Can I buy a home with a 1099 income?

Yes. 1099 contractors and freelancers qualify either with two years of tax returns or, increasingly, with a 1099 income loan that uses your gross 1099 earnings minus a flat expense factor — no full returns needed.

This helps gig workers and independent contractors whose deductions shrink their net income on paper. We'll compare both methods and use whichever gives you the stronger qualifying number.

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