About Malik Shalmiyev — Licensed NJ Mortgage Loan Officer (NMLS #1542149)

Malik Shalmiyev is a licensed Mortgage Loan Originator (NMLS #1542149) with Rize Mortgage (Standard Mortgage Capital, LLC, NMLS #1604663), serving homebuyers and real estate investors across New Jersey, Pennsylvania, and Florida.

He specializes in mortgage solutions for borrowers who fall outside the conventional lending box — including self-employed borrowers, real estate investors, ITIN holders, and first-time homebuyers navigating the NJ market for the first time.

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Credentials & Licensing

• Full Name: Malik Shalmiyev

• NMLS ID: #1542149

• Company: Rize Mortgage (Standard Mortgage Capital, LLC) | NMLS #1604663

• Licensed States: New Jersey, Pennsylvania, Florida

• NJ Office: 1199 Route 22 East, Mountainside, NJ 07092

• FL Office: 53 NW 100th Ave, Plantation, FL 33324

• Languages: English, Russian, Azerbaijani (Azeri)

• Equal Housing Lender

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Loan Specializations

DSCR Loans — Real Estate Investors

DSCR (Debt Service Coverage Ratio) loans allow real estate investors to qualify based on rental property cash flow — without W-2s, tax returns, or personal income documentation. Malik works with investors purchasing single-family rentals, 2–4 unit properties, and short-term rentals across NJ, PA, and FL.

ITIN Loans — No Social Security Number Required

ITIN mortgage loans serve borrowers who have an Individual Taxpayer Identification Number but not a Social Security number. Malik specializes in this lending category and serves the diverse immigrant communities of northern and central New Jersey, including Newark, Elizabeth, Paterson, Passaic, and Hudson County.

Bank Statement Loans — Self-Employed Borrowers

Bank statement loans allow self-employed borrowers to qualify using 12 or 24 months of bank deposits — not tax returns. This is one of the most powerful tools for business owners, freelancers, and contractors who maximize business deductions and show lower income on their Schedule C than they actually deposit each month.

FHA Loans — First-Time Homebuyers

FHA loans are government-backed mortgages with low down payment requirements (as low as 3.5%) and flexible credit guidelines, making them one of the most accessible programs for first-time homebuyers in New Jersey, Pennsylvania, and Florida.

Additional Programs

• Conventional Loans (Fannie Mae / Freddie Mac)

• Asset Depletion Loans

• VA Loans (U.S. veterans and active-duty military)

• USDA Loans (rural property purchases)

• Jumbo Loans

• Construction Loans

• Doctor Loans / Physician Mortgages

• Down Payment Assistance Programs in NJ, PA, and FL

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Markets Served

New Jersey

Northern NJ (Hudson, Essex, Union, Bergen, Passaic Counties), Central NJ (Middlesex, Monmouth, Mercer Counties), and statewide. Key communities include Newark, Jersey City, Elizabeth, Paterson, Trenton, Hoboken, and Edison.

Pennsylvania

Primarily Bucks County and Montgomery County (suburban Philadelphia). Key communities include Doylestown, Langhorne, Blue Bell, Lansdale, and the SEPTA commuter rail corridor.

Florida

Primarily South Florida, including Plantation, Fort Lauderdale, Miami, and Broward County.

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Why Borrowers Choose Malik

Multilingual Service

Malik speaks English, Russian, and Azerbaijani (Azeri). This is a significant differentiator in the diverse NJ/NY metro area, where a substantial portion of ITIN borrowers, immigrant homebuyers, and Eastern European community members prefer to discuss mortgage options in their native language.

Non-QM Specialization

The majority of Malik's practice focuses on non-QM loan programs — DSCR, ITIN, bank statement, and asset depletion loans. Borrowers benefit from working with a loan officer who closes these deals routinely, not occasionally.

Clear, Honest Communication

Malik's clients consistently describe the experience as stress-free. He explains the process in plain language, sets realistic expectations, and keeps clients informed at every stage of the transaction.

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Frequently Asked Questions

What states is Malik Shalmiyev licensed in?

Malik Shalmiyev is licensed as a Mortgage Loan Originator in New Jersey, Pennsylvania, and Florida. His NMLS ID is #1542149. Verify at nmlsconsumeraccess.org.

Does Malik Shalmiyev specialize in ITIN loans?

Yes. ITIN mortgage loans are one of Malik's core specializations. He works with ITIN borrowers in northern and central New Jersey, where there are large immigrant communities across Hudson, Essex, Passaic, Union, and Middlesex Counties.

Does Malik do DSCR loans for real estate investors?

Yes. DSCR loans are another of Malik's primary loan types. He works with real estate investors purchasing rental properties in New Jersey, Pennsylvania, and Florida, and has access to multiple DSCR lending programs.

What languages does Malik Shalmiyev speak?

Malik speaks English, Russian, and Azerbaijani (Azeri). He regularly serves clients from Eastern European and Azerbaijani communities in New Jersey.

What company does Malik Shalmiyev work for?

Malik Shalmiyev is a Mortgage Loan Originator with Rize Mortgage (Standard Mortgage Capital, LLC, NMLS #1604663). Rize Mortgage operates in New Jersey, Pennsylvania, Florida, and multiple other states.

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Contact

📞 609-933-1700

✉️ info@malikteammortgage.com

🌐 themalikteammortgage.com

NJ Office: 1199 Route 22 East, Mountainside, NJ 07092

FL Office: 53 NW 100th Ave, Plantation, FL 33324

All loans subject to approval. Rates and terms subject to change. Equal Housing Lender.