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.
What our Clients say
Trusted by families across the Treasure Coast.
Tim and his team are the best! Would have not been able to close without him. I was working with a different company before him and there was a lack of communication with what was needed to close. Tim came in with a very short time frame and was very clear with what needed to happen for me to close. He made it happen fast and smoothly. Would recommend for everyone looking for a mortgage.
Tim was absolutely amazing figuring our mortgage out. It was such a stressful situation and the first lender denied us literally at the last minute! But Tim kept us calm and reassured us that it was gonna happen. And let me tell you he did it! He pulled a rabbit out of the hat and made some magic happen! I just cannot say enough about how pleased we are with Contour. Tim and his Wife Liz make an excellent team and even followed up with us when this stressful process was all done. You can tell they really care about their clients. We will definitely be only using them in our next mortgage!
Im a 25 year old Navy veteran going through college. My wife and I wanted a house to start building our family and Tim made ut all possible. He worked with us to fix our finances, and get us into our dream house. My family and I are extremely greatful for the work that Tim did and we are hoping that if anyone is in a similar situation in life and are too scared to try, you feel a little more comfortable with letting Tim help you.