Where can I get a 1099 loan near me in Marina del Rey?

Save Financial's Marina del Rey office is at 13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292. We are a licensed California mortgage broker (NMLS #377740, DRE #01875766) and shop 1099 income loans across multiple lenders. Call (310) 759-4757.

A 1099 loan qualifies independent contractors and gig workers using their 1099 forms rather than tax returns, typically applying a reasonable expense factor so your qualifying income reflects your real earnings.

Do I need tax returns for a 1099 loan?

No. A 1099 loan uses your 1099 forms to qualify income, not your personal or business tax returns.

How is a 1099 loan different from a bank statement loan?

A 1099 loan qualifies you on your 1099 forms; a bank statement loan qualifies you on 12–24 months of deposits. We can run both and use whichever gives you more qualifying income.

Independent contractors and gig workers — including IT contractors, management consultants, travel nurses, and locum practitioners — who are paid on 1099 and whose returns understate their income.

Can I buy or refinance with a 1099 loan?

Both. 1099 borrowers use these loans to purchase a home or to refinance, including cash-out, without producing tax returns.

Is a 1099 loan subprime?

No. It's a Non-Qualified Mortgage (Non-QM) — outside the tax-return-based Qualified Mortgage definition — but built for creditworthy 1099 earners, not subprime.

Which areas do you serve from this office?

All of Westside and beyond — including Marina del Rey, Venice, Playa del Rey, Playa Vista, Santa Monica, Culver City, and more — plus every California county.

1099 Income Loans · Marina del Rey, CA

1099 Loans in Marina del Rey — Local 1099-Income Mortgages for Independent Contractors from Save Financial

A 1099 loan in Marina del Rey qualifies independent contractors on their 1099 forms — with a reasonable expense factor — instead of tax returns. Save Financial (NMLS #377740), a local mortgage broker at 13763 Fiji Way, Suite EU2, shops multiple lenders so your gross 1099 earnings tell the story. Call (310) 759-4757.

The Westside runs on self-employed income. Around the marina you'll find charter and boat businesses and hospitality operators; Venice and Abbot Kinney run on design, retail, and creative studios; Culver City and Playa Vista feed off the studio and Silicon Beach tech economy; and West LA and Santa Monica are thick with consultants, agencies, and medical and legal practices. A large share of these earners are paid on 1099, through an LLC, or in ways their tax returns understate after legitimate write-offs. For all of them, the deposits and the books tell a truer story than a trimmed return — which is why flexible documentation matters more here than in most markets, and why a broker who compares programs is worth the call.

Looking for a 1099 Loan Near You in Marina del Rey?

Our Westside home office lets a 1099 earner review their forms with a licensed loan officer and see the qualifying income a program will use — in person, not through a distant call center.

Save Financial — Marina del Rey office
13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292
Phone: (310) 759-4757
Hours: Monday–Friday 7:00 AM–7:00 PM, Saturday 9:00 AM–3:00 PM PT

The office is just off Fiji Way near the main channel of the marina, with convenient parking and quick access from Lincoln Boulevard and the 90 Marina Freeway. We serve Westside 1099 professionals from our Marina del Rey office across the neighborhoods below.

Areas We Serve Near Our Marina del Rey Office

1099 loans fit independent earners across the areas we cover from Marina del Rey:

Marina del Rey: IT and creative contractors paid on 1099 around the harbor and Silicon Beach.
Venice: freelancers and project-based creatives working under 1099.
Playa del Rey: remote 1099 professionals near the coast.
Playa Vista: tech contractors and consultants paid project to project.
Santa Monica: agency freelancers and management consultants on 1099.
Culver City: media and production contractors paid via 1099.
West Los Angeles: locum and travel-nurse professionals and consultants on 1099.
Mar Vista: independent professionals with steady 1099 income.
Westchester: aviation and airport-area contractors paid on 1099.

These are service areas of our Marina del Rey office, not separate offices.

How a 1099 Loan Works

A 1099 loan qualifies you using your 1099 forms rather than personal or business tax returns. The lender looks at your 1099 income directly and typically applies a reasonable expense factor, so your qualifying income reflects what you actually bring in — instead of the reduced net a conventional lender would use.

It's a Non-QM program built for independent contractors and gig workers — IT contractors, management consultants, travel nurses, locum practitioners, and project-based professionals. It differs from a bank statement loan (which uses deposits) and a P&L loan (which uses a CPA statement). As a broker, Save Financial shops multiple lenders so your 1099 income qualifies you for the most.

Common 1099 Scenarios for Westside Professionals

An IT or creative contractor whose tax return net is far below gross 1099 earnings.
A travel nurse or locum practitioner paid on 1099 buying a Westside home.
A consultant refinancing without producing tax returns.
A gig worker with steady 1099s who doesn't fit conventional documentation.
A contractor who prefers 1099s over bank statements or a CPA P&L.

Is a 1099 Loan Right for You?

You're paid primarily on 1099 as an independent contractor or gig worker.
Your tax-return net is well below your gross 1099 earnings after write-offs.
You're buying or refinancing a Westside home.
You'd rather qualify on 1099 forms than on deposits or a CPA P&L.

1099 vs. Bank Statement vs. P&L vs. Full-Doc

All qualify self-employed and 1099 borrowers, but they prove income differently:

Documentation path	Income proof	Tax returns?	Who it fits in Westside
Bank statement	12–24 months of deposits	No	Westside owners whose write-offs shrink taxable income
Profit & loss (P&L)	CPA-prepared P&L	No	Westside owners with clean CPA-prepared books
1099	Your 1099 forms + a reasonable expense factor	No	Westside 1099 contractors and gig workers
Full-doc	Tax returns & W-2s	Yes	Westside W-2 or clean-return borrowers

Because we broker across lenders, we compare a 1099, bank-statement, and P&L approach and use whichever qualifies you for the most.

Why Work With a Local Marina del Rey Mortgage Broker?

How lenders treat 1099 income and expense factors varies, and the difference changes your qualifying number. As a broker, Save Financial shops many lenders and places your file where your 1099 income works best. Our office is in Westside, so we know the Westside’s IT, creative, and healthcare contractors firsthand.

You can meet us in person, review your 1099s, and get straight answers from a licensed local loan officer. Call the Marina del Rey office directly at (310) 759-4757.

How to Get a 1099 Loan with Save Financial

Gather your recent 1099 forms. Start online or call (310) 759-4757.
We compare how lenders apply the expense factor and the income each will use.
We shop your file and place it with the best fit.
Close on your purchase or refinance without tax returns.

Serving Marina del Rey: Save Financial arranges these loans in Marina del Rey and across Westside Los Angeles from our Marina del Rey office. We are a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), Equal Housing Opportunity, and shop multiple lenders for your best terms. This page is informational and not a commitment to lend; all loans are subject to credit approval, income and property review, and program availability. Call 310-759-4757 or apply online.