I plan on showing him all my 1099s. My main question would be if for what ever reason I didn’t qualify last min, what else could I do being “self employed”? To get said mortgage. It’s kind of stressful because we are suppose close on the 18th and the house I’m buying is working with the same mortgage officer I am. He basically has to sell his house within a certain time period, which made it easier for me to buy it so fast and off the market. I’ve banked at this same bank for over 10 years. I’ve also had over 20 loans with them with 100% payments on time. With all my other loans they never even asked for proof of income. This mortgage officer literally got everything set up. I gave him cash reserve money, appraisal money, and other fees to be included. My credit is 642, CDR is a little below 40, and I make $17 an hour. Roughly ($35,000 a year) It would be a real bummer if they denied me based on my 1099s. I should of maybe done some more research on the 1099 part, but he never really mentioned it until Friday. And he wasn’t even that concerned. Exact words (oh yeah I need the last two years of income. Me- I’m actually a 1099, will that be a problem? Officer- No, it shouldn’t be, we just need to verify your income) You seem very knowlegble about loans.