Buying with 1099 Income (Non-QM)

A simple, step-by-step path with verified experts. Booking is free, 24/7.

Your 5 steps

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1. Get Pre-Qualified — Loan Officer

Upload 12–24 months bank statements (personal or business), assets, and ID. See rate, down payment, reserves, and program terms.

2. Boost Approval — Tax Expert/CPA

Provide YTD P&L (if using business accounts) and, if requested, a CPA letter (start date + expense ratio). Map a plan to refi to conventional later.

3. Shop & Make an Offer — REALTOR®

Target homes that fit your approved payment; negotiate seller credits for points/closing.

4. Insurance & Underwriting — Insurance & Loan Officer

Bind homeowners insurance (list lender as mortgagee), order appraisal, upload final loan conditions, lock rate.

5. Close & Post-Close Tax Plan — Tax Expert or CPA

File Homestead (if eligible), save Closing Disclosure & Form 1098, and map a refi to conventional in 12–18 months once tax returns show enough net income.

This profile is part of the FinXConnect™ pre-launch experience. Final features, layouts, and functionality may change upon full platform launch.
The current version is for early access and onboarding purposes only.

Quick tips

• Keep business and personal funds separate.• No new credit or big purchases until after you close.• Ask about seller credits to lower cash to close.