1099 Mortgages

Groves Capital Makes 1099 Home Loans Easy

Click the button if you would like to apply for a loan now. Our application process is quick, easy, and most of all free. We never charge a client for a pre-qaulification application.

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1099 Self Employed Mortgages

Our 1099 income mortgages are for self-employed borrowers and 1099 workers. Many freelancers, contractors, gig economy workers, or other self-employed borrowers who file using W-9s have a difficult time qualifying for a mortgage under traditional (qualified) mortgage guidelines.

Most traditional home loans, such as Conventional, FHA, VA, Jumbo, and USDA loans, do a poor job of qualifying applicants who earn their income through 1099 wages. With traditional home loans, most lenders are restricted to using only the taxable portion of the applicant’s wages for qualification purposes.

These underserved borrowers can use 1099 earning statements instead of tax returns to qualify for a mortgage. Our 1099 mortgages are an alternative solution to help any self-employed 1099 earners achieve homeownership. Qualify using your real income, and 1099 statements to purchase the home of your dreams.


1099 Self Employed Mortgages

Rates & Terms

Single family, condos, townhomes, multi-family 2-4 units

$75,000 – $3,000,000

Up to 80% of the value

Fixed or Adjustable options on 30 year terms

5 & 7 year ARM and 30-Year Fixed-Rate Loans

Loans are available to individuals with or without stated income, trusts, corporations, and limited partnerships.


Get Your Mortgage Here

Welcome to Groves Capital Inc.
The Nations Premier Home Loan Lender

Groves Capital Inc. is a family-owned business based in San Diego, CA. We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

Today’s technology is providing a more productive and real-time environment. For example, through our website, you can submit a complete and secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.  Additionally, you can search for properties through our interactive MLS portal.  In the complex world of lending; our goal is to make it as simple as possible.

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