Home Loans Designed for 1099 Earners

With Matt Cooper at Barrett Financial, qualify using your 1099 income without needing W-2s or tax returns.
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Straightforward Qualification for Independent Contractors

1099 Only loans allow independent contractors, freelancers, and gig-economy workers to qualify without traditional employment documents. Matt uses your 1099s and bank statements to calculate actual income, helping you access home financing with far fewer hurdles.
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Flexible Options for Non-Traditional Earners

Whether you’re a rideshare driver, consultant, real estate agent, or contractor, Matt ensures your verification process is smooth and realistic. This program acknowledges income fluctuations while still offering strong approval pathways.
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Why 1099 Only Loans Work

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Qualify using 1099 forms only.

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No tax returns or pay stubs required.

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Ideal for contractors and freelancers.

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Fast approvals with simplified documentation.
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Your Income, Your Opportunity

With Matt Cooper at Barrett Financial, you gain access to flexible loan options that support independent workers and make homeownership more attainable.
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Why Choose Matt Cooper at Barrett Financial?

Choosing Matt Cooper means choosing a lending partner who understands the importance of trust, communication, and expertise. Matt is dedicated to helping clients navigate the mortgage process with complete confidence—backed by Barrett Financial’s industry-leading resources, competitive rates, and innovative loan products. His client-focused approach ensures you receive tailored guidance, transparent solutions, and a mortgage experience built around your financial success.

We are known for

Personalized Loan Solutions – Every client is unique, and so are our mortgage solutions. We tailor every loan to fit your goals and financial situation.

Fast and Efficient Closings – Our streamlined approach ensures quick approvals and smooth closings, helping you move forward with confidence.

Competitive Rates & Flexible Programs – From DSCR and VA Loans to FHA, Conventional etc, we provide options that match your needs and budget.

Exceptional Client Experience – We go beyond transactions to build lasting relationships, offering guidance, education, and support even after your loan closes.

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Why Choose Matt Cooper at Barrett Financial?

Choosing Matt Cooper means choosing a lending partner who understands the importance of trust, communication, and expertise. Matt is dedicated to helping clients navigate the mortgage process with complete confidence—backed by Barrett Financial’s industry-leading resources, competitive rates, and innovative loan products. His client-focused approach ensures you receive tailored guidance, transparent solutions, and a mortgage experience built around your financial success.

We are known for

Personalized Loan Solutions – Every client is unique, and so are our mortgage solutions. We tailor every loan to fit your goals and financial situation.

Fast and Efficient Closings – Our streamlined approach ensures quick approvals and smooth closings, helping you move forward with confidence.

Competitive Rates & Flexible Programs – From DSCR and VA Loans to FHA, Conventional etc, we provide options that match your needs and budget.

Exceptional Client Experience – We go beyond transactions to build lasting relationships, offering guidance, education, and support even after your loan closes.

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"FAQs"

Speak to Matt Cooper About 1099 Income Loans