LICENSED CPA + MORTGAGE ADVISOR
Most Loan Officers Look At Your Tax Return. I Know What It Actually Means.
As a licensed CPA with Big 4 accounting experience, I help self-employed business owners in Nevada, Utah, and Alaska qualify for the mortgage they actually deserve — not just what their tax return shows on the surface.
The Power Of Experience
Getting a Mortgage Shouldn't Feel Like a Penalty
There is a better way.
Your Write-Offs Can Work Against You.
The same deductions that lower your tax bill make your income look smaller to mortgage lenders. Most loan officers don't know how to understand it.
Lenders Don't Understand Your Income.
K-1s, Schedule C, self-employment income fluctuation — most loan officers aren't equipped to explain your situation to underwriting.
You've Been Told No Before.
A lender with no accounting background struggles to properly present your case. The result? Unnecessary denials for borrowers who absolutely qualify.
WHY CARLISLE MORTGAGE IS DIFFERENT
A Loan Officer Who Speaks Your Language
Before I was a mortgage advisor, I was a CPA working at KPMG — one of the largest accounting firms in the world — auditing financial statements and understanding exactly how business income is structured.
That background changes everything about how I approach your mortgage. I don't just read your tax return — I work to understand why it looks the way it does, and how to present your real financial picture to underwriting.
For self-employed borrowers, that difference can be the gap between an approval and a denial.
BIG 4 ACCOUNTING
KPMG Experience
CREDENTIALS
CPA License Since 2019
INDUSTRY FOCUS
Mortgage License Since 2020
Getting Your Mortgage Is Simpler Than You Think
01
Book a Strategy Call
We review your income structure, your goals, and identify the right loan program for your situation. No pressure, no obligation.
02
We Build Your File
I use my accounting background to present your income the right way to underwriting — maximizing your qualifying income and your chances of approval.
03
You Close With Confidence
From application to closing, you'll know exactly where things stand. Clear communication, no surprises.
Mortgage Solutions Built For How You Earn
Whether you file a traditional return or run a complex business, there's a program designed for your situation.
Bank Statement Loans
Qualify using 12-24 months of bank deposits instead of tax returns
1099 Loans
Built for independent contractors and freelancers with 1099 income
DSCR Loans
Investment property loans based on rental cash flow, not personal income
Conventional Loans
Traditional financing with competitive rates for qualifying borrowers
FHA Loans
Low down payment options for first-time and qualifying buyers
VA Loans
Exclusive benefits for veterans and active-duty military
DON'T TAKE OUR WORD FOR IT
Results That Speak Volumes
Reviews from real clients across Nevada, Utah, and Alaska.
Serving Borrowers Across Three States
NEVADA
License #81113
Henderson, Las Vegas, Reno & beyond
UTAH
License #6772871
Salt Lake City, Provo, St. George & beyond
ALASKA
License #AKMLO-1931543
Anchorage, Fairbanks, Juneau & beyond
ESPECIALLY FOR SELF-EMPLOYED BORROWERS
Your Questions, Answered
Still have a specific scenario you want to run by me? Let's connect and review your income structure together.
Can self-employed borrowers qualify for a mortgage?
Yes — and often more easily than they expect