Self Employed
1099 Loans
Paid as a contractor? Your 1099 can help.
A 1099 form shows money you were paid for work. This loan may use that form to help show your income.
Written by Allen Hong, NMLS 1295255·Last updated: October 8, 2026
- ✓For contractors and people paid on a 1099
- ✓A different way to show what you earn
- ✓Can help you buy or refinance a home
Good to know
The lender still accounts for work expenses. More records may be needed.
What should I have ready?
Your 1099 forms and a few details about the work you do.