At Adam Closes, we understand that not everyone earns income the same way — and that’s okay. Our 1099 loan programs are designed specifically for independent contractors, gig workers, and self-employed professionals who receive 1099 forms instead of W-2s.

These loans allow you to qualify based on your 1099 income rather than traditional tax documentation, providing a simpler and more accurate reflection of your financial situation. Whether you drive for a rideshare company, own a small business, or work on commission, 1099 loans make it possible to buy or refinance a home with flexibility and confidence.

With over 20 years of experience helping non-traditional earners secure mortgages, Adam and his team guide you through every step — from reviewing your income documentation to closing day — ensuring a smooth, transparent process. Your hard work deserves an opportunity to become homeownership, and we’re here to make it happen.