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Guide · Agents paid on a 1099
The Realtor’s 1099 Mortgage Playbook
You take every write-off you can, so your tax return shows a small number. Then you apply for your own mortgage and the lender reads that same return. This playbook shows another way to read your income.
Who it is for: Real estate agents, brokers and anyone paid on a 1099 who is buying or refinancing their own home.
Prefer to talk? Call 732-686-9999
- Direct, licensed mortgage lender
- NMLS #103098
- Equal Housing Lender
- Direct, licensed lenderNMLS #103098. Check our licences on NMLS Consumer Access.
- Short and plainWritten for one situation, in plain words.
- Email or textYou choose how the guide reaches you.
- A real personQuestions? A licensed loan officer at 732-686-9999.
Why it matters
Why your own deals do not add up on paper
On a conventional loan, the write-offs that lower your taxes also lower the income a lender can count. That stings when you know what you really earn.
There is a separate kind of program built for people paid on a 1099 that reads income from the 1099 forms rather than the tax return, with a choice of ways to account for expenses. If your returns already show strong income, a conventional loan may cost less, so it is worth comparing both.
What the guide covers
- The program built for people paid on a 1099
- The two expense methods, in plain English
- How the income is actually calculated
- The documents to have ready
- Moves to make before you apply, and questions to ask any lender
The honest part. This program is not always the cheaper answer. We will price both so you can compare.
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Where should we send it?
Fill in the short form and choose email or text. We confirm your mobile number with a text code, then send you The Realtor’s 1099 Mortgage Playbook.
- Your choice of delivery. By email or by text message, whichever suits you.
- Short and plain. Written for one situation, in plain words.
- Questions after you read it? Call a licensed loan officer at 732-686-9999.
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This page is general information, not a commitment to lend. Programs, terms and eligibility depend on credit, income, property and underwriting review and are subject to change without notice.