1099 Mortgage Loans in Texas for Independent Contractors and Commission Earners
Sean qualifies 1099 earners, independent contractors, and commission-based professionals in Texas using their actual income — not just what remains after expenses are deducted.
Why 1099 Income Creates Mortgage Challenges in Texas
If you earn income as an independent contractor, consultant, or commissioned professional in Texas, your 1099s don't always paint the full picture. Business expenses, variable income, and the general complexity of self-employment can make it difficult to qualify through a conventional lender.
Sean works with 1099 earners in Texas regularly. He knows how to analyze contract and commission income, average it correctly, and build a financing strategy that reflects what you actually earn.
How Sean Evaluates 1099 Income in Texas
Sean reviews your 1099s alongside supporting documentation to establish a clear qualifying income picture. Depending on your situation, he may:
Average 12 to 24 months of 1099 income
Supplement with bank statements to support your income story
Use year-to-date earnings and a CPA letter to document income trends in Texas
Structure using asset depletion if you have significant holdings alongside variable income
WHO QUALIFIESWho This Is For
Independent contractors in Texas in any industry
Real estate agents and mortgage professionals
Commission-based salespeople in Texas
Consultants and project-based professionals
Gig economy workers with substantial, consistent earnings
Why work with seanWorking with Sean on a 1099 Mortgage in Texas
Sean knows that 1099 income is often more stable than it appears on paper. His job is to present your income accurately and find the right Texas mortgage program for your situation.