New Jersey mortgages for income tax returns miss

Self-employed, investing in rentals, or paid on 1099s? We match the loan to how you actually earn: bank statements, a profit and loss statement, 1099s, rental income or assets. Conventional, FHA and VA too.

Call 201-448-8588 Get a fast quote

Registered mortgage broker, licensed by the New Jersey Department of Banking and Insurance. NMLS #2246769.

How you earn decides how you qualify

A bank starts from your tax return. We start from how your money actually comes in, then find the program that documents it.

If you You can qualify with Program

Run your own business, and your deposits show your income better than your tax return Personal or business bank statements instead of tax returns Bank statement loan

Have a profit and loss statement prepared for your business A 1-year or 2-year P&L P&L loan

Work as an independent contractor paid on 1099s Your 1099 income, without complete tax returns 1099 only

Buy or refinance rental property, from your first one to a portfolio The property's rental cash flow, not your personal income DSCR loan

Hold real assets or equity, but have income that's hard to document Your assets and equity, with no income verification No income check

Don't have a Social Security number An Individual Taxpayer Identification Number (ITIN) ITIN home loan

Live outside the U.S. and want property in New Jersey Programs built for non-U.S. residents Foreign national loan

Own a home and want cash without refinancing your mortgage Your home equity, as a line of credit or a second mortgage HELOC

Serve as a veteran, first responder, teacher or healthcare worker Programs for public servants, including VA loans with up to 100% financing Hometown Heroes

Have a W-2 job and a straightforward file Standard income documents Conventional, FHA, VA

See all programs, including co-op, construction and commercial loans

From $75,000 to $25 million, with credit scores down to 500.

Primary residences, second homes, investment properties, mixed-use and commercial buildings. Limits and minimum scores vary by program.

Buying a home or a building

Residential or commercial, to live in or to rent out. Conventional, FHA and VA, every non-QM program, fix-and-flip and multifamily loans. Some programs reach 101.5% combined loan-to-value, with a 96.5% first mortgage and a 5% second.

Refinancing what you own

Lower the payment, shorten the term, consolidate debt or take cash out. We aren't tied to a single bank, so we compare programs and lenders, including DSCR refinances, bridge loans up to 75%, non-warrantable condos and co-ops.

Borrowing against your equity

A line of credit or a second mortgage, up to a $1 million loan, for any occupancy type. No-income, DSCR and bank statement options for files a bank would decline.

A New Jersey broker with a 21-state lender behind it

NewJerseyMortgages.com is a MortgageDepot company. MortgageDepot is headquartered in Kew Gardens, New York, and holds mortgage licenses in 21 states, including New Jersey.

Non-QM is our main focus, not a side menu: bank statement, P&L, asset-based, DSCR and no-income loans are the files we work on every day. As an independent broker we arrange loans with third-party lenders, which lets us compare programs for your situation instead of fitting you into one bank's rules.

More about us

Licensed by: New Jersey Department of Banking and Insurance
NMLS: #2246769
Backed by: MortgageDepot, licensed in 21 states
New Jersey office: 971 US-202, Branchburg

Tell us how you earn. We'll tell you how you can qualify.

Every file is different. A short call is the fastest way to see which program fits, and what it would take.

201-448-8588

Support@NewJerseyMortgages.com

971 US-202, Branchburg, NJ 08876 · Directions

Get a fast quote