Who we help
Mortgages for every kind of driver
Own authority or leased on. Contract driver or fleet owner. Fresh out of CDL school or thirty years on the road. Pick the one that sounds like you.
Owner-operators with their own authority
You run under your own MC number, book through brokers or a dispatcher, and probably factor some invoices. Your gross is strong and your Schedule C is lean.
Usually fits: Bank statement loans usually lead. P&L loans work well if a CPA keeps your books.
See the programLeased-on owner-operators
You own or lease the truck and haul under a carrier's authority, paid by weekly settlement with chargebacks and escrow coming out.
Usually fits: Bank statement loans are typically the best fit, since your 1099 may show gross revenue before fuel and truck costs.
See the program1099 contract drivers
You drive someone else's truck and get a 1099 instead of a W-2. Your pay is real and steady, but there's no employer to verify it the usual way.
Usually fits: 1099-only loans can qualify you on your contractor income with a set expense factor.
See the programSmall fleet owners
You run two or more trucks, maybe hired drivers, maybe an LLC or S-corp. Equipment depreciation is doing heavy lifting on your tax return.
Usually fits: P&L loans or business bank statement loans, with your ownership percentage applied.
See the programLease-purchase drivers
You're working toward owning your truck, with payments coming out of each settlement. You're building a business and want to build equity at home too.
Usually fits: Bank statement or 1099 programs, with the lease-purchase payment handled correctly in your numbers.
See the programCompany drivers on a W-2
You get a W-2 and pay stubs, possibly with part of your pay as per diem. Most of the time a traditional loan is the right call.
Usually fits: FHA, VA, or conventional, with per diem planning ahead of time.
See the programNew CDL drivers
You finished CDL school and you've been driving a short time. Lenders want to see history, but school that led straight into the job often counts.
Usually fits: Usually traditional loans once you have a little history. We'll map out your timeline.
See the programVeteran drivers
You served, then took to the road. You may be eligible for a VA loan, one of the strongest home loan benefits available.
Usually fits: VA loans for eligible veterans and service members.
See the programTeam drivers and couples
You and a partner run as a team, or one of you drives while the other works a W-2 job. Two incomes can mean more buying power.
Usually fits: Co-borrower files that combine W-2, 1099, or self-employed income.
See the programHotshot and box truck operators
You run a one-ton and gooseneck, or a box truck under your own authority. Same self-employed paperwork challenge, same solutions.
Usually fits: Bank statement, 1099, or P&L programs, depending on how your books are kept.
See the programCommon questions
Driver questions we hear every week
How long do I need to be driving before I can buy a house?
About two years in the industry is the common benchmark, for W-2 and self-employed drivers alike. Many lenders count CDL school or training that led straight into your driving job, and some non-QM lenders consider one year of self-employment when you were driving before that. Every lender sets its own rule, so we check your exact timeline.
I just went from company driver to owner-operator. Do I have to wait two years?
Not always. Lenders look at whether you stayed in the same line of work. Moving from company driver to leased-on owner-operator is a change in how you're paid, not a career change, and some lenders will consider your file with roughly a year of self-employment backed by your earlier W-2 history. Your exact options depend on the lender.
Can I get a mortgage if I'm on the road 300 days a year?
Yes. A home you intend to live in as your principal residence is still your primary home even if you're out on long hauls. Home time, your family living there, your address on your license and tax filings all support it. You can't use a primary-residence loan on a property you'll actually rent out, though.
Can my spouse or team partner apply with me?
Yes. A co-borrower's income, whether W-2 or self-employed, can be combined with yours. Husband-and-wife driving teams often qualify as co-borrowers on the same file.
Find out what you qualify for. From the cab.
Answer a few questions, no credit pull to start. A licensed loan officer who speaks trucking will shop your file across 150+ wholesale lenders.