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Understanding Irregular Income Mortgage
Irregular income affects millions of American workers including seasonal employees, commissioned salespeople, gig economy participants, and freelancers. Traditional mortgage qualification methods that rely on stable W-2 income often understate these borrowers' true financial capacity. Bank statement loans, 1099 programs, and asset-based qualification methods provide alternative paths that better reflect variable earning patterns.
Alternative income documentation bridges the gap
How NMHL Helps
Proven solutions for irregular income mortgage
Personalized Consultation
Speak with a licensed expert who understands your unique situation and guides you to the right program.
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Access programs designed for borrowers in your exact situation — FHA, VA, conventional, and more.
Guided Process
We walk you through every step from pre-approval to closing. No surprises, no confusion.
Your Path to Homeownership
Free Consultation
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Pre-Approval
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Close with Confidence
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Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
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Frequently Asked Questions
Bank statement loans are often the best option for seasonal workers because they average deposits over 12-24 months, smoothing out the seasonal peaks and valleys. This typically produces a higher qualifying income than using tax returns, which may show lower net income due to business deductions.
Bank statement and Non-QM programs typically require 10-20% down payment, which is higher than the 3-3.5% available with conventional and FHA loans. However, if your tax returns support qualification, you may still be eligible for lower-down-payment traditional programs.
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