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self employed mortgage loan clients moving into a new house together.

Why Consider A 1099 Home Loan?

Tailored for Flexibility:

  • 1099 home loans are specifically designed for freelancers and self-employed individuals, providing flexibility to accommodate variable incomes.

Big Tax Advantages:

  • Leverage potential tax benefits associated with your self-employment status, enhancing your overall financial standing.

Experience Matters:

  •  We are super experienced in handling 1099 borrowers, we understand your unique financial challenges.

Transparent Terms:

    • QuestRock is known for transparent terms and fees, so you can avoid unpleasant surprises during the process.

How 1099 Home Loans Are Different

Flexibility In Income Documentation

  • Traditional Mortgages: Typically require extensive documentation and a stable employment history, making it challenging for freelancers and self-employed individuals.
  • 1099 Mortgages: Offer flexibility in income verification, acknowledging various income sources, and accommodating the unpredictable nature of self-employment.

Streamlined Application Process

  • Traditional Mortgages: Often involve lengthy and complex application processes, requiring multiple layers of paperwork and documentation.
  • 1099 Mortgages: Streamline the application process, making it more accessible for those with non-traditional income. Less paperwork means a quicker path to approval.

Credit Score Considerations

  • Traditional Mortgages: Place a heavy emphasis on a high credit score, making it challenging for individuals with variable incomes to qualify.
  • 1099 Mortgages: While credit is still a factor, the emphasis is often more on the stability and consistency of income. This can be advantageous for those with strong earnings despite fluctuations.
Self Employed Doctors Who Just Refinanced Their Mortgage

5.0 Client Rating on Google Reviews!

Geoey Cook – Atlanta

These guys were great. I started with a traditional lender, but being a business owner I ran into issues with tax transcripts that derailed our closing. Bill Medley was able to find an alternative mortgage package for us that enabled us to refi our first house and buy another too! Five stars all day long.

Geoey Cook – Atlanta, GA
Susan Woods – Ft. Lauderdale

“My loan was handled quickly and efficiently. Communication with the team was on point and professional. The most painless mortgage I have ever experienced! I would definitely recommend Bill Medley and the QuestRock team to everyone. Highly recommend!”

Susan Woods – Ft. Lauderdale, GA
Sean Murphy – Woodstock

Working with the team at QuestRock was an easy and seamless experience. They answered any and all questions I had along the way, and were very patient throughout the process. I highly recommend them!

Sean Murphy – Woodstock, GA
Sri M. – Stone Mountain

I financed two of my homes with QuestRock and my experience interacting with Bill Medley and Lisa Berchock during the loan process I found Bill to be both professional and personable during my first call. He is very straightforward and delivers what he promises.

Sri M. – Stone Mountain, GA
T. Copp – Decatur

I’ve had the best experience with Bill and QuestRock. It was so quick and easy to get everything done in the time frame I was looking for. They are a very professional and personal team. Thanks for all your help! I will definitely give you referrals!”

T. Copp – Decatur, GA
Kelley Rhinehart – Valdosta

It was a pleasure doing business with Bill and his team. They were professional, personable and dependable. Our experience with QuestRock was excellent and I would highly recommend them to anyone.

Kelley Rhinehart – Valdosta, GA
Chuck Calhoun – Blue Ridge

We lowered our interest rate significantly as Bill found rates that were very competitive with reasonable closing costs. From our initial loan application to closing, was less than four weeks. My wife and I have owned 10 homes through the years and dealt with many mortgage companies. Bill is a real professional and one of the best at providing fast, efficient and accurate service.

Chuck Calhoun – Blue Ridge, GA
Zac Campbell – Buckhead

QuestRock was absolutely the best service and support we’ve ever experienced during our latest purchase! With out a doubt will use them again. Thanks again for everything QuestRock! “You Rock!” 🙂

Zac Campbell – Buckhead, GA
Doug Marranci

“QuestRock is awesome! Other lenders could not deal with Self Employment
and a 160 page tax return, K9s etc. Thanks for pulling this all together and making a miracle happen!”

Doug Marranci,
Bill Chambers

“Excellent, very professional group. Got approved for refinance in less than 30 days.
They worked closely with us and found ways to save us money.

Highly recommended!!! Looking for another home now and will use again.”

Bill Chambers,
Guerdy Valcin

“I would definitely recommend the QuestRock team. They got my clients approved with a great rate and Lisa diligently facilitated their file to the closing table.
They answered all their questions and made the process painless for my first time home buyers!”

Guerdy Valcin,
Tom S. – Woodstock

“I have worked with Bill multiple times over the last several years. The first time was when I purchased my first home; I have since sold that home, bought a different one, plus refinanced that one. Bill has done the financing on all occasions as I’ve learned that I can trust his knowledge.”

Tom S. – Woodstock, GA

Let's Do This! Get Answers Today

1099 Home Loan mortgages are known for their simplicity in comparison to traditional mortgage solutions. The flexibility in income verification, streamlined application processes, and focus on the stability of income make them an attractive option for freelancers and self-employed individuals.

As the homebuying landscape continues to change, 1099 mortgages are a straightforward and accessible route to homeownership, ensuring that the dream of owning a home is within reach for more people.