1099 Loans
FICO640 MIN.
LTV90% MAX.
Our 1099 loans, provide flexible financing solutions tailored to your needs.
- Upto 50% DTI Ratio
- Interest Only Available
- Uses 1 or 2 years of 1099 forms to qualify borrowers.
Mortgage Loan Originator
Chandler Atkinson
My approach is simple: educate first, communicate often, and find the mortgage solution that best fits your financial goals. Whether you’re buying your first home, upgrading, refinancing, or expanding your real estate portfolio, I’ll guide you through every step with clear communication, fast closings, and personalized service.
I proudly serve clients throughout Houston, the Greater Houston area, the Dallas-Fort Worth Metroplex, and across Texas, and I’m licensed in both Texas and Florida.
I specialize in:
- First-time homebuyer loans
- Conventional loans
- FHA loans
- Jumbo loans
- Investment property financing
- Non-QM loans, including Bank Statement and DSCR programs
Recognized as a President’s Club award recipient, 2024 Scotsman Guide Top Producer, and 2025 Scotsman Guide Rising Star, I’m dedicated to helping my clients achieve successful closings and build lasting wealth through homeownership.
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Current National Market Rates
Not feeling the average rate? Get the rate you DESERVE.
When it comes to mortgage rates, there isn’t a one-size-fits-all solution. Your mortgage rate is determined based on a few factors, including loan amount, estimated credit score, and location.
Getting an accurate rate will help determine your purchasing power. Getting the best rate just makes everything a little bit sweeter.
Get your rate quote nowExperience the Difference with Our Non-QM Loans
Non-QM Loan Programs
At Bayway Houston, we understand that every borrower is unique. That’s why we offer a variety of Non-QM loan programs to suit different financial situations. Whether you are self-employed, have an inconsistent income, or need a loan that considers alternative credit criteria, we have the right solution for you.
Profit & Loss Only
FICO660 MIN.
LTV85% MAX.
Uses P&L statements to assess income and business viability.
- $3 Million Max Loan Amount
- Primary, 2nd home and Investment
- Purchase, Rate and Term or Cash out
Foreign National Loans
FICO700 MIN.
LTV75% MAX.
A specialized loan program for foreign nationals, providing tailored financing solutions.
- $ 2M Max Loan Amount
- First Time investors are allowed
- Available for those with different types of visas (e.g., E2, H1B, L1).
- Short term rental income can be used to qualify.
DSCR Mixed Use
FICO700 MIN.
LTV75% MAX.
Specialized mortgage products for financing units that are operated as part of a hotel or resort.
- Properties up to 10 Units
- Mixed use Commercial and Residential space
- Commercial space not to exceed 49%
- $2 Million Max Loan Amount
Bank Statement Loans
FICO620 MIN.
LTV90% MAX.
Bank statement loans assist self-employed borrowers with mortgage qualifications.
- Cash Out up to 80% LTV
- Primary, 2nd Home, Investment
- Utilizes 12-24 months of personal or business bank statements to assess income.
- No Tax Returns required
DSCR Loans
FICO620 MIN.
LTV80% MAX.
Specialized financing option for real estate investors or commercial property owners.
- 1 to 4 Unit Residential Properties
- Investment Only
- FICO = ok 620 min
- LTV = ok 80% Max
- Loan amount up to $3.5 Million
- Vacant Properties
ITIN Loans
FICO700 MIN.
LTV80% MAX.
For borrowers living in the USA without a Social Security Number and instead have an ITIN number.
- Loan amounts up to $1.5 Million
- Qualify with Tax returns or Business Bank Statements
- Suitable for primary residences, second homes, and investment properties.
1 Year Tax Returns
FICO660 MIN.
LTV90% MAX.
Provide borrowers with immediate access to funds for a down payment or to cover expenses.
- Qualify with only 1 year of Tax Returns
- Loan Amounts up to $4 Million
- Purchase, Refinance or Cash out
- Primary or Investment Home
Answers That Keep You Moving
Frequently Asked Questions
Conventional loans often begin around 620, while FHA financing can work for borrowers with lower scores and a larger down payment. Your rate and mortgage insurance costs are score-driven, so strengthening your credit can reduce your monthly payment. We can review your credit profile and explain your best options.
Some programs allow as little as 3% to 3.5% down for qualified buyers, while VA and certain programs may offer no-down-payment options. Investment and Non-QM loans typically require more. The right amount depends on the loan type, property, and your financial goals.
Pre-qualification is an estimate based on information you provide. Pre-approval is stronger because your credit, income, and assets are reviewed. Many sellers take pre-approved buyers more seriously, especially in competitive markets.
Closing costs cover services such as appraisal, title, lender fees, taxes, and insurance. They commonly total 2% to 5% of the loan amount, but exact figures vary by transaction. We provide a clear estimate so you can plan before you make an offer.
A mortgage credit inquiry may have a small, temporary impact. Multiple mortgage inquiries made within a short shopping window are often treated as one inquiry by scoring models. Pre-approval is still an important step in showing sellers you are ready.
Most borrowers provide pay stubs, W-2s or tax returns, bank statements, and identification. Self-employed borrowers may also provide business statements or profit-and-loss documentation. Non-QM programs can use alternative documentation, such as bank statements or 1099s.
Yes, depending on the program. DSCR loans focus on the property’s cash flow rather than your personal income, which can be useful for investors. We can review the property details and help determine whether rental income supports the loan.
Many purchases close in about 30 to 45 days, though timing depends on the loan program, appraisal, title work, and contract terms. Clear documentation and quick responses can help keep everything on schedule.