Home financing for construction professionals — Contractor Home Loans
Secure your mortgage using business deposits instead of tax returns.
Soft credit inquiry only. Your credit score stays intact.
- Bank statement loan
- 1099 income
- Net profit
- Debt-to-income ratio
- Schedule C
- Asset depletion
- Alternative documentation
- Cash flow analysis
Mortgage financing and home loan strategies for independent contractors and self-employed construction professionals
Financing options matched to your situation, in one place.
- Statement 12-24 month bank statements Qualify using your gross deposits rather than bottom-line taxable income.
- 1099 1099 contractor loans We secure funding based on your annual gross 1099 earnings.
- Asset Asset depletion loans Use your liquid cash and retirement accounts to qualify for the loan.
- Investor DSCR investor loans Qualify for rental property financing based on the property income.
- $150K–$5M Available loan amounts
- 48 hours Typical pre-approval time
- 0% Impact on credit score
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Tax return neutral
- No tax returns required for qualification.
- Write-offs do not impact your borrowing power.
Speed to close
- Pre-approval letters available in 48 hours.
- Faster underwriting than retail bank mortgages.
Niche expertise
- Lenders familiar with construction seasonality.
- Loans tailored for sole proprietors and LLCs.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Tax return write-offs
Traditional banks penalize your business deductions as personal losses.
Inconsistent pay cycles
Standard underwriting demands a consistent bi-weekly W-2 salary history.
Short business history
Most retail banks require two full years of filed tax returns.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
General Contractor
Purchased primary residence using 12 months of business bank statements.
HVAC Business Owner
Qualified for a mortgage using gross 1099 commission income.
Landscaper
Used existing liquid assets to qualify without income proof.
Construction Sub
Refinanced existing mortgage to remove tax-heavy DTI restrictions.
Need commercial equipment financing?
We partner with lenders who finance heavy machinery, work trucks, and specialized construction tools with flexible terms that protect your working capital.