When you’re self-employed, buying a home shouldn’t feel impossible—especially when you know the numbers better than your lender.
Jay, a seasoned real estate professional, found himself on the other side of the transaction for once. He was building his dream home from the ground up—watching every stage of construction with anticipation and pride. But when it came time to secure financing, things quickly became frustrating.
He didn’t need just any lender.
He needed someone who understood the self-employed hustle—and who could deliver under pressure.
When the Process Doesn’t Feel Right
Jay started with the builder’s in-house lender. And almost immediately, something felt off.
“I knew immediately they weren’t running the numbers right.”
As a 1099 earner, Jay knew the nuances of income documentation—but the lender didn’t. The process was generic, slow, and disjointed. He felt like a number in a system, not a valued client.
The Power of Having the Right People on Your Side
That’s when Jay turned to NEO Home Loans.
From the first call, the experience was different. The NEO team requested exactly what they needed, reviewed Jay’s unique income situation, and quickly recommended a bank statement loan that was better suited to his financial picture.
“They were battle-tested. Every challenge came with a plan. They just knew what to do.”
A Team That Moves With Purpose
What made the experience stand out? NEO Home Loans executed with precision:
- Documents were reviewed and submitted to underwriting early
- Communication was fast, clear, and proactive
- Coordination with the builder and title company was seamless
- Every question came with a confident answer and a clear next step
“It felt like they called in favors. Everything just worked.”
Finally Home—And Worth Every Step
Jay and his family closed on time. They spent their first weekend in their new home after watching it rise from the ground up.
“My wife got emotional. She couldn’t believe how smooth it all went.”
A Smarter Way to Borrow When You’re Self-Employed
Jay’s advice?
“Explore every option. NEO has access to so many products, from traditional loans to flexible solutions like bank statement programs. They’ll help you find the one that fits.”
If you’re self-employed, knowing your numbers is important—but working with a team that knows how to use them is what makes all the difference.
Why Jay Recommends NEO—Without Hesitation
“Ten out of ten. When it comes to your biggest financial decision, you need someone who knows what they’re doing. That’s what I got with NEO.”
Ready to Find the Loan That Actually Works for You?
Whether you’re building, buying, or navigating life as a 1099 earner, your mortgage strategy should be tailored—not templated.
