Independent professionals deserve independent solutions. If you work as a freelancer, consultant, or contractor, traditional mortgage requirements don’t always fit your income structure.
At Contour Mortgage, Tim and Liz Serratt specialize in programs that make qualifying straightforward for 1099 earners and self-contracted professionals. Whether you’re a designer, rideshare driver, real-estate agent, or gig-economy professional, we make it easier to turn your income into approval.
Programs include:
- 1099 Income Loans — Qualify using your 1099 forms instead of tax returns or pay stubs. Perfect for freelancers with strong annual earnings but non-traditional documentation.
- Employment Verification Options — In many cases, a simple employer or client letter confirming your work history and income may be all that’s required.
These flexible programs are built to recognize the evolving nature of work — empowering modern professionals to buy homes on their own terms.
Tim and Liz walk you through every step, ensuring a smooth process and transparent communication from application to closing.
Disclaimer: Non-QM (non-qualified mortgage) loans are designed for borrowers who may not meet standard agency or government guidelines. These loans may have higher interest rates, fees, down payment and reserve requirements than traditional conforming or government-insured loans and are not eligible for purchase or guarantee by Fannie Mae, Freddie Mac, FHA, VA, or USDA. Program terms, conditions, and availability are subject to change without notice. Not all applicants will qualify.
What our Clients say
Trusted by families across the Treasure Coast.
I wanted to take a moment to thank Tim Serrat and the Contour Mortgage Team for the excellent job they did leading to purchase of my new home in Satellite Beach. Tim did an outstanding job from day one. He got me the best finance rate, explained the entire process and walked me through every step of the way. Everything happened exactly like he promised with no surprises. Tim was super responsive answering calls and clarifying any questions. To top it off he connected me with the home insurance company that ended up providing the best quote and coverage I could find. I highly recommend Tim Serrat and Contour Mortgage to anyone looking to finance or re-finance their home.
From the very first meeting with Tim I could tell he truly listened and cared about my situation he made the whole process of applying for a mortgage seem pretty easy even though I’m a single mom and the last time I bought a house was 10 years ago! Everybody at Contour mortgage is kind and helpful so glad I trusted first Scott and Janice Reynolds to even believe it was possible and then Tim made it a reality!!! Thank you to Sarah my realtor she’s a sweetheart looking at houses can be exhausting but we did it together smiling even laughing sometimes at the process of trying to find the right house for me. I highly recommend Contour Mortgage excellent team!!
I recently relocated from New York to purchase a home in Vero Beach, and Tim Serratt from Contour Mortgage came highly recommended. I’m so glad I was connected with him — he was absolutely fantastic to work with from start to finish.
Tim has a calm, reassuring demeanor that immediately put me at ease. He is incredibly knowledgeable and walked me through every step of the mortgage process with patience and clarity. Buying a home from out of state can be stressful, but Tim truly held my hand throughout the entire journey and made everything feel manageable.
If you’re looking to purchase a home in Florida and want a mortgage professional who is both skilled and genuinely supportive, I highly recommend working with Tim.