You don't have a W-2. That doesn't mean you can't get a mortgage. It means you need the right loan and a broker who knows how to document your income.
Freelancers, contractors, and business owners qualify for mortgages every day. The process just works differently when your income doesn't come from a single employer. These guides cover what actually matters.
Two years of returns is the starting point, not the rule. Here's the profile that gets a one-year exception, why your write-offs work against you, and what to do when the returns don't reflect what you earn.
Rideshare, delivery, Etsy, freelance: it's all self-employment income to a lender, and the mileage deduction that saved you at tax time is now shrinking your loan. What to document, when to file, and when a bank statement loan makes more sense.
Write-offs shrink your tax bill and your buying power at the same time. Here's how underwriters turn a self-employed tax return into a number they'll lend on.
Jordan works with 1099 borrowers, freelancers, and business owners regularly. Talk to us before you assume you don't qualify.
