Self-Employed
Contractors & Realtors
Independent contractors and real estate agents earning commission or 1099 income
Self-Employed
Contractors & Realtors
Overview
Real estate agents and independent contractors often have strong, provable income that simply doesn't look like a W-2. QuestRock reviews 1099 history, commission statements, and bank deposits together to build a qualifying picture that reflects actual earnings.
Documentation paths
- 1099s and commission statements
- Bank-statement documentation as an alternative or supplement
Common use cases
- Real estate agent purchasing or refinancing on commission income
- Independent contractor with variable monthly earnings
Things to consider
- Income consistency over time is often reviewed alongside total annual earnings.
Frequently asked questions
I'm a new real estate agent — can I still qualify?
It depends on your income history and documentation. A specialist can review your specific timeline and discuss which path may fit.
Related programs
- 1099 Income LoansQualify using 1099 earnings history for contractors and independent professionals.
- Bank Statement LoansQualify using 12–24 months of personal or business bank deposits instead of tax returns.
- Business OwnersA starting point for business owners comparing bank-statement, P&L, and 1099 paths.
Next step
Ready to talk it through?
A QuestRock specialist can walk through this program against your specific scenario — no commitment required.
Qualification for commission-based income requires full underwriting review of income history and consistency.
Written by QuestRock Content Team · Reviewed by Pending compliance sign-off · Last reviewed July 29, 2026