Tailored Financing for Independent Earners
Our 1099/Profit & Loss Loan programs are ideal for self-employed professionals, contractors, freelancers, and gig workers who earn income outside traditional W-2 employment. Instead of complex tax returns or pay stubs, we use your 1099 forms or a CPA-prepared Profit & Loss statement to determine your eligibility—making homeownership accessible to more independent earners.
Simpler Income Verification, Smarter Loan Process
With this program, we evaluate your financial performance based on your actual earnings through documented 1099 income or profit/loss summaries. This approach reduces the burden of gathering extensive documentation and simplifies the underwriting process without compromising on accuracy or confidence in your ability to repay.
Financing for Both Homebuyers and Investors
Whether you’re purchasing your dream home or investing in residential properties, this program supports a wide range of goals. It’s available for primary residences, second homes, and investment properties, giving self-employed borrowers broader options and more control over how they grow their assets
Experience the Equity Partners USA Advantage
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Access to over a dozen loan programs to fit every borrower profile
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Solutions for self-employed, investors, and non-traditional income earners
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Dedicated support from application to closing—no guesswork, just clarity
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Competitive interest rates with low fees and flexible qualification terms
Flexibility Meets Opportunity
These loans are designed with self-employed borrowers in mind—meaning more lenient credit requirements, higher allowable debt-to-income ratios, and customizable down payment options. We work closely with you to ensure the loan structure fits your business model and financial objectives.
Why Choose Equity Partners USA
At Equity Partners USA, we’re more than just a mortgage company—we’re your dedicated financial partner. We understand that securing a home loan is one of the most important financial decisions you’ll make, and our mission is to make that experience as simple, transparent, and rewarding as possible. With a diverse range of loan programs, industry expertise, and a client-first approach, we provide personalized lending solutions that align with your goals.
We are known for
Personalized loan solutions tailored to each client’s financial profile
Exceptional service and hands-on guidance from start to finish
Fast, efficient processing with transparent communication
Flexible programs for self-employed, first-time buyers, and investors
"FAQs"
We offer a wide range of loan programs including Conventional, FHA, VA, USDA, Jumbo, DSCR, ITIN, Bank Statement, 1099, Profit & Loss, HELOC/HELOAN, and Fix & Flip loans. Whether you’re a first-time buyer, investor, or self-employed borrower, we have solutions tailored to your needs.
Our mortgage experts take the time to understand your financial goals, credit profile, and income situation. Based on that, we recommend the most suitable loan options and walk you through each step of the process with full transparency.
The required documents may vary by loan type, but generally include proof of income (W-2s, pay stubs, bank statements, or 1099s), tax returns, credit history, and identification. For self-employed borrowers, we may request business financials or a profit and loss statement.
Most of our loans close within 21 to 30 days, depending on the complexity of the file and how quickly we receive your documentation. We prioritize a smooth, timely closing and keep you informed throughout the entire process.
Yes! We specialize in helping self-employed borrowers and those with alternative income sources. We offer programs like Bank Statement Loans, 1099 Loans, and Profit & Loss qualifying options to make homeownership accessible—even without traditional pay stubs.
Built Around Your Goals, Backed by Expertise
At Equity Partners USA, we don’t believe in one-size-fits-all lending. Every loan we structure is thoughtfully crafted to match your goals, lifestyle, and financial strategy. Whether you’re buying your first home, growing your investment portfolio, or refinancing for better terms, our expert team is here to guide you with clarity, precision, and care.
