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 90% for Purchase
- LTV up to 75% for Cash-out Refinance
- Minimum 600 FICO
- Jumbo Loan amounts up to $2.5M
- 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.
Close More 1099 Loans with Simpler Income Qualification
Help self-employed borrowers move beyond traditional income documentation with a flexible Non-QM solution designed around the way they actually earn.
Why Partner with ARDRI for 1099 Only Loans?
At ARDRI, we simplify income qualification for self-employed borrowers and independent contractors. Our 1099 Only Loan Program is designed to use one or two years of 1099 income to create a clear, streamlined path to approval—without the complexity of traditional documentation. Backed by a technology-driven platform, transparent process, and dedicated support team, we help you move from submission to close with confidence.
Why Partner with ARDRI for 1099 Only Loans?
At ARDRI, we simplify income qualification for self-employed borrowers and independent contractors. Our 1099 Only Loan Program is designed to use one or two years of 1099 income to create a clear, streamlined path to approval—without the complexity of traditional documentation. Backed by a technology-driven platform, transparent process, and dedicated support team, we help you move from submission to close with confidence.
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!
