Mortgages, cash-out & HELOCs built for commission income
You've watched lenders decline agents you sent them. Our specialists qualify realtors on gross 1099 commissions or 12–24 months of deposits — write-offs untouched — for purchases, cash-out, and equity lines.
What would you like to do?
Two minutes · No credit check · No obligation · No pushy calls
Your specialist shops your file across a 90+ lender network, including
Wholesale and TPO lending relationships available to brokers in the network. All names are trademarks of their respective owners; no endorsement or affiliation is implied.
You closed $160K in gross commissions, deducted the mileage, marketing, and desk fees like your CPA told you to — and conventional underwriting read the leftovers. Then it averaged in your slow first year and asked why March was down. Our specialists use programs built for exactly this: your 1099s at gross (minus ~10%), or your actual deposits averaged over 12–24 months. The write-offs stay. The approval doubles.
1099 mortgage programs qualify you on what your brokerages actually paid you — typically ~90% of gross — not what's left after Schedule C. Multiple brokerages combine fine.
Bank statement programs average 12–24 months of deposits, so a $4K February and a $40K June read as steady income. S-corp and team structures welcome.
DSCR loans for your rentals — the rent qualifies, your commission volatility never enters the file, and closing in your LLC is standard practice.
Equity between escrows
A credit line against your own home — qualified on deposits or 1099s instead of tax returns — that smooths the months between closings and bankrolls the opportunities you spot before anyone else.
Two minutes · No credit check · No obligation
"I've sent that bank forty buyers. They declined me over write-offs. My specialist here qualified me on gross commission and closed in three weeks."
"The HELOC got me through my worst quarter in ten years without touching retirement, and I paid it down by summer."
"Cash-out on my duplex, closed in my LLC, rent qualified the loan. Nobody asked for a tax return once."
Two minutes · No credit check · No obligation
Conventional wants two. 1099 and bank statement programs often work with 12 months, especially with an established license or prior W-2 real estate history.
No — that's the point. Gross 1099 qualifying and deposit-based programs never read your Schedule C deductions.
Yes — investment-property HELOCs and HELOANs exist through specialty lenders, and DSCR-style equity products can qualify on the property's rent.
No — bank statement programs read deposits into business or personal accounts. It changes which statements we use, not whether you qualify.
Two minutes · No credit check · No obligation