Independent professionals deserve independent solutions. If you work as a freelancer, consultant, or contractor, traditional mortgage requirements don’t always fit your income structure.

At Contour Mortgage, Tim and Liz Serratt specialize in programs that make qualifying straightforward for 1099 earners and self-contracted professionals. Whether you’re a designer, rideshare driver, real-estate agent, or gig-economy professional, we make it easier to turn your income into approval.

Programs include:

  • 1099 Income Loans — Qualify using your 1099 forms instead of tax returns or pay stubs. Perfect for freelancers with strong annual earnings but non-traditional documentation.
  • Employment Verification Options — In many cases, a simple employer or client letter confirming your work history and income may be all that’s required.

These flexible programs are built to recognize the evolving nature of work — empowering modern professionals to buy homes on their own terms.

Tim and Liz walk you through every step, ensuring a smooth process and transparent communication from application to closing.

Disclaimer: Non-QM (non-qualified mortgage) loans are designed for borrowers who may not meet standard agency or government guidelines. These loans may have higher interest rates, fees, down payment and reserve requirements than traditional conforming or government-insured loans and are not eligible for purchase or guarantee by Fannie Mae, Freddie Mac, FHA, VA, or USDA. Program terms, conditions, and availability are subject to change without notice. Not all applicants will qualify.