Mark Jost, Mortgage Broker Lender NMLS #150914

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Mark Jost, Mortgage Broker Lender NMLS #150914 At Heathrow Mortgage, our mission is to empower homebuyers and homeowners by providing personalized, transparent, and efficient mortgage solutions.

We strive to make the mortgage process seamless and stress-free, guiding our clients every step of the way. For over a decade, I’ve enjoyed helping many buyers realize the dream of home ownership. Purchasing a home can be one of the most important investments of your life and I have been honored to be a part of realizing this dream. My team and I bring over 30 years of experience to help. From an experienced homeowner to a first time home buyer, we are diligent to meet their current needs for financing. We have enjoyed working with a particular ‘niche’ offered by Fairway Independent Mortgage Corp. - Renovation loans! As well as FHA, Traditional Conventional, USDA/Rural Development and VA financing. I am licensed for Loan Origination in the states of:
TN #106906 AL #58224 KY TX #150914
–Mark Jost
– NMLS # 150914
–Fairway Independent Mortgage Corporation
–FIMC NMLS #2289
–Equal Housing Lender

10/08/2026

REALTORS: YOUR NEXT BUYER MAY NOT HAVE A W-2. THAT DOESN'T MEAN THEY CAN'T BUY A HOME!
That Uber driver, DoorDash worker, freelancer, or independent contractor may be more qualified to buy a home than you think!

🚗 Gig workers
💻 Freelancers
🔨 Independent contractors
💼 1099 earners
🏢 Self-employed business owners

Here's what every Realtor should know:
Traditional mortgage guidelines don't always work for buyers with nontraditional income.

That's where alternative mortgage programs come in!

✅ Bank Statement Loans – Qualify using 12 or 24 months of deposits

✅ 1099 Mortgage Programs – Alternative ways to document income

✅ Self-Employed Loan Solutions – Options for borrowers whose tax returns don't tell the whole story

✅ Purchase & Refinance Options

REALTORS: Before you tell a buyer they can't qualify, let's explore their options!

That buyer who was turned down by a traditional lender might still have a path to homeownership.

📍 Partnering with real estate agents throughout Tennessee, Alabama, and Florida.
🤝 Let's turn more of your challenging buyers into homeowners!

Mark Jost | Heathrow Mortgage

📩 Message me with a scenario. Let's see what's possible!

All loans subject to underwriting approval and program guidelines.

09/22/2026

🏡 SELF-EMPLOYED? Your tax returns don’t always tell the whole story.

For business owners, traditional mortgage guidelines can sometimes make qualifying difficult because tax deductions may reduce the income shown on tax returns.

That’s where a Business Bank Statement Loan can help.

Instead of relying solely on tax returns, we may be able to qualify borrowers using deposits from 12 or 24 months of business bank statements.

✅ Designed for self-employed borrowers
✅ Business bank statements used to document income
✅ Flexible expense factors based on the business
✅ Purchase, refinance & cash-out options
✅ Great alternative when tax returns don’t reflect true business cash flow

Realtors: Before assuming your self-employed buyer can’t qualify, give me a call. There may be another way to get the deal done.

Mark Jost | Heathrow Mortgage
Helping self-employed borrowers find smarter mortgage solutions.

Self-employed and getting told you don't qualify for a home loan?Traditional mortgage guidelines often rely heavily on t...
06/10/2026

Self-employed and getting told you don't qualify for a home loan?

Traditional mortgage guidelines often rely heavily on tax returns, which may not reflect the true strength of your business.

A Bank Statement Loan can help qualified self-employed borrowers use their actual cash flow instead of tax returns to qualify.

If you've been turned down before, there may be another path to homeownership.

Self-employed shouldn’t mean shut out of homeownership.Too many business owners show strong cash flow but get declined b...
05/21/2026

Self-employed shouldn’t mean shut out of homeownership.

Too many business owners show strong cash flow but get declined because traditional loan guidelines don’t tell the full story.

Bank statement and alternative income programs can help qualified borrowers use real deposits — not just tax return income — to qualify for a home loan.

