Realtors, contractors, drivers, stylists, consultants: qualify on your 1099s alone - without the write-off penalty.
Standard underwriting treats 1099 earners like full businesses - tax returns, profit-and-loss statements, and income shredded by write-offs. 1099 loan programs skip that: qualify using 1-2 years of 1099 forms with a simple expense factor, no full tax-return analysis. If your 1099s are strong but your Schedule C looks lean, this program exists precisely for you.
If most of your income lands on 1099s from a few payers, the 1099 program is cleaner. If you run everything through business accounts with many revenue sources, bank statement loans usually win. I'll run both and show you which qualifies you for more. Book a free consult.
Every real program serving Contra Costa County - CalHFA, WISH, AHOP, Smart Start and more - and how they stack.
First-time buyer grant program toward your down payment for buyers under county income limits.
15% down with no monthly mortgage insurance for qualifying buyers.