1099-Only Loans in NC & SC
If you’re a 1099 contractor, freelancer, real estate agent, or gig worker anywhere in North Carolina or South Carolina, a 1099 Only loan lets you qualify for a mortgage using your 1099 income — without the heavy write-offs killing your qualifying income on tax returns.
How a 1099 Only Loan Works
Instead of using net income from your tax returns, we use your gross 1099 income (usually 1–2 years) and apply a standard expense factor (often around 10%). The result is higher qualifying income and a larger approval — on your real earnings.
Program Highlights1 or 2 years of 1099s
No tax returns required
Credit scores from 660+
10–20% down owner-occupied
Loan amounts to $3M+
Primary, 2nd home, and investment
Cash-out refinance eligible
Who Uses 1099 Only LoansReal estate agents and brokers
Insurance agents and financial advisors
Uber/Lyft/DoorDash drivers
Freelance designers, developers, and consultants
Travel nurses and locum physicians
Sales reps paid on commission
Statewide NC & SC Coverage
We serve every city, county, and community across North Carolina and South Carolina — from the coast to the mountains. Whether you’re in Charleston, Charlotte, Raleigh, Asheville, Wilmington, Greenville, Columbia, Myrtle Beach, Hilton Head, the Triad, the Triangle, the Upstate, the Pee Dee, the Lowcountry, or anywhere in between — we can close your 1099 loan.
Get Pre-Approved
Call (843) 376-6213 or apply online. We’ll use your actual 1099 earnings to get you qualified fast.