Help Your Commission-Based &
Gig Economy Clients Achieve Their Dreams with a 1099 Only Loan
ARDRI’s 1099 ONLY: 1 or 2-Year Loan Program—is designed to be a straightforward, innovative solution to help your clients achieve their homeownership goals without the complications of traditional income verification methods.
Help Your Commission-Based & Gig Economy Clients Achieve Their Dreams with a 1099 Only Loan
Help Your Commission-Based & Gig Economy Clients Achieve Their Dreams with a 1099 Only Loan
ARDRI’s 1099 ONLY: 1 or 2-Year Loan Program—is designed to be a straightforward, innovative solution to help your clients achieve their homeownership goals without the complications of traditional income verification methods.
Ideal Borrowers
Borrowers like Tim and Teresa earn their living as 100% commission real estate agents and dedicated rideshare drivers. They were ready to buy their first home but faced challenges with traditional lenders due to their 1099 income. Through ARDRI’s 1099 ONLY program, they qualified for a loan using their tax forms and recent pay stubs without the usual expense factors that would have reduced their qualifying income.
The 1099 Only Loan Program is an excellent solution for:
- Independent Contractors: From consultants to freelance professionals, this loan caters to those who rely on 1099 income to make a living.
- Commission-Based Earners: Real estate agents, sales professionals, and others with commission-driven earnings can qualify without the usual hurdles.
- Gig Economy Workers: Rideshare drivers, delivery couriers, and other gig workers can now access financing tailored to their unique needs.
- Self-Employed Entrepreneurs: Individuals running small businesses or working independently can benefit from our simplified documentation requirements.
Program Highlights
- LTV up to 80% for Purchase
- LTV up to 75% for Cash-out Refinance
- Minimum 600 FICO
- Loan amounts up to $4M
- Primary, Second Home & Investment
- No MI
- No Reserve Options
- 30YR and 40YR I/O terms available (Fixed or ARM)
- SFR, 2-4 Units, Condos (and Non-Warrantable), PUD
Click here to view pricing and eligibility for ARDRI’s 1099 Only Loan Program or price a loan with askARDRI.
Why Partner with ARDRI?
ARDRI is a technology-driven, client-centered lender committed to simplifying the complex. Our 1099 ONLY: 1 or 2-YEAR Loan Program is part of our broader mission to empower mortgage brokers with flexible, innovative solutions that meet the evolving needs of today’s borrowers. Partner with us and give your clients the confidence and support they need to secure the home of their dreams.
Why Partner with ARDRI?
ARDRI is a technology-driven, client-centered lender committed to simplifying the complex. Our 1099 ONLY: 1 or 2-YEAR Loan Program is part of our broader mission to empower mortgage brokers with flexible, innovative solutions that meet the evolving needs of today’s borrowers. Partner with us and give your clients the confidence and support they need to secure the home of their dreams.
Get Started Today!
Contact us to learn more about this program or to start your application process. Together, let’s redefine what’s possible for your borrowers.
Call us today at 855.855.8598 to learn more or start your borrower’s application!
Meet Our Non-QM Loan Programs
As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!
Meet Our Non-QM Loan Programs
As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!
Meet Our Non-QM Loan Programs
As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!
