Our loan program

Gig Economy Mortgage

Purchase or Refinance

Our 1099, Bank Statement or Profit & Loss programs are designed for Self-Employed Borrowers.

For Uber, Door Dash, or other gig economy sources of income.

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Up to
80%
LTV - Purchase
80%
LTV - Rate & Term
75%
LTV - CASH OUT
30 - 40
Year Fixed
IO Options
$250K up to $8M

The Lowdown On Gig Economy Lending

How Do I Qualify? 

In contrast to conventional loans, our underwriters will request 12 or 24 months of your personal or business bank statements, or review a signed company profit and loss, to calculate your income.

Our Bank Statement and Profit & Loss programs are designed for Self-Employed Borrowers

When it comes to securing a loan as a self-employed borrower, we know it can become difficult when asked to verify your income using documents such as W-2s and tax returns. This is where our personal or business bank statement loans come in! We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our simple Self-Employed Rate Quote.

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BENEFITS

Why Should You
Choose Us?

This type of loan can be used for those individuals with more unique circumstances, such as a small businesses with write-offs, professional real estate investors or freelance professionals working on a contract basis.

  • Complete our simple Self-Employed Rate Quote
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs
  • Terms from 5 to 30 Years
Apply Now!
Adam Vaughn
“Just want to express my appreciation to Jason Gregoroff with Equity Direct Financial. My situation was a bit challenging, and although it took a few months, Jason was always keeping me in the loop and checking in, allowing me to feel at ease with the process. I have worked with other lending institutions and please give Jason and his team a shot at helping you. They are friendly, efficient, hard working, but most of all trustworthy of your personal information. Highly recommend !!!!!”

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States We Lend

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Score and background check

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$250K – $10MM+ non-owner occupied property

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2-months of recent bank statements

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Fix & Flip Experienced Required

PURCHASING SERVICES

Our Core Purchasing Service

Whether you’re looking to purchase a new home or refinance your existing home, Equity Direct Financial can provide all the help you need.

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Bank Statement Loans

If you’re self-employed, a bank statement loan is a helpful option if you’re looking to secure a loan for a mortgage.

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VA Loans
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Jumbo Loans

Our flexible loan structures provide our customers with the options they need to optimize their residential investments.

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VA Loans

Military Veterans are guaranteed a home loan with no down payment from the federal government.

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FHA Loans

Looking at creditworthiness as part of a loan application, there are alternatives to simply showing your income to a lender.

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Asset-Based Loans

Looking at creditworthiness as part of a loan application, there are alternatives to simply showing your income to a lender.

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Foreign National Loans

A foreign national loan makes it possible for you to own a home, even though you’re not a citizen.

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LET’S CONTACT

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