Buy or refinance using your 1099s or bank statements. You earn great money — your write-offs shouldn't price you out of a home. Check your options in minutes, 100% online.
Drag the slider — you can change this anytime. Options as of .
For a purchase or a refinance — your estimate is fine
Your best guess is fine — no documents needed yet.
Your best estimate is fine — it's confirmed later in the process.
This helps tailor your loan options.
The home you're buying or refinancing — if you're still shopping, use your current address. We verify it instantly so your options are accurate.
Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your options.
See your offers immediately by completing your secure application below ↓
Fit is based on the answers you provided and is not a loan approval. Loan options are subject to verification, credit approval, property valuation, and underwriting.
No branch visits. No mountains of paperwork. The entire process is online — most applicants finish the first step in about 5 minutes.
Answer a few quick questions about what you earn and what you're buying or refinancing — fast, secure, and 100% online. Checking your options uses a soft credit pull.
~5 minutesCreate your account from the West Capital Lending email, then review loan programs, rates, and terms matched to your 1099 or bank-statement income.
Same dayDocument your income with 1099s or 12–24 months of bank statements — no tax returns or W-2s — then eSign and close. Most loans close in roughly 30 days.
Typically ~30 daysBanks qualify you on the AGI left after your deductions. We qualify you on your real cash flow — so the write-offs that lower your tax bill don't lower your buying power.
Document your income with 1099s or 12–24 months of personal or business bank statements — no tax returns or W-2s required. Built for contractors, freelancers, gig workers, and business owners.
Buy your next home, refinance your rate/term, or pull cash out of the one you own — on primary residences, second homes, and investment properties, from $100K to $3M.
Low down payment options are available for qualified borrowers, checking your options starts with a soft credit pull, and the whole process runs online — no branch visits.
If your income arrives on 1099s and bank deposits instead of a W-2, the standard bank checklist works against you. Ours doesn't.
| 1099 HOME LOANRECOMMENDED | Traditional bank mortgage | |
|---|---|---|
| Tax returns required | No | Usually 2 years |
| W-2s required | No | Typically yes |
| Write-offs held against you | No — real cash flow counts | Yes — AGI-based |
| Gig & multiple income streams | Welcome | Often a red flag |
| Income documentation | 1099s or 12–24 mo bank statements | Tax returns + W-2s + pay stubs |
| Loan amounts | $100K – $3M | Varies |
| 100% online process | Yes | Rarely |
Join 1099 earners buying and refinancing on their real income — not the AGI left after write-offs.
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