Not every borrower fits inside a W2 box.Some have built real wealth… just not in the form of “monthly income.”That’s whe...
04/29/2026

Not every borrower fits inside a W2 box.
Some have built real wealth… just not in the form of “monthly income.”
That’s where Asset Qualifier mortgages come in.
No employment.
No income verification.
No tax return analysis.
Just assets.
If your client has substantial reserves—cash, investments, retirement funds—we can structure a loan based on what they have, not what they report.
🔹 Ideal for retirees
🔹 Business owners with variable income
🔹 High-net-worth borrowers between ventures
🔹 Clients living off investments
Instead of asking, “What do you make?”
We ask, “What do you have?”
And for the right borrower, that changes everything.
If you’re working with clients who look strong on paper everywhere except their tax returns, this is a solution worth knowing.

Traditional lending is built around one thing: debt-to-income ratio.If the numbers don’t line up on paper, the deal dies...
04/21/2026

Traditional lending is built around one thing: debt-to-income ratio.
If the numbers don’t line up on paper, the deal dies—regardless of the bigger picture.
That’s where No Ratio Loans change the game.
No income calculation.
No DTI requirement.
No tax return limitations.
Instead, approval is based on what actually matters:
✔ Credit strength
✔ Down payment
✔ Assets & reserves
This isn’t just for one type of borrower. It works for:
• Self-employed borrowers with heavy write-offs
• High-net-worth clients with strong assets
• Commission-based or variable income earners
• Borrowers between jobs or with non-traditional income
If the story makes sense but the numbers don’t fit the box, there’s still a path forward.
The deal isn’t dead… it just needs a different lane.

Self-Employed? There are a lot of qualified borrowers getting turned away simply because their tax strategy doesn’t fit ...
04/14/2026

Self-Employed? There are a lot of qualified borrowers getting turned away simply because their tax strategy doesn’t fit conventional residential lending guidelines.
If you are self-employed and being told “no”…
it might just mean you’re talking to the wrong lender.
Self-employed business owner. Strong revenue. Healthy cash flow.
But after aggressive tax write-offs, their reported income showed a 52% Debt to Income Ratio—too high for conventional financing.
Deal declined.
But here’s what the file actually showed:
✔ Consistent monthly deposits
✔ Growing business revenue year over year
✔ Strong credit (720 FICO)
✔ Significant reserves in the bank
The solution? Bank Statement Loan.
Instead of relying on tax returns, we used 12 months of business bank statements to calculate real income.
After applying a reasonable expense factor, their qualifying income increased significantly…
…and their DTI dropped to 43%.
Approved.
🏡 Loan Details:
• $875,000 purchase
• 80% LTV
• No tax returns required
• Closed in 24 days
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Gig income is real income. The problem? Traditional lending doesn’t treat it that way.Rideshare drivers. Freelancers. Co...
04/10/2026

Gig income is real income. The problem? Traditional lending doesn’t treat it that way.

Rideshare drivers. Freelancers. Contract workers. Delivery pros.
They’re earning consistently… but when it comes to qualifying for a mortgage, tax write-offs can make their income look far smaller than it actually is.

That’s where Bank Statement Loans change the game.

Instead of relying on tax returns, we qualify borrowers based on actual deposits hitting their accounts.

Here’s how it works:
• 12–24 months of bank statements used to calculate income
• Personal or business accounts accepted
• No tax return income required
• Flexible expense factors based on business type
• Designed specifically for self-employed & gig workers

If your client has strong cash flow but “low” taxable income, this is the solution conventional lending misses.

Real income. Real opportunity. Real approvals.

03/26/2026

Self- employed? Here is real scenario I see all the time:

✔ Successful business
✔ Strong monthly deposits
✔ Healthy credit
❌ Declined due to tax returns

Sound familiar?

Bank statement loans were built for this exact situation.

We shift the focus from what was written off… to what was actually earned.

That’s where deals get saved.

If you’ve got one like this sitting in your pipeline, don’t let it die there.

03/25/2026

Who actually benefits from bank statement loans in the Nashville area?

→ Business owners

→ Realtors & commission-based earners

→ 1099 borrowers

→ Freelancers & consultants - Gig employees

If income is inconsistent on paper but consistent in deposits…

This is where these deals get done.

Not every borrower fits inside agency guidelines.

That doesn’t mean they don’t qualify.

Address

1850 General George Patton Drive, Suite B209
Franklin, TN
37067

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

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