Mortgage Loans for the Self-Employed
- No tax returns needed
- Down payments as low as 10%*
- In-house underwriting means a fast and worry-free loan process
- Borrow up to $1,250,000
- 680 minimum credit score; $175,000 minimum loan amount*
Being self-employed shouldn't make it difficult to get a mortgage loan.
Working for yourself has advantages, but getting a mortgage with a nontraditional income can be challenging. A 1099 loan from NASB does not require personal or business tax returns, W2s, or paystubs to verify your income.* Instead, we can review 1099 earning statements to calculate your qualifying income. Our mortgage experts will walk you through every step of the process—fast and worry-free.
Our 1099 home loans are an excellent option for:
- Independent contractors
- Freelancers
- Entrepreneurs
- Consultants
- Gig workers
- Truckers
- Realtors
What Our Customers Say
Philip G., August 14, 2022
★★★★★ (5)
"NASB provides the small business owner and the self-employed means to qualify for many types of mortgages. All the staff in contact with me are extremely helpful and update me on pertinent information I need to know throughout the mortgage process."
"NASB provides the small business owner and the self-employed means to qualify for many types of mortgages. All the staff in contact with me are extremely helpful and update me on pertinent information I need to know throughout the mortgage process."
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*Bank Statement Loans and 1099 loans require a minimum $175,000 loan amount (exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas), a minimum credit score of 680, and a 10% down payment with approved mortgage insurance. Contact a NASB Loan Officer for more details on the specific areas and/or zip codes excluded. Not available in New York state, the Chicago or Baltimore metropolitan areas, and not available in all locations or for all property types. Loans subject to underwriting and eligibility criteria, and other factors. Your loan officer will provide you with more information regarding Bank Statement loans and what may work best for your situation.