At Champions Mortgage, we understand that being your own boss comes with unique financial situations. Traditional loan applications can be challenging for self-employed individuals or those working on a 1099 basis. That’s why we offer tailored loan solutions designed to help you achieve homeownership with confidence and ease.
Self-employed and 1099 loans are designed to accommodate borrowers who earn income outside of a traditional W-2 employment structure. Whether you’re a business owner, freelancer, contractor, or gig worker, these loans provide flexible qualification criteria that focus on your true financial picture—not just your tax returns.
Traditional loan programs often rely heavily on W-2 income and tax returns, which may not accurately reflect your earnings as a self-employed or 1099 worker. Our self-employed loan programs use alternative methods to verify income, such as:
These flexible options allow you to demonstrate your true financial health and secure a mortgage that works for you.
To qualify, borrowers generally need to meet the following criteria:
Our loan experts will guide you through the process, making it simple and stress-free.
Don’t let the complexities of traditional loans hold you back. With Champions Mortgage’s Self-Employed & 1099 Loan Program, you can achieve your dream of homeownership.
Contact us today to learn more or get started on your application.
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