Getting approved for a 1099 income loan is simpler than you might think. At California Lending Group, we streamline the process to fit your income, not the other way around.
Flexible mortgage options for independent contractors, freelancers, and gig workers who need a home loan that works with their income reality. If you earn 1099 income, your path to homeownership starts here.
We believe self-employed Californians deserve mortgage options that reflect their success.
A 1099 income loan is designed for independent contractors, freelancers, and gig workers who receive income reported on IRS Form 1099 instead of a W-2. These loans allow borrowers to qualify using alternative documentation, such as 12–24 months of 1099s, bank statements, or profit and loss statements. If your income doesn’t fit neatly into traditional lending standards, a 1099 income home loan may be the solution.
We believe flexibility should be built into every home loan.
1099 income loans are ideal for borrowers who are:
Independent Contractors: If you’re in construction, creative services, consulting, or sales and receive irregular income, a 1099 loan is built for your needs.
Gig Workers: Rideshare drivers, delivery app workers, and online freelancers who earn across multiple platforms can benefit from flexible qualification.
Entrepreneurs: If you own a small business or manage several revenue streams, you may not show high net income on tax returns—but a 1099 loan gives lenders a more accurate view.
Getting approved for a 1099 income loan is simpler than you might think. At California Lending Group, we streamline the process to fit your income, not the other way around.
We believe your 1099 income tells a story worth listening to.
Advice from our CEO to help self-employed homebuyers qualify with confidence!
Lenders want to see consistency, even if your income varies month to month. Provide at least 12–24 months of 1099s and/or bank statements that reflect steady deposits and healthy balances.
California Lending Group understands that your income may not be traditional, but your homeownership goals are real. We specialize in helping self-employed borrowers navigate the lending process with clarity and confidence. Our team knows how to structure 1099 income loans so you can secure the financing you deserve—without stress or unnecessary red tape.
Schedule a free consultation with our team and let’s make things happen!
Schedule a free consultation with our team and let’s make things happen!
