1099 Contractor Loan Program

Down payment assistance programs are designed to help buyers overcome one of the biggest barriers to homeownership. These programs provide financial support that can reduce or eliminate the upfront cash needed to purchase a home. Assistance may come in the form of grants, deferred loans, or low-interest second mortgages. This option is especially helpful for first-time buyers and moderate-income households. Down payment assistance makes buying a home more achievable without draining savings. Randy Bongard helps you explore available programs that fit your situation.
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Flexible Qualification for 1099 Income

Instead of relying on standard employment pay stubs, this program looks at 1099 forms and related documentation to determine qualifying income. Lenders typically review one to two years of 1099 records to calculate your average earnings. This ensures your income is accurately represented and verifiable. The approach simplifies mortgage approval for independent professionals. Borrowers gain a pathway to homeownership that reflects their real earning potential.
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Personalized Support for Independent Professionals

Every contractor’s income and work situation are unique, which is why this program provides tailored mortgage solutions. You’ll receive guidance on submitting documentation, calculating qualifying income, and understanding your loan options. Clear communication ensures a smooth application process. Professional support helps reduce stress and makes your mortgage experience efficient. The focus is on creating a reliable and straightforward path to financing.
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Benefits of 1099 Loan Program

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Uses 1099 income to qualify

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Ideal for freelancers and independent contractors

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Flexible documentation requirements

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Competitive interest rates and terms
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Guidance You Can Rely On

Navigating mortgages as a 1099 earner can be challenging without expert support. This program pairs you with knowledgeable professionals who understand independent contractor lending. You’ll receive transparent guidance, honest advice, and personalized support from start to finish. The goal is to make the mortgage process simple and achievable. With trusted expertise, securing a loan becomes straightforward.
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Why Choose Price Mortgage for Your Loan Needs

Choosing the right mortgage partner can make all the difference in your homebuying journey. With Randy Bongard at Price Mortgage, you gain more than just a lender—you gain a dedicated advisor committed to helping you achieve your financial goals and homeownership dreams. Every borrower’s situation is unique, and Randy takes the time to provide solutions that fit your specific needs, whether you’re a first-time homebuyer, refinancing, or investing in property.

We are known for

Personalized Guidance: Randy provides tailored mortgage solutions to match your unique financial goals and homeownership needs.

Expertise You Can Trust: With years of experience in both commercial and residential real estate, Randy brings deep industry insight to help you make informed decisions.

Transparent and Honest Service: Clarity and integrity are at the heart of everything Randy does, keeping you informed at every step of the mortgage process.

Flexible Loan Options: From first-time homebuyer programs to refinancing and investment property loans, Randy offers a wide variety of financing options designed to fit your goals.

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Why Choose Randy Bongard at Price Mortgage?

Choosing the right mortgage partner can make all the difference in your homebuying journey. With Randy Bongard at Price Mortgage, you gain more than just a lender—you gain a dedicated advisor committed to helping you achieve your financial goals and homeownership dreams. Every borrower’s situation is unique, and Randy takes the time to provide solutions that fit your specific needs, whether you’re a first-time homebuyer, refinancing, or investing in property.

We are known for

Personalized Guidance: Randy provides tailored mortgage solutions to match your unique financial goals and homeownership needs.

Expertise You Can Trust: With years of experience in both commercial and residential real estate, Randy brings deep industry insight to help you make informed decisions.

Transparent and Honest Service: Clarity and integrity are at the heart of everything Randy does, keeping you informed at every step of the mortgage process.

Flexible Loan Options: From first-time homebuyer programs to refinancing and investment property loans, Randy offers a wide variety of financing options designed to fit your goals.

talk to a loan specialist

"FAQs"

I offer access to a wide range of loan programs, including conventional, FHA, VA, jumbo, refinance, and investment property loans. Because I work as a mortgage broker, I can explore multiple options to find the loan that best fits your goals and financial situation.

As a mortgage broker, I’m not limited to one lender’s products. This allows me to compare multiple loan programs and rates to find the most competitive and suitable option for you, rather than a one-size-fits-all solution.

The timeline can vary based on the loan type and your specific situation, but most home loans are completed within 30 to 45 days. I stay closely involved throughout the process to keep things moving smoothly and on schedule.

Absolutely. I work closely with first-time buyers to explain every step, review available programs, and help make the process clear and comfortable from application to closing.

To begin, you’ll typically need basic financial details such as income, assets, credit history, and the estimated purchase price or loan amount. Once you reach out, I’ll guide you through exactly what’s needed based on your situation.

Start Your Homeownership Journey Today

Randy Bongard with Price Mortgage is committed to helping 1099 earners access flexible mortgage solutions. With experience in independent contractor lending, Randy provides personalized guidance and clear advice throughout the loan process. The 1099 Loan Program is designed to turn your contract-based income into real homeownership opportunities. Whether buying or refinancing, you’ll have a trusted partner at every step. Fill out the form below to take the first step toward your new home.