Understand your mortgage options before you make your move.
Start with clear guidance for buying your first home in New Jersey, then explore investor, self-employed and ITIN mortgage options when they fit your situation.
📞 609-933-1700 | ⭐ 5.0 Google Rating | Licensed: NJ, PA & FL | NMLS #1542149
Malik Shalmiyev, Mortgage Loan Originator, NMLS #1542149
Rize Mortgage (Standard Mortgage Capital, LLC), NMLS #1604663
Equal Housing Lender
All loans subject to approval. Terms and conditions apply.
Quick Tip from Malik
Start With Your Situation
Choose the path that best matches your situation.
Explore conventional, FHA and approved assistance options.
Review traditional and alternative income-documentation options.
Understand DSCR and rental-property financing.
ITIN Borrower
Documentation
Learn about documentation and available mortgage programs.
Malik Shalmiyev
Mortgage Loan Originator • NMLS #1542149
Languages
English • Russian • Azeri
Borrower Focus
First-Time Buyers • Investors • Self-Employed • ITIN
Equal Housing Lender
What do you need help understanding?
Understand how income, debts, taxes, insurance and the loan program affect the payment.
How much home can I afford?
Review down payment, closing costs, reserves and other potential expenses.
How much cash will I need?
Compare major options based on property, occupancy, documentation and goals.
Which program may fit?
Prepare a clear checklist before starting the mortgage process.
What documents are needed?
MORTGAGE OPTIONS
Financing organized around the borrower—not jargon.
Understand financing paths, down payment and approved assistance options.
Review rental-property financing based on property cash flow and program guidelines.
Explore income-documentation options for eligible self-employed borrowers.
Learn about documentation and available mortgage programs for eligible ITIN borrowers.
A simple, transparent mortgage process
Guidance from the first conversation through closing.
1. Conversation
Talk through your goals, property plans and questions.
2. Document Review
Review income, assets, credit and other documentation that may apply.
3. Options and Application
Compare eligible loan paths, understand tradeoffs and complete the application.
4. Processing and Underwriting
Track conditions, verification, appraisal and underwriting review.
5. Closing — Review final figures, sign documents and prepare for funding.
MEET MALIK
Mortgage guidance that is clear, responsive and personal.
Malik Shalmiyev of The Malik Team Mortgage is a Mortgage Loan Originator serving New Jersey, Bucks and Montgomery Counties in Pennsylvania, and Florida. His focus is helping borrowers understand the numbers, documents and decisions before they move forward.
Languages: English, Russian, Azeri
Areas We Serve
Middlesex, Monmouth and selected New Jersey communities.
Bucks County, Montgomery County and Philadelphia-area borrowers.
Plantation, Fort Lauderdale and selected Florida markets.
Answers written the way borrowers actually ask
How much are closing costs when buying a home in New Jersey?
Can I qualify using bank statements instead of tax returns?
How does a DSCR loan work for a rental property?
Connect with Us
Reach out to us using the form below or give us a call to schedule a consultation. We proudly serve clients across New Jersey, Pennsylvania, and Florida.
53 NW 100th Ave, Plantation FL 33324
1199 Route 22 East, Mountainside, NJ, 07092, USA
609-933-1700