Unlock the Right Mortgage
for Your Next Property
PA & NJ Mortgage Broker for Self-Employed, Investors & First-Time Buyers
Specializing in self-employed borrowers, first-time buyers, and Poconos investors in Pennsylvania & New Jersey — with programs that work the way your finances actually do.
Secure online application · Takes about 5–10 minutes · No obligation.
From first call to closing day—a proven process built for self-employed borrowers, first-time buyers, and PA & NJ investors.
We start with a 15-minute conversation to understand your situation—whether you're self-employed, a first-time buyer, or an investor eyeing Poconos rentals. No jargon, no pressure, just clarity.
Fill out our secure online application in 5–10 minutes—no obligation. We review your information, match you to the best program (bank statement, DSCR, FHA, or conventional), and deliver a solid pre-approval fast.
We guide you through every step to the closing table with zero surprises. And we don't disappear after closing—we're your long-term mortgage advisor in Pennsylvania and New Jersey.
Prefer a conversation first? Book a free 15-minute discovery call
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Getting a mortgage is much easier when you know exactly where your credit, debts, and savings stand. That's why Property Loan Wizard gives you free access to our Key Steps app, powered by FinLocker, to help you get truly mortgage-ready. The app lets you track your credit score, monitor your savings toward down payment and closing costs, and see a simple snapshot of how ready you are to buy.
Whether you're self-employed, a first-time buyer, or a Poconos investor, the Key Steps app keeps everything in one place so you can move from "thinking about it" to "ready to apply" with confidence.
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From self-employed mortgage PA NJ solutions to Poconos DSCR loans and first-time buyer programs—we have the right fit for your situation.
No tax returns needed. Your cash flow is the qualifier.
Let the rental income do the qualifying.
Low down payment, flexible credit—your path starts here.
Full-spectrum lending for every qualified borrower.
Not sure which program fits you? Take the 60-Second Mortgage Quiz and find out instantly.
Take the 60-Second Mortgage QuizReady now? Skip ahead and complete the full application
From the Poconos to Philadelphia to suburban New Jersey—our Pennsylvania and New Jersey mortgage broker team brings local expertise to every loan.
Serving Philadelphia homebuyers and investors with competitive Pennsylvania mortgage broker programs. Whether you're purchasing a row home in South Philly or a multi-unit in Fishtown, our self-employed and conventional loan options are built for the Philly market.
The Poconos is one of the top short-term rental markets in the Northeast, and we specialize in Poconos investment property loans. Our DSCR loan programs let rental income do the qualifying—no W-2s or personal income docs required. Close fast and cash-flow immediately.
Allentown and the Lehigh Valley are booming for first-time buyers and self-employed professionals. We offer first-time home buyer programs in Pennsylvania including FHA loans, down payment assistance, and bank statement loans for business owners throughout the region.
As a licensed New Jersey mortgage broker, we serve Newark, Jersey City, and surrounding urban markets with FHA, conventional, and self-employed mortgage NJ programs. High property values here demand an experienced broker who can navigate complex loan scenarios.
From Cherry Hill to Morristown to Princeton, suburban NJ buyers face competitive markets and diverse financing needs. We offer first-time home buyer mortgage programs in New Jersey, DSCR loans in Pennsylvania and New Jersey, and bank statement loans for self-employed NJ borrowers.
Our office is located at 2000 Route 209 in Brodheadsville, PA—right in the heart of Monroe County and minutes from the Poconos. We proudly serve local buyers, move-up buyers, and investors across all of Monroe County with personalized, face-to-face mortgage guidance.
Licensed in Pennsylvania and New Jersey. We work with borrowers statewide—not just the markets listed above.
View all areas with local loan detailsReal borrowers. Real approvals. Real homes—across Pennsylvania and New Jersey.
“We ran our own catering business for 7 years and every bank turned us down because of how we write off expenses. Property Loan Wizard looked at our actual bank statements and had us pre-approved in 48 hours. We closed on our dream home in Allentown in 28 days.”
Marcus & Daniela Rivera
Allentown, PA · Self-employed buyer approved via bank statement review
“I was buying my third short-term rental in the Poconos and needed a DSCR loan fast. Most lenders were slow and confusing. Property Loan Wizard structured the deal around the property's rental income, not my tax returns, and we closed in exactly 30 days. The cash flow math worked perfectly.”
James T.
Philadelphia, PA · Poconos investor closed DSCR loan in 30 days
“We had no idea where to start as first-time home buyers in New Jersey. Gregory walked us through every single step, explained the FHA process in plain English, and helped us qualify for a down payment assistance program we didn't even know existed. We are homeowners now!”
Sofia & Kevin Park
Cherry Hill, NJ · First-time buyers closed with 3.5% FHA down payment
Getting a mortgage when you're self-employed doesn't have to be confusing. This toolkit gives you a clear checklist, a plain-English income documentation guide, and lender-ready tips so you walk into your first conversation with confidence—not frustration.
Self-Employed Income Checklist
Know exactly which documents lenders want before you apply.
Income Documentation Guide
Step-by-step bank statement, 1099, and P&L prep guide.
Lender-Ready Tips
Avoid the top 7 mistakes self-employed buyers make.
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Ready now? Skip ahead and complete the full application
Straight answers about self-employed mortgages, Poconos DSCR loans, and first-time home buyer programs in Pennsylvania and New Jersey.
Absolutely — self-employed mortgage PA NJ programs are our core specialty. We verify income using 12 or 24 months of personal or business bank statements instead of W-2s or tax returns, so your write-offs work for you, not against you. Whether you're a freelancer, consultant, business owner, or 1099 contractor, we have a program built around the way your income actually flows.
Still have questions? Book a free 15-minute call or start your application now.
Whether you're self-employed, buying your first home in Pennsylvania, or investing in a Poconos rental property—let's build your loan strategy together.
No obligation & no hard credit pull required for your initial review.