What steps are involved in the mortgage process?

The mortgage process begins with pre-approval, which typically takes one to two business days. Once you're under contract on a home, we move into underwriting, a phase that usually lasts two to three weeks. From contract to closing, the entire process generally takes 30 to 45 days, though we can expedite it if needed. You'll be kept informed every step of the way.

Can self-employed individuals qualify for a mortgage?

Absolutely! Self-employed individuals can qualify for a mortgage. We offer bank statement loans, which consider your deposit history instead of tax returns. If you have substantial savings, asset depletion programs might also be a great fit. We'll review your unique situation to find the best solution for you.

Can ITIN borrowers get a mortgage?

Yes, ITIN borrowers can get a mortgage. If you have an Individual Taxpayer Identification Number instead of a Social Security number, there are specific loan programs designed for you. Since ITIN mortgage guidelines differ by lender, working with a knowledgeable broker who partners with these lenders can make all the difference.

What are my loan options for buying a rental property?

For buying a rental property, DSCR (Debt Service Coverage Ratio) loans are a great option. These loans let you qualify based on the rental income the property generates, without needing W-2s or tax returns for most programs. I specialize in working with investors and can guide you through the numbers for your specific deal.

What steps are involved in the mortgage process?

The mortgage process begins with pre-approval, which typically takes one to two business days. Once you're under contract on a home, we move into underwriting, a phase that usually lasts two to three weeks. From contract to closing, the entire process generally takes 30 to 45 days, though we can expedite it if needed. You'll be kept informed every step of the way.

Can self-employed individuals qualify for a mortgage?

Absolutely. Self-employed individuals can qualify for a mortgage. We offer bank statement loans, which consider your deposit history instead of tax returns. If you have substantial savings, asset depletion programs might also be a great fit. We'll review your unique situation to find the best solution for you.

Can ITIN borrowers get a mortgage?

Yes, ITIN borrowers can get a mortgage. If you have an Individual Taxpayer Identification Number instead of a Social Security number, there are specific loan programs designed for you. Since ITIN mortgage guidelines differ by lender, working with a knowledgeable broker who partners with these lenders can make all the difference. Team Malik at RIZE Mortgage (NMLS #1542149) specializes in ITIN loans in New Jersey, Pennsylvania, and Florida.

What are my loan options for buying a rental property?

For buying a rental property, DSCR (Debt Service Coverage Ratio) loans are a great option. These loans let you qualify based on the rental income the property generates, without needing W-2s or tax returns for most programs. Team Malik specializes in DSCR loans for real estate investors in NJ, PA, and FL, with a minimum DSCR of 0.75.

Trusted mortgage advisor - calm, sharp, experienced.

Home Financing Made Simple — Know What You Qualify For in Minutes

Serving New Jersey, Pennsylvania, and Florida.
Clear guidance. Fast pre-qualification. No guesswork.

Check What You Qualify For

📞 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.

What Happens Next

The Malik Team Mortgage offers tailored solutions to meet your financial needs. From first-time buyers to refinancing, we guide you through every step with expertise and care.

Step 1: Take the 60-Second Quiz

Take our 60-second quiz — no credit pull, no commitment. Just answer a few quick questions about your goals and where you stand.

Step 2: Malik Calls You

Malik personally reviews your quiz and calls you within 24 hours. Not a call center. Not an assistant. Just Malik, ready to talk through your real options.

Step 3: Know Where You Stand

After your call, you'll know exactly what you qualify for, which loan type fits your situation, and what your next step is. No guesswork. No vague timelines.

Straightforward mortgage help - for the borrowers most lenders overlook.

Malik Shalmiyev The Malik Team Mortgage is a licensed Mortgage Loan Originator with Rize Mortgage, helping clients across NJ, PA, and FL navigate the home financing process with clarity and confidence.

Specializing in

First-time homebuyers who want clear, step-by-step guidance
Real estate investors who need speed and clean deal communication
Self-employed borrowers who need flexible documentation options
ITIN borrowers looking for a straightforward path to ownership

If you’ve been told “it’s complicated” or you’re not sure what you qualify for, I’ll break it down and show you the best route forward.

Not sure if you qualify? Let’s find out. A 15-minute call is usually all it takes to know where you stand.

Start Your Pre-Qualification

Why Work With Team Malik

Guided, Fast Pre-Approval

We provide a streamlined and efficient pre-approval process to get you closer to your dream home. Let us take the complexity out of mortgage approval, so you can focus on finding the perfect property.

Local, Hands-On Advice

Our local expertise allows us to offer personalized, hands-on advice tailored to your specific needs. We're committed to being by your side at every step of the mortgage process.

Investor-Friendly

Count on us to secure competitive rates and terms that work in your favor. We strive to deliver strong options for DSCR and investment property financing, award-winning service by finding the best mortgage solutions for you.

Trusted & Reliable

As a licensed and insured mortgage team, we prioritize your peace of mind. Choose us for a trustworthy and reliable mortgage experience.

“Eligibility varies based on credit, income, and program guidelines.”

What Our Clients Say

5

He's very professional, kind and very patient. Very helpful and knowledgeable!

Susana Saquipay

5

Very friendly and professional service, always do its best to keep customers happy, highly recommended .(A+++++++)

ZAINOO BABA

5

Malik is Very professional, easy to work with, highly recommended!

Benjamin Arabadzhi

5

Malik made the entire process smooth and stress-free. He kept us informed every step of the way!

David Rosenberg

5

As a self-employed borrower, I thought getting a mortgage would be impossible. Malik found me a bank statement loan that worked perfectly!

Maria Gonzalez

5

Malik helped me get an ITIN loan when no one else could. He knows his stuff and truly cares about his clients.

Alina Petrov

Frequently Asked Questions

General Questions

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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 and Pennsylvania and Florida.

53 NW 100th Ave, Plantation FL 33324

1199 Route 22 East, Mountainside, NJ, 07092, USA

malik@themalikteammortgage.com

609-933-1700