Unlock Your Dream Home:
Simplified Mortgage Solutions for Self-Employed Borrowers

"New Opportunities for Self-Employed: Easier Access to Competitive Mortgage Options!"

Are you self-employed and dreaming of owning your home but overwhelmed by the traditional mortgage application process? You're not alone. Many self-employed individuals face unique challenges in proving their income and securing a mortgage. But here's the good news: innovative mortgage solutions that cater specifically to self-employed borrowers are now available, allowing you to use just your last 12 months' bank statements or your 1009 income—no tax returns required!

 Why Traditional Mortgages Don’t Work for Everyone:
Traditional mortgage applications often require extensive documentation, including tax returns from the past two years. For self-employed individuals, this can be a significant hurdle. Inconsistent income, numerous write-offs, and complex financials make presenting a clear picture of your earning potential difficult.
Simplified Mortgage Options

 The mortgage industry is evolving, recognizing the need for flexibility and understanding in assessing self-employed borrowers. Here's how these new solutions work:
Bank Statement Loans: These loans consider the deposits in your bank account over the last 12 months. Lenders analyze your bank statements to determine your average monthly income, providing a more accurate representation of your financial situation.
1009 Income Loans: If you're a freelancer or contractor, you likely receive 1009 forms from your clients. These forms show your earnings; some lenders now accept them as proof of income, bypassing the need for tax returns.

The Benefits of Alternative Income Verification

 Simplicity and Speed: 

Using bank statements or 1009 forms, you can bypass the lengthy and often complicated process of gathering and submitting tax returns. This streamlined approach can speed up the approval process, getting you into your dream home faster.

 Flexibility for Modern Workers: 

These innovative mortgage options cater to various income streams.
Steps to Secure Your Mortgage

Gather Your Documentation: 

Could you collect your bank statements from the last 12 months or your 1009 income forms?

Consult a Specialist: 

Work with an experienced mortgage broker in self-employed loans. They can guide you through the process, answer your questions, and help you understand your options.

Prepare Your Application: 

Submit your documentation along with any other required information.

Owning a home is a significant milestone and an achievable dream, even for self-employed individuals. By leveraging innovative mortgage solutions like bank statement loans and 1009 income loans, you can overcome traditional barriers and unlock the door to your new home.
Don't let outdated systems hold you back. Embrace these flexible, modern solutions and take the first step toward homeownership today. Contact me to learn more about how we can help you navigate the mortgage process and secure the home of your dreams.

P.S. Would you be ready to get started? Call me, Tom Altieri, for a consultation and explore your mortgage options!

Beginning his career in real estate, Tom quickly excelled, earning his Real Estate broker's license. Then, after a decade of high-volume transactions, he transitioned to mortgage lending.
Tom became a top loan originator for the past 30 years and has owned New Jersey Mortgage Services for 20 years, providing tailored mortgage solutions and high-quality service to New Jersey borrowers.
Tom is devoted to providing personalized service to his clients. With his extensive industry knowledge, he has helped thousands of people navigate the complexities of the mortgage process. As the leader of New Jersey Mortgage Services, he has built a reputation as a trusted local expert who can find the best mortgage options to fit various financial needs.
Tom and his New Jersey Mortgage Services team are deeply committed to their client’s success. Whether you are purchasing your first home, upgrading, or refinancing, they work tirelessly to find the best mortgage solution for you. They aim to ensure a smooth and successful transaction tailored to your personal goals and circumstances.
This profile highlights Tom Altieri's extensive experience, leadership, and dedication to client satisfaction, positioning him as a trusted and skilled professional in the mortgage industry.


Contact Tom Altieri's mobile at 732-239-1642 or email tom@newjerseymortgageservices.com.