A Home Loan Built Around Your 1099 Income.
Qualify with 1 or 2 years of 1099s and no tax returns, for purchase, refinance, or cash-out up to $3 million.*
One program. Many ways to qualify.
However you earn, there’s likely a path to approval.
- Qualify with 1 or 2 years of 1099s instead of tax returns
- Loan amounts from $150,000 up to $3 million*
- Built for independent contractors, gig, and commission earners
- Use 1 year (Streamlined) or 2 years (Full Doc) of 1099 income
- Purchase & refinance with low-down-payment options, and cash-out is also available*
- Primary homes, second homes, and investment properties*
Loans from $150K up to $3 Million*
Buy, refinance, or take cash out
Primary, second home, or investment property
Qualify with 1 or 2 years of 1099s instead of tax returns
Low-down-payment options available*
Fixed, adjustable, and interest-only options
What is the Saxton 1099 Home Loan?
Home financing built for 1099 and independent-contractor income
The Saxton 1099 Home Loan is a full-featured mortgage for independent earners who are paid on 1099s rather than W-2 wages.
Qualify using 1 or 2 years of your 1099s, with no tax returns required through the 1099 route. It documents income the way independent earners actually receive it.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, with loan amounts up to $3 million.*
Why choose Saxton, a California 1099 mortgage lender?
Built for how independent earners actually get paid.
1099 Contractors & Gig Workers
Qualify on your 1099 income with 1 or 2 years of statements, with no tax returns required.
Real Estate Investors
Finance investment properties, including 2–4 units, warrantable and non-warrantable condos.
Jumbo & High-Balance Buyers
Loan amounts up to $3 million for higher-priced homes and move-up purchases.
Cash-Out Refinance
Tap your equity to reinvest, consolidate, or fund your next move on eligible properties.*
Commission & Freelance Earners
Variable, seasonal, or project-based 1099 income? Use it to qualify.
Flexible Loan Structures
Choose fixed-rate, adjustable-rate (ARM), or interest-only payment options on eligible programs.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the 1099 Income Home Loan.
Loan amounts range from $150,000 to $3 million, depending on your credit, income documentation, property type, and occupancy.
Yes. You can qualify using 1 year (Streamlined) or 2 years (Full Documentation) of your 1099s, with no tax returns required through the 1099 route.
You can use it to purchase a home, refinance an existing mortgage (rate/term), or take cash out, on a primary residence, second home, or investment property.
Programs are available for credit scores starting at 660, with the most flexible terms available at higher scores.
Qualified buyers can purchase with low-down-payment options. Requirements vary by credit score, occupancy, and loan amount.*
Yes. Fixed-rate, adjustable-rate (ARM), and interest-only options are available on eligible programs.
Yes, cash-out refinancing is available. The amount you can access depends on your equity, credit profile, and property type.
Self-employed borrowers can qualify using alternatives to tax returns: 1099 forms, bank statements, profit-and-loss statements, or assets. The right path depends on how your income is documented. Start the finder and a loan officer will walk you through the options.
Lenders look at income consistency, credit profile, assets, and the property. With a 1099 or bank statement program, income can be established from your 1099s or deposits rather than tax returns. Not all applicants will qualify.
It depends on the program. A 1099 program generally works from the income reported on your 1099 forms, while a bank statement program derives income from deposit history. Both avoid relying on adjusted figures from tax returns.
Yes. 1099-based programs are built for independent contractors and self-employed earners. You provide 1099 documentation instead of full tax returns, subject to program guidelines and approval.
Programs typically review one or two years of 1099 income depending on the guidelines and your situation. The finder takes a couple of minutes and will point you to what fits.
Yes. Saxton Mortgage is headquartered in San Diego, California, and we are licensed to lend in California along with most other states. 1099 income financing is one of our most requested programs among independent contractors and commission-earners in California, where a large share of the workforce is paid on a 1099 rather than a W-2. Call (800) 432-1154 to confirm we are licensed in your state.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton 1099 Home Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Maximum loan amount $3,000,000. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.