# 1099 Income Mortgages in Florida

AAA Capital Funding, Inc. is an independent mortgage brokerage in Fort Lauderdale, Florida, established 1997. Licensed in Florida only, lending in all 67 Florida counties. Company NMLS 374739. Jason J. Sarji, President and Owner, NMLS 374700.

Financing for contractors and commission earners paid on a 1099.

## Can I get a mortgage on 1099 income?

Yes. There are programs that qualify you directly from 1099 forms rather than from
tax returns with all the deductions taken out.

## Who does this apply to?

Independent contractors, commissioned salespeople, real estate agents, truck drivers
and owner-operators, gig and delivery workers, medical and technical contractors, and
anyone else whose income arrives on a 1099 instead of a W-2.

## Why do 1099 earners get declined so often?

Because automated underwriting is built around a W-2 and a two-year employment
history. A 1099 earner with strong income and a short or irregular history doesn't
fit the box, and an automated system reads that as risk rather than reading the
actual numbers.

## How much history do I need?

Less than most people assume, and it depends on the program and on whether the work
continues a prior career in the same field. Worth asking before you rule yourself
out.

## Can I combine 1099 income with W-2 income?

Yes, and many borrowers do. Structuring which income sources get used, and how, is
part of the work.

## Do I need tax returns?

Sometimes not. There are 1099-only programs, bank statement programs, and standard
documentation programs. Which one qualifies you for the most house is a comparison
worth running.

## What if an online lender already told me no?

Automated underwriting reads a file one way. A human underwriter reads it another. A bank
quotes from its own rate sheet and applies its own overlays, so when a file doesn't fit
that one set of rules the answer is no and there's nowhere else for it to go.

As a broker we send the file to multiple wholesale lenders and place it with the one whose
guidelines actually fit it. An automated decline isn't always the end of the road.

## Related pages

- Bank statement loans: https://aaacapitalfunding.com/mortgage-loan-programs/bank-statement-loans/
- Non-conventional options: https://aaacapitalfunding.com/mortgage-loan-programs/nonconventional-mortgages/
- Qualifying for a loan: https://aaacapitalfunding.com/learn/qualifying-for-a-loan/
- FHA: https://aaacapitalfunding.com/mortgage-loan-programs/fha-mortgages/

## How do I find out where I stand?

One phone call, usually under ten minutes. No application, no credit pull, and you don't
need to send anything to find out.

- Toll-free: 888-601-8344
- Fort Lauderdale office: 954-390-7994
- Call or text Jason directly: 954-816-8820 (this is the only line that receives texts)

The person who answers the phone is the same person who handles the file through closing.
No handoffs, and nobody new to bring up to speed.

## About this firm

- AAA Capital Funding, Inc., established 1997
- Jason J. Sarji, President and Owner
- Company NMLS 374739, Jason J. Sarji NMLS 374700
- 3000 N Federal Hwy, Suite 7, Fort Lauderdale, Florida 33306
- Google rating 4.9 from 148 reviews
- BBB A+ accredited
- Regulated by the Florida Office of Financial Regulation
- Google Business Profile: https://www.google.com/maps?cid=14183017433394490277

All loan applications are subject to credit and property approval. Program terms and conditions are subject to change without notice.