DuPont Lending Team

DuPont Lending Team Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from DuPont Lending Team, Mortgage brokers, 5559 S Sossaman Road, Bldg 1 Ste 101, Mesa, AZ.

Branch Address: 5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212
Company Website: www.duPontLending.com
Company State License #: AZ BK-2006218

Mortgage Purchase Loan
Mortgage Refinance Loan

06/08/2026

Have 1099 income and wondering if you can qualify for a mortgage?

Good news — you absolutely can.

Here’s how lenders typically calculate income for 1099 contractors:

They average your last 2 years of income.

Example:
Year 1: $80,000
Year 2: $90,000

Average income: $85,000 per year
Monthly qualifying income: $7,083

Tips to qualify easier:
• Show consistent or increasing income
• Keep business write-offs reasonable on tax returns
• Stay in the same industry for 2+ years
• Consider bank statement loans if you write off most of your income

Loan options for 1099 borrowers:
• Conventional loans
• Bank statement loans
• Asset depletion loans

Being self-employed or a contractor does not disqualify you from buying a home.

If you have 1099 income and want to see what you qualify for, feel free to message me.

NMLS #1767357

06/08/2026

Want to make the most out of refinancing your home? 🏡

It’s not just about getting a lower rate—it’s about timing it right and making smart financial moves.

✔️ Lock in low rates
✔️ Choose the right loan term
✔️ Use cash-out wisely

Small decisions today can lead to BIG savings tomorrow.

💬 When do you think is the best time to refinance?

06/08/2026

Thinking about refinancing your home? 🏡
Make sure you're not missing the BIG picture.

From hidden costs to break-even points, a small mistake could cost you thousands.

💡 Know your numbers. Check your credit. Avoid penalties.

👉 Have questions about refinancing? Drop them below!

06/08/2026

Self-employed and struggling to qualify for a mortgage because of your tax returns?

You’re not alone.

Many business owners write off expenses to reduce taxes — but that can make it harder to qualify for a traditional loan.

That’s where bank statement loans come in.

Instead of tax returns, lenders can use 12–24 months of bank statements to calculate your income.

Example:
If your business deposits average $20,000 per month, lenders may qualify you using $10,000 monthly income after applying an expense ratio.

Typical requirements:
• Self-employed 2+ years
• 680+ credit score
• 10–20% down payment
• Rates about 0.5–1% higher than conventional

You can write off expenses on taxes AND still qualify for a mortgage.

If you're self-employed and want to see what you qualify for, send me a message.

NMLS #1767357

06/08/2026

Bankruptcy doesn't mean your dream of owning a home is over.

Mike filed Chapter 7 bankruptcy and his credit score dropped to 480. He thought he'd never be able to buy a home again.

But he followed a plan:
• Waited 2 years
• Rebuilt his credit to 620
• Saved $12,000
• Got approved with an FHA loan (3.5% down)

Today he owns a 3-bedroom home and is building wealth again.

Bankruptcy isn't the end — sometimes it's just the reset button.

If you've had a bankruptcy and want to know when you can buy again, send me a message. I'm happy to help.

NMLS #1767357

06/08/2026

Refinancing isn’t just about lowering your rate—it’s about unlocking opportunities 💡

Here’s what it can do for you:
✔️ Lower your monthly payment
✔️ Help you pay off your home faster
✔️ Give you access to your home equity

⚠️ But don’t forget—there are costs involved, so always weigh the pros and cons

💬 Have you ever considered refinancing?

06/08/2026

Thinking about refinancing your mortgage? 🤔

Now might be the perfect time if:
📉 Interest rates are favorable
💰 You want to lower your monthly payments
🎯 You’re aligning with long-term financial goals

Refinancing isn’t just about rates—it’s about strategy.

💬 Do you think now’s a good time to refinance?

Self-employed borrowers aren’t excluded—you just need the right prep. Swipe for a simple checklist and how we clearly pr...
06/07/2026

Self-employed borrowers aren’t excluded—you just need the right prep. Swipe for a simple checklist and how we clearly present your income to the lender.

06/07/2026

Refinancing your mortgage? Don’t make these costly mistakes ⚠️

Here are 3 things that could cost you thousands:
❌ Ignoring closing costs
❌ Not checking your credit score
❌ Waiting too long to lock in a rate

A little preparation can make a BIG difference 💡

💬 Have you made any of these mistakes before?

06/07/2026

You could be missing out on thousands in savings by not refinancing 🤯

Here’s how refinancing can help you:
✔️ Lower your interest rate = lower monthly payments
✔️ Switch to a shorter loan term = less interest paid
✔️ Tap into your home equity for major expenses

The key? Knowing when and how to use these strategies.

💬 Have you ever considered refinancing?

Address

5559 S Sossaman Road, Bldg 1 Ste 101
Mesa, AZ
85212

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