1-Year Income Qualification

Buying or Refinancing?


Quintessential Mortgage Group is happy to offer qualified borrowers options for obtaining financing for self-employed or 1099 employees. To qualify borrowers should have an employment history along a year’s worth of income tax returns to be used. The borrower must have a 2-year employment history, but only 1 year of income tax return is used to qualify the borrower.

The Major Benefit

We want to provide mortgage options that allow self-employed and 1099s the opportunity to borrow the higher amounts they can afford. We work to get the full picture of how much you can truly qualify by working with one of our team of skilled loan officers. Below are a few highlights of the 1-year income program:

  • Loans from $100,000 – $3,000,000
  • Self-employed, commission: qualify on 1-year tax return — Self-Employed for 2 yrs
  • Foreign Nationals permitted
  • All occupancy types allowed


It’s our mantra that we provide excellent service and find the best rates for our borrowers. If you believe the 1-Year Income Qualification program is right for you, or you want to learn more. Please contact our team today.

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