Mortgages for Gig Workers
Turn your side hustle or gig economy income into homeownership. Flexible qualification for the modern freelancer.
The Modern Gig Economy Mortgage
The modern workforce is changing, but traditional banks haven't caught up. A frequent concern we hear is: "Can I get a mortgage with one year self-employment?" The answer is YES. Whether you drive for rideshare apps, do freelance design work, or piece together multiple income streams, we have programs specifically designed to calculate and accept your gig economy income.
📱 Multiple Income Streams
We can easily combine income from multiple 1099 sources (e.g., Uber, Doordash, freelance contracts) into one cohesive qualifying income.
💼 1099 & Bank Statements
Provide your 1099s or 12 months of bank deposits to prove your income. We completely bypass the strict W-2 requirements of old-school banks.
📈 Shorter Work History
While standard loans often require 2 full years of self-employment history, our alternative programs allow for shorter histories (even 1 year) if you have prior experience in your field.
🏠 First-Time Buyer Friendly
Many gig workers are buying their first home. We offer competitive rates and guidance to make the transition from renting to owning seamless.
Speak with a Specialist
Let us calculate exactly how much of your gig income can be used to qualify. Reach out today!