Contract Employee 1099 – Aggressive Purchase and Refinance Programs
Self-employed 1099 borrowers can relax – no tax returns, frustration, or wasted time.
Designed to help self-employed and contract borrowers turn their 1099 income into approvals—without needing tax returns or complex documentation.
Program Highlights:
- Up to 90% LTV
- 85% LTV, Min FICO 720
- 80% LTV, Min FICO 680
- $3.5MM Max Loan Amount | $150K Min Loan Amount
- 50% Max DTI
- 1099 income may be combined with other income & long-term rental income
- Asset Depletion may supplement other income sources (no minimum asset requirement)
- No tax returns required
- Interest-Only options available
- Primary, Second Homes, and Investment properties
Again… Self Employed 1099 borrowers can relax – no tax returns, frustration, or wasted time.




