Mortgage Solutions for Independent Contractors

1099 Loans are tailored for self-employed borrowers, freelancers, and independent contractors who receive income via 1099 forms rather than traditional W-2s. These loans provide a pathway to homeownership for individuals with non-traditional income streams, allowing lenders to evaluate your earnings accurately. With guidance from Billy Kinberg – Senior Loan Officer, you can secure financing that reflects your true income and supports your homeownership or investment goals.
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Income Verification Using 1099 Forms

Unlike conventional loans, 1099 Loans allow you to qualify using your 1099 forms from the past 12 to 24 months. Lenders assess your reported income and stability, giving independent contractors a fair opportunity to secure financing. I help you organize and present your 1099 documentation to maximize your approval potential and streamline the application process.
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Flexible Loan Options to Match Your Goals

1099 Loans provide a variety of term structures, including fixed-rate and adjustable-rate options, allowing you to choose the loan that best fits your financial plan. Whether purchasing your first home, upgrading, or refinancing, these loans offer flexibility that aligns with your income and long-term objectives. I guide you in selecting the most suitable loan program for your situation.
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Benefits of 1099 Loans

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Qualify Using 1099 Income: Secure financing based on independent contractor earnings rather than W-2s.

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Flexible Loan Terms: Choose fixed or adjustable-rate options tailored to your financial goals.

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Financing for Multiple Property Types: Purchase primary residences, second homes, or investment properties.

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Personalized Support Throughout: Receive expert guidance from application to closing for a smooth experience.
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Financing for Primary, Second, and Investment Properties

These loans can be used to finance primary residences, second homes, or investment properties, giving self-employed borrowers a versatile tool to achieve their real estate goals. I work with you to identify the right property type and structure your 1099 Loan to optimize both approval and long-term financial benefits.
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Why Choose Us

With Billy Kinberg – Senior Loan Officer, we understand that choosing the right mortgage partner is one of the most important decisions you’ll make. Our mission is to provide personalized, transparent, and reliable mortgage guidance for every client. Whether you’re a first-time homebuyer, an experienced investor, or seeking refinancing options, we take the time to understand your unique financial situation and goals. With extensive experience and licensing across DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, we ensure that you have access to the right loan programs and the best possible rates for your needs.

We are known for

Personalized Client Support: We take the time to understand your financial goals and provide customized guidance through every step of the mortgage process.

Competitive Rates and Flexible Terms: We help you secure the best possible rates and loan structures to fit your unique financial situation.

Transparent and Trustworthy Service: Our clients rely on us for honest advice, clear communication, and a stress-free mortgage experience.

Licensed in Multiple States: Serving DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, we offer local expertise with broad coverage for your convenience.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

We offer a wide range of mortgage solutions, including FHA, VA, Conventional, Jumbo, DSCR, Reverse Mortgage, Down Payment Assistance, First-Time Homebuyer Loans, Non-QM, Bank Statement, P&L, and 1099 Loans. Each program is tailored to meet the unique needs of our clients.

Yes! We specialize in helping self-employed borrowers qualify using alternative documentation such as bank statements, P&L statements, or 1099 forms. Our team will guide you through the process to maximize your approval chances.

We take the time to understand your financial situation, goals, and property type to recommend the best loan program. With personalized guidance, we ensure you select a mortgage that aligns with your needs and long-term plans.

Yes. Billy Kinberg – Senior Loan Officer is licensed in DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, allowing us to serve clients across a wide area with local expertise and support.

The timeline varies depending on the loan type, property, and documentation, but our team is dedicated to making the process as smooth and efficient as possible. We provide clear guidance at every step to ensure timely approvals and closings.

Expert Guidance from Start to Finish

Navigating a 1099 Loan can be complex due to non-traditional income verification requirements, but with professional guidance, the process becomes straightforward. From reviewing your forms and preparing documentation to final approval and closing, I provide personalized support at every step. Licensed across DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, I ensure a smooth and stress-free experience for all borrowers.