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Hi, I recently (1 month) began working for a company and am payed as a 1099 contract employee, but I'm salaried. It is the same line of work I have been in for 20 years. My wife is also a 1099 employee and has 6 years of returns.

We are trying to buy a house and are finding it impossible to get a loan. We have excellent credit 770-780. We are looking to spend about ~200K for a house in KS and have about 10% down. Our combined income is around 110k, and we have very little debt.

Are there any lenders writing loans for 1099 employees without 2 years of returns?

Thanks,

Steve

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