Mortgages, cash-out & HELOCs — no W-2 required
Upwork, Stripe, direct deposits, the occasional paper check — our specialists qualify freelancers on 1099 totals or 12–24 months of real deposits. Variable months average out. Write-offs stay written off.
What would you like to do?
Two minutes · No credit check · No obligation · No pushy calls
Your specialist shops your file across a 90+ lender network, including
Wholesale and TPO lending relationships available to brokers in the network. All names are trademarks of their respective owners; no endorsement or affiliation is implied.
Conventional underwriting wants a W-2, two tidy years, and even months — the exact opposite of a freelance career. So it reads your Schedule C after the home-office, gear, and software deductions and offers you half a house. Deposit-based and 1099 programs read the money you actually collected: $140K across five clients is $140K, averaged and counted.
Your 1099 totals qualify you at roughly 90% of gross — multiple clients combine, no tax returns pulled.
Bank statement programs read 12–24 months of what actually landed — Upwork, Stripe, PayPal, Zelle, checks. Feast and famine months average into one steady number.
A year of independent work with prior W-2 history in the same field opens several programs. Your career didn't restart; neither did your history.
A cushion built on your own equity
A line of credit against your home that turns feast-and-famine into a straight line — draw in the quiet months, repay in the loud ones, and never touch your low first-mortgage rate.
Two minutes · No credit check · No obligation
"Three banks read my tax returns and said no. One look at my actual Stripe deposits and I was approved for the exact house I wanted."
"The HELOC is my quarterly-tax safety net. I draw in April, clear it by July, and sleep fine in between."
"Cash-out paid off my credit lines and funded six months of runway for the studio. My rate on the first mortgage never moved."
Two minutes · No credit check · No obligation
Yes — 1099 programs qualify you on gross contractor income, and bank statement programs on 12–24 months of actual deposits. No employer required.
Yes, in deposit-based programs — money that lands in your accounts is income, whatever app delivered it.
No — underwriting averages 12–24 months. Swings smooth out; only a steep recent decline needs explaining.
Often not — several programs accept 12 months of self-employment with prior W-2 history in the same line of work.
Two minutes · No credit check · No obligation