Trying to buy a house in TX this year (2026) but it's tough with freelance income. My realtor suggested Champions Mortgage or LoanDepot. Any freelancers have experience with either of these?
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Getting a mortgage as a 1099: Champions Mortgage vs LoanDepot?
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kelly_rivera7mo ago
Champions is way better for us self-employed folks. Plus if you're local, they know all the ins and outs of houston down payment assistance programs which can save you a ton of cash upfront. They got me cleared to close in 24 days on my freelance income.
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LoanDepot gave me the absolute runaround with my 1099s. It took weeks just to get a pre-approval because their underwriters didn't understand my business expenses.