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Understanding Gig Worker Mortgage
The gig economy is booming, with more people turning to freelance, contract, or independent work. However, this shift has created challenges for lenders who traditionally rely on stable employment and income documentation. At NMHL, we understand the unique needs of gig workers and offer specialized mortgage programs to help you achieve your homeownership goals.
You have mortgage options beyond traditional employment income.
How NMHL Helps
Proven solutions for gig worker mortgage
Personalized Consultation
Speak with a licensed expert who understands your unique situation and guides you to the right program.
Flexible Loan Programs
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
Tell us about your situation and goals.
Explore Options
We match you with the best loan programs.
Pre-Approval
Get pre-approved to strengthen your position.
Close with Confidence
We guide you through closing smoothly.
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!”
We Serve 29 States
Click any state to see local rates and programs
Our Presence
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Frequently Asked Questions
NMHL considers alternative forms of income verification, such as bank statements or asset depletion, to qualify gig workers for a mortgage. Our loan officers will review your individual circumstances to determine the best approach.
Yes, NMHL offers pre-approval for gig workers through our specialized mortgage programs. Our loan officers will review your financial situation and provide a personalized pre-approval, taking into account your unique income circumstances.
To qualify for a bank statement loan program, you'll typically need to provide 12-24 months of bank statements to verify your income. NMHL's loan officers will review your statements to determine your average monthly income and assess your creditworthiness.
While traditional credit scores are considered, NMHL also offers alternative credit scoring options for gig workers. Our loan officers will work with you to identify the best approach for your situation, which may include non-traditional credit references.
Yes, NMHL allows co-signers on mortgage applications, which can be beneficial for gig workers who may not meet traditional income or credit requirements on their own. Our loan officers will review the co-signer's creditworthiness and income to determine the best approach.
Helpful Resources
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