1099 Program
1099 Mortgage Loan
A 1099 mortgage loan, also known as a self-employed or non-QM (Non-Qualified Mortgage) loan, is a specialized financing option designed for individuals who receive income as independent contractors, freelancers, or business owners filing IRS Form 1099 instead of W-2s. At Ferrari Lending, we understand the unique financial circumstances of self-employed individuals and offer tailored mortgage solutions to accommodate their needs.
With a 1099 mortgage loan from Ferrari Lending, self-employed borrowers can access competitive rates and flexible terms, allowing them to purchase or refinance their dream home with confidence. Unlike traditional mortgages that rely solely on W-2 income verification, our 1099 mortgage loans consider alternative documentation, such as bank statements, profit and loss statements, and tax returns, to assess income eligibility.
Experience the flexibility and personalized service of Ferrari Lending's 1099 mortgage loans – your trusted partner in securing financing for self-employed borrowers. Contact us today to learn more about how we can help you achieve your homeownership goals.
How can I help you?
Have a question about mortgage financing, real estate, or insurance? Send me a message and I'll personally follow up within one business day. Whether you're a first-time buyer, growing your investment portfolio, or need a solution for DSCR, bank statement, or foreign national financing — I'm here to help.
Alexandre Ferrari — Florida Real Estate Agent, Mortgage Loan Originator (NMLS #1322774), and Life & Health Insurance Agent. Ferrari Lending, NMLS #1691763. Equal Housing Opportunity. Loan programs, rates, and terms are subject to borrower and property qualification, investor guidelines, and underwriting approval; nothing on this site is a commitment to lend or an offer of insurance coverage. This is not an offer to enter into an agreement, and not all products are available in all states. Insurance products offered through a licensed agent; policy terms, exclusions, and premiums vary by carrier. © 2026 Ferrari Lending. All rights reserved.