With brand-new 1099 income and no co-signer, the honest options are limited. Lenders treat 1099 work as self-employment, and across FHA, Fannie, and Freddie the default is two years of tax returns in the same line of work, with qualifying income being the net after business expenses, averaged over that period. One year can work as an exception, but only with a full 12 months on the most recent return plus documented prior experience in the same field. A role you just started clears neither bar, and the reason behind the rule is that 1099 gross pay says little about what you'll actually net after expenses and overhead. That leaves three real paths: - A bank-statement or other non-QM loan. These can work without the tax history, at the cost of a larger down payment and a meaningfully higher rate. - A co-signer. You've ruled this out, but if one is available, the numbers are usually far better. - Build the history. Often the most productive move is strengthening the file for a while longer and coming back with income a lender can count. Confirm the self-employment documentation requirements for whichever program you target, since they vary by loan type.