Can I get a mortgage as a gig worker?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes. Gig and platform workers (rideshare, delivery, freelance) qualify with two years of tax returns or, more flexibly, with a 1099 or bank statement loan that uses gross earnings or deposits.
Because gig income swings, lenders look for consistency over 24 months. We'll calculate your qualifying income from whichever method captures your true earnings and get you approved.
Gig income can qualify
Yes, gig workers can get mortgages. Whether you drive, deliver, or freelance, lenders treat your earnings like self-employment income and generally want a two-year track record.
They will average your income across that time, so a steady or growing gig income helps your case.
Flexible loan options
If your tax returns run low after expenses, a bank statement loan can qualify you on deposits instead. That often works better for gig income.
We help gig workers become homeowners regularly. Reach out and we will find the loan that reads your income the right way.