Onur GündüzNMLS #2768500
Self-employed and 1099 income

Thinking about buying a home with 1099 or self-employed income?

Even if your tax returns don't fully reflect your income, you may still have mortgage options.

  • You have 1099 or self-employed income
  • You have been working this way for roughly 12 months or more
  • You can show your income with tax returns, bank statements or similar documentation
  • You are thinking about buying a home in the near future

Even if you don't fit traditional mortgage options, bank statement and other alternative income programs may be worth reviewing.

Focus areas

First-time buyersBank statementInvestment / DSCRSelf-employedFHA
Current lender opportunities

Current opportunities I can help you explore.

Lender programs and incentives change regularly. I keep an eye on opportunities that may be useful to my clients and highlight a few here when they are worth a closer look. Shown for discovery only — no rates, no quotes, no applications, and no guarantee that any option is available to you.

No lender products are listed right now. Onur can review the programs that are currently available for your situation.

Editorially selected. Not paid placements — neither this site nor its technology provider is compensated by lenders for inclusion. Nothing here is an offer, a quote, a rate lock or a pre-approval. Availability and terms are confirmed by a licensed mortgage loan originator.

Want the full picture?

Build my mortgage roadmap.

If you want the bigger picture, I can help you look at income, debts, available cash, credit profile and what you want to buy — so you can see the mortgage paths that are realistic for you. Alice, my planning assistant, walks you through the questions and I take it from there.

Build My Mortgage Roadmap

No documents, no SSN and no credit pull to start.

Know what you want to do? Start here.

A shortcut for visitors who already have a direction in mind.

Not an application · No SSN needed to start

Alice will guide you through the next steps.

How it works

  1. 01

    Answer guided questions

    Alice asks only what a planning estimate needs. No SSN, no documents, no credit pull.

  2. 02

    See your planning picture

    Price range, payment, cash to close, and the factors limiting or helping you.

  3. 03

    Talk with Onur

    When you are ready, a licensed review with Onur confirms the details this site cannot verify.

Common questions

Is this a mortgage application?
No. HouSave builds a personalized mortgage roadmap. Nothing you do here starts, submits, or completes a mortgage application.
Is this a pre-approval?
No. HouSave does not issue approvals or pre-approvals. A pre-approval requires a licensed mortgage loan originator to review and verify your documents.
Is there a credit pull?
No. HouSave never pulls your credit. When a credit score matters for planning, Alice asks you to select an estimated range.
Does HouSave ask for my SSN?
No. Alice never asks for a Social Security number, an ITIN number, a passport or visa document number, a bank account number, or a card number, and there is no document upload.
See all questions