Lumos Mortgage"Thank you Lumos Mortgage Group for all your support during my buyer's financing process. It was a challenging one but we made it!! I will definitely recommend you to more clients."
I
Isabel Z.
Google · May 2026
1099 · gig · commission
Paid on 1099 or commission? Qualify on what you actually earn.
1099-only programs look at gross 1099 income, not the write-offs on your tax return.
4.99· 215 reviews
Step 1 of 7
How it works
- 1
Answer a few questions
About 45 seconds. No credit check to start.
- 2
We shop lenders for you
As a licensed broker, we compare programs from multiple lenders.
- 3
Get your game plan
A Lumos advisor texts you with next steps and documents.
Why borrowers choose this
1099s instead of tax returns
Some lenders use your 1099 totals directly.
Built for variable income
Commission, rideshare and contract work welcome.
Compare several lenders
As a broker we find the best fit for your pay structure.
Who this is for
- Independent contractors
- Gig and app-based workers
- Commission and real estate agents
Documents you'll need
- 1–2 years of 1099s
- Recent bank statements
- Year-to-date earnings
- Photo ID
Frequently asked questions
Do I need tax returns?
1099-only programs generally don't require them.
How many years of 1099s?
Typically 1 or 2 years, depending on the lender.
Can I mix W-2 and 1099 income?
Yes, lenders can often combine both.
I just started contracting — can I qualify?
Possibly, especially if you're in the same line of work. Let's review it.
Meet your broker
Joselin I. Chiu
Broker Owner · NMLS #2598846
Joselin I. Chiu has 20+ years in real estate financing. She founded Lumos Mortgage Group in Miami to give every borrower private-client guidance — in English or Spanish.
Get QualifiedVerified reviews
4.99 across 215 reviews.
Aggregated live from Experience.com — Google (79), Experience.com (87), Zillow (49). 100% 5-star.
"Excellent work and dedication! We are grateful!"
C
Cindy M.
Google · May 2026
"We are super happy — thanks to Yoster and Joselin for making this dream come true! I could see God's hand all the way through them. God bless you family!"
A
Andres L.
Google · May 2026