# 1099 Mortgage: How Contractors Qualify on Real Income

> A 1099 mortgage lets independent contractors qualify using 1099 income instead of tax returns. Learn how it works, what lenders review, and who fits.

Canonical: https://smallbusinessmortgages.com/blog/1099-mortgage-guide/
Author: Apurva Sanghavi
Published: 2026-10-05T12:00:00.000Z
Tags: 1099 & Contractors