1099 Loan Program: Hawaii & California

No Tax Returns Needed to Qualify

Perfect for the self-employed borrower on a 1099 who cannot qualify for a full doc (traditional) mortgage loan. The most recent 1099 statements from 1 or 2 years ago will be used to qualify.

Program Highlights:

  • Available in Hawaii and California
  • Primary Residence, Second Home, or Investment property
  • Qualify with most recent 1-2 years’ 1099 form with a YTD earning or bank statement
  • 700 FICO = minimum 10% down
  • Maximum loan amount: $3,000,000
  • Requirement: applicant must be self-employed on a 1099 for last 2 years consecutively with the same company
  • Available for purchases, cash-out refinances, and no cash-out refinances
*These products may have a higher interest rate, more points or more fees than other products requiring documentation.

If you think your financial situation makes sense for qualifying for a loan, please contact Pacific Home Loans – email us today or call (808) 891-0415 (toll free: 866-389-2778) during business hours to see if one of our programs is the loan you have been searching for!