1099 Income Loans - Mortgages for Contractors and Self-Employed

Qualify for a home loan using your 1099s only without having to show Tax Returns. 

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Why do you need a 1099 income, self-employed home loan in Georgia?

Let’s face it, when you are self-employed, getting a traditional mortgage can be tricky.

With traditional mortgages such as conventional, or FHA loans, self-employed and entrepreneur borrowers have to show two years of tax returns for income. 

Unfortunately, this is where it gets complicated. 

We understand that business owners, entrepreneurs and contractors have expenses and should not be penalized for operating a business, working in the entertainment industry, doing contract work, or receiving gig income when it comes to buying or refinancing a home! This is where the 1099 income only loan comes into play. 

We analyze other alternatives to calculate your income. Our 1099 income loan is the perfect solution for contractors who receive one or multiple 1099s from different companies. This program allows us to calculate your income by using your 1099s without ever having to show personal or business tax returns. 

We make it easy to find out how you can qualify for the best loan for your unique situation

Here are a few things you should know about 1099 income loans

Navigating your options doesn’t have to feel overwhelming.

As a boutique mortgage brokerage, we work with multiple lenders, shop their rates, and help you find the right one. So you can focus on more important things.

If you are buying a home...

If you are refinancing your mortgage...

Applying for a Self-Employed loan in Metro-Atlanta

With the amount of misinformation spread out there and the volatility in interest rates in the market, you definitely want to put your biggest asset (and liability) in the hands of a professional. 

With over a decade of experience in home lending in Atlanta and access to some of the lowest rates in the market, Andes Mortgage LLC is a boutique brokerage with the ability to offer a variety of self-employed loan products such as 1099 income loans that many other lenders don’t. 

We don’t put you on a switchboard and we promise that you are not going to speak to a customer service rep in a boiler room looking to make you fill out an application and run your credit. We give you personal, tailored information that is unique to you and your financial situation. Give us a call at 770-740-4050 or simply click the button below to get in contact with us.

What Our Clients Say About Us


70+ ratings

Rebekah Apostol
Rebekah Apostol
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We loved working with Marcos and his team! They are all very friendly, on top of details, and a pleasure to work with. We are first time home buyers, and Marcos took his time to educate us on the steps we needed to take to improve our credit and financial situation in order to be well prepared to buy a home. Once we were ready, he educated us in the home buying process, and made everything very easy. His rates were also much lower than others we saw. We would recommend his services to anyone looking for a lender! Our very experienced realtor was even very impressed with how smooth and quick the process was with Andes Mortgage!
Zyska Walters
Zyska Walters
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Let’s just say Andes Mortgage as our broker was the best decision we made. We worked with Marcos who explained the process very well and was available when we had questions. Our realtor was the one to refer him to us. They definitely work fast and we closed within two and a half week of going under contract. His entire team was great and communicated well. We will definitely work with them in the future.
Nicole Falco
Nicole Falco
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Being first time home buyers and going through the process first time, it was quite overwhelming beginning the process…. Until our paths crossed with Marcos! He was kind, professional, honest, friendly, welcoming, and made the entire process seamless and smooth for us! Not to mention, he earned our trust right off the bat!! It’s refreshing to be in the hands of someone who actually has our best interest at heart and puts his clients first. We’re forever grateful for Marcos and will continue to recommend him to any and ALL of our friends and family who are looking to apply for home mortgages!!!!
Adrian Garcia
Adrian Garcia
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Working with Marcos has been such a good experience. He helped me a lot during my initial purchase and also now during my refinancing process. He always keep you informed either by phone, mail or text. If you are looking to buy a house or refinance, he is definitely the option!