Скачать или смотреть 400 Credit Score + 1099 Income — Can You Still Get Approved for a Mortgage?

In this episode of Buyer Archetypes, Jerry Pounds breaks down a real-world scenario many first-time buyers face: Can you buy a house with a 400 credit score, $10,000 saved, and 1099 contractor income?

Meet Shawn — a 27-year-old rideshare driver, part-time retail worker, and 1099 independent contractor who worked hard to save $10,000 but damaged his credit after defaulting on a car loan years ago. Like many gig workers and self-employed buyers, he wants to stop renting and buy a small home for his daughter. Jerry walks through the real steps to rebuild credit, qualify for a mortgage as a 1099 worker, and create a realistic homeownership timeline.

This video covers:

What is the lowest credit score to buy a house

Can 1099 contractors qualify for a mortgage

How self-employed buyers should document income for home loans

How to rebuild credit fast for home buying

Whether you should pay off collections before applying for a mortgage

If a co-signer with good credit helps you qualify

How long it takes to raise your credit score enough to buy a home

What happens when you apply for a mortgage with credit under 500

How down payment assistance programs help first-time buyers and gig workers

Smart saving strategies to strengthen your loan profile

Jerry also shares a real client story about someone who rebuilt their credit, stabilized self-employed income, and successfully became a homeowner.

If you’re wondering “Can I get a mortgage as a 1099 contractor?”, “Can I buy a house with bad credit?”, “How do I qualify for a home loan as a rideshare driver?”, or “What credit score do I need to buy a home in Pennsylvania?” — this episode gives you clear, honest answers.

📍 Serving Pittsburgh and Pennsylvania homebuyers
📩 Want personalized guidance? Visit teamjerrypounds.com/contact to get started.

Got questions about home loans, refinancing, or building wealth through homeownership?

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📲 I’m passionate about helping homebuyers and homeowners make smart, confident financial decisions. Whether you’re buying your first home, exploring refinancing options, or looking to use your home equity strategically—I’m here to guide you every step of the way.

Jerry Pounds | Mortgage Wealth Advisor
NMLS ID #340848

About Jerry:
⭐️ Expert guidance on home loans, refinancing, and mortgage strategy
⭐️ Helping buyers and homeowners turn financing into long-term wealth
⭐️ Your go-to resource for smarter home financing and financial freedom

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