Independent contractors and other 1099 professionals can have strong income while using a different documentation structure than traditional employees. Justus Sharp with NFM Lending offers flexible mortgage options for qualified borrowers whose income is primarily received through 1099 work.
1099 Income Loans are mortgage financing options for qualified borrowers who receive income as independent contractors, consultants, commission based professionals or other 1099 workers. Traditional mortgage programs may not always accommodate income that does not come from a standard employer and paycheck structure.
Non QM financing can provide alternative ways to evaluate eligible income and financial circumstances. Justus Sharp can review your income structure and help you understand which options may be available.
Independent professionals can have strong and consistent income while documenting that income differently from traditional employees. 1099 Income Loans can provide qualified borrowers with more flexibility when conventional income documentation does not accurately reflect their financial situation. These programs may be useful for contractors, consultants, business professionals and other independent workers. Justus Sharp can help you understand how your 1099 income may be evaluated and what documentation may be required.
Whether you're purchasing your first investment property, refinancing an existing rental, or expanding your real estate portfolio, Justus Sharp with NFM Lending is here to help you explore the right financing options. With a personalized approach and expertise in Non-QM and investment-focused lending, Justus provides clear, responsive guidance to help you make confident financing decisions
Tell us about your investment property and financing goals. Justus Sharp with NFM Lending will review your scenario and help you understand the Non-QM and investment property loan options that may fit your needs.
No spam. No obligation. Just straightforward guidance from Justus Sharp.
Equal housing lender. MLO licensing information: AL # 64071 FL # LO102080 IA # 50195 IL # 031.0079558 KS # LO.0057292 MI #436047 MO # 436047 NC # I-215855 OH # MLO.013279.000 SC # MLO – 436047 TN # 436047 TX VA # MLO-69578VA . NFM Lending, LLC. For NFM Lending, LLC’s full agency, and state licensing information, please visit http://nfmlending.com/licensing . NFM Lending, LLC’s NMLS#2893. For licensing info, go to: www.nmlsconsumeraccess.org. NFM Lending, LLC is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Qualifying credit score needed for conventional loans. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. Sales price cannot exceed appraised value. All Down Payment Assistance Programs have different requirements and contingencies; please consult with the Loan Originator to discuss your options. For more information, please contact your Loan Originator. You will need to apply for a first mortgage loan with NFM Lending, LLC. in conjunction with any down payment assistance program. All information contained herein is subject to change at any time. A training class might be required. All DPA programs require to apply for a 1st and 2nd mortgage. NFM Lending is not a Financial Advisor, Tax Advisor or Credit Repair Company. You should consult with a Financial Advisor, Tax Advisor or Credit Repair Company to learn more. Interest rates are subject to change daily and without notice. www.nfmlending.com. © 2026 NFM Lending, LLC. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending, LLC. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. MAC0726_4518798267
Licensing Details: NMLS # 2893
© 2026 Justus Sharp. All Rights Reserved.
