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1099 Mortgage Loan

  • No tax returns needed
  • Down payments as low as 15%*
  • In-house underwriting means a fast and worry-free loan process
  • Borrow up to $1,250,000
  • 680 minimum credit score; $175,000 minimum loan amount*

A home loan solution for self-employed workers.

If you are self-employed or an independent contract worker having difficulty qualifying for a conventional mortgage loan, a 1099 home loan from NASB may be the answer for you. NASB is a national leader in the non-QM lending space, offering non-traditional loan options to help you achieve your goal of home ownership. With our 1099 mortgage loan, we can review your 1099 statements instead of tax documents to verify your income and eligibility.*

1099 mortgage loans may be a great option for:

  • Self-employed
  • Independent Contractors
  • Entrepreneurs
  • Freelancers
  • Gig Workers
  • Realtors
What Our Customers Say
Philip G., August 14, 2022
★★★★★ (5)

"NASB provides the small business owner and the self-employed means to qualify for many types of mortgages. All the staff in contact with me are extremely helpful and update me on pertinent information I need to know throughout the mortgage process."
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*1099 loans require a minimum 680 FICO score and $175,000 loan amount (exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas), a minimum credit score of 680, and a 15% down payment with approved mortgage insurance. Contact a NASB Loan Officer for more details on the specific areas and/or zip codes excluded. Not available in New York state, the Chicago or Baltimore metropolitan areas, and not available in all locations or for all property types. Loans subject to underwriting and eligibility criteria, and other factors. Your loan officer will provide you with more information regarding 1099 loans and what may work best for your situation.
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NMLS ID# 400039.

Not all products are available for collateral located in all states or for all amounts. Other restrictions and limitations may apply.

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