You work for yourself or receive 1099 income
We start with the way you actually earn and manage money.
Reddish Bull HomeBridge
Buying a home can feel out of reach when your income does not fit a standard paycheck.
A home loan for the home you plan to live in, with a more flexible way to review your income and credit.
No Social Security number, hard credit pull, or document upload is needed for this initial review.
See If HomeBridge Fits Me
Your full picture matters
A strong borrower does not always have a standard paystub.
We start with the way you actually earn and manage money—not just one narrow definition of income or credit.
- Up to 96.5% financing may be available for qualified buyers
- We can look at bank statements, 1099 income, business income, or assets
- There may be options even if your credit history is not perfect
- 30-year fixed-rate options may be available, subject to review
HomeBridge may fit if
Your situation may be different—and still worth a closer look.
Your income changes from month to month
We start with the way you actually earn and manage money.
You have paperwork beyond a traditional tax return
We start with the way you actually earn and manage money.
Your credit is improving
We start with the way you actually earn and manage money.
A simple first step
Know what happens next.
- 01
Tell us what you are looking for
- 02
Share a few basics about your finances
- 03
Get a clear next step from our team
Start securely
See whether HomeBridge may fit.
No Social Security number or financial documents are needed for this initial review.
Program cost transparency
If this program is the right fit, applicable costs may include a $1,500 underwriting fee at closing; one contract or lease payment at closing, when applicable; a monthly servicing fee equal to 0.50% of the FHA loan amount divided by 12; and a management fee equal to 0.50% of the purchase price. Final terms are provided in the applicable disclosures before commitment.