Expanding Opportunity for Your Self-Employed and 1099 Borrowers

At PwrTPO, we believe strong relationships create stronger results.

Your borrowers don’t all fit inside traditional income documentation boxes, especially today’s entrepreneurs, business owners, and independent contractors. When tax returns don’t tell the full story, you deserve solutions that protect the relationship you’ve built and give your client a clear path forward.

That’s why we’re proud to introduce our Expanded Bank Statement and IRS Form 1099 Program.

These programs offer alternative income documentation options for self-employed borrowers, using personal or business bank statements or IRS Form 1099s instead of traditional tax returns.

Product Highlights

• 12- or 24-month personal or business bank statement options
• Income determined through structured Personal or Business Account Analysis methods
• Designed for active, productive self-employed businesses
• Eligible for primary, second home, and investment properties (1–4 units, warrantable condos)
• Purchase, rate/term, and cash-out refinance options available
• Maximum cash-out up to $1,000,000 (limits may apply, refier to the guidelines for more detail)

Click here to review the product guidelines.

Partnership Before Submission

We know alternative income loans require strategy.

That’s why we offer pre-submission bank statement income support. Working with you to review deposits, apply expense factors, and provide preliminary qualifying income guidance before the file ever reaches underwriting.

Fewer surprises.
Stronger submissions.
Better borrower experiences.

If you have a borrower who doesn’t quite fit traditional documentation guidelines, let’s structure it together. Contact your Account Executive today to learn more on how PwrTPO can best support you.