1099 Loans for Self-Employed Borrowers

With Tony McConnell at The Mortgage Krew, 1099 Loans are specifically designed to help self-employed borrowers and independent contractors in California qualify for home financing using their 1099 income instead of traditional W-2s. These loans are ideal for individuals who receive income through freelance work, contract jobs, or consulting services, where income may fluctuate from month to month.
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Qualify Using Your 1099 Income

With Tony McConnell at The Mortgage Krew, 1099 Loans evaluate your income based on the payments reported on your 1099 forms. Lenders can use one or two years of documented 1099 income to determine your ability to make mortgage payments, offering flexibility for borrowers whose earnings are not reflected in a standard W-2. Tony McConnell at The Mortgage Krew works with you to organize your 1099s, calculate average monthly income, and provide supporting documentation that strengthens your application.
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Ideal for Freelancers, Contractors, and Self-Employed Professionals

With Tony McConnell at The Mortgage Krew, 1099 Loans are tailored for individuals who work independently, including consultants, freelancers, gig workers, and small business contractors. Whether your income comes from multiple clients, project-based work, or seasonal contracts, these loans allow you to qualify for a mortgage without the restrictions of conventional underwriting. Tony McConnell at The Mortgage Krew guides each borrower to ensure their 1099 income is accurately reflected, giving them the ability to pursue homeownership with confidence.
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Benefits of 1099 Loans

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Qualify Using 1099 Income Leverage freelance, contractor, or gig income to secure a mortgage.

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Perfect for Self-Employed Professionals Designed for freelancers, consultants, and independent contractors.

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Flexible Loan Structures Suitable for primary residences, investment properties, and multi-unit homes.

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Faster, Streamlined Approval Reduced reliance on traditional W-2s or tax returns speeds up underwriting.
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Flexible Terms and Loan Options

With Tony McConnell at The Mortgage Krew, 1099 Loans come with flexible terms, including fixed-rate and adjustable-rate options, competitive interest rates, and a variety of down payment choices. Loan amounts can be structured to suit primary residences, investment properties, or multi-unit homes. This flexibility allows borrowers to select a mortgage that aligns with both short-term affordability and long-term financial strategy, while making the most of their independent income.
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Why Choose Us

With Tony McConnell at The Mortgage Krew, self-employed borrowers across California receive mortgage solutions built specifically around real-world income, not rigid lending formulas. Traditional lenders often struggle to properly evaluate self-employment income, which leads to unnecessary denials or delays. At The Mortgage Krew, every loan strategy is designed to reflect how entrepreneurs, business owners, and independent professionals actually earn and manage money.

We are known for

We are known for offering alternative income options, including bank statement loans, P&L loans, 1099 income, asset utilization, and WVOE programs.

With Tony McConnell at The Mortgage Krew, every mortgage is structured around the borrower’s financial reality—not generic lender templates.

Clients choose The Mortgage Krew for honest guidance, clear expectations, and consistent updates throughout the loan process.

We are known for thorough preparation, lender-aligned submissions, and smooth closings that keep transactions on track.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

Yes. With Tony McConnell at The Mortgage Krew, self-employed borrowers have access to flexible loan programs such as bank statement loans, P&L loans, 1099 loans, asset utilization, and WVOE options designed specifically for non-traditional income.

Not always. With Tony McConnell at The Mortgage Krew, many programs allow qualification without tax returns, using alternative income documentation instead.

Yes. With Tony McConnell at The Mortgage Krew, zero down home loans and CalHFA FHA programs may be available for eligible California borrowers.

Yes. With Tony McConnell at The Mortgage Krew, ITIN Premier and ITIN Close Call loan programs are available for borrowers without a Social Security Number.

With Tony McConnell at The Mortgage Krew, properly prepared loans typically close within standard timelines, and proactive guidance helps avoid unnecessary delays.

Streamlined Process for Faster Approvals

With Tony McConnell at The Mortgage Krew, 1099 Loans are designed to simplify the mortgage process for self-employed borrowers. By focusing on documented 1099 income rather than traditional W-2s, underwriting is more straightforward, enabling quicker approvals and faster closings. Tony McConnell at The Mortgage Krew guides borrowers through each step, ensuring documentation is accurate and complete, reducing delays and improving the likelihood of a smooth mortgage experience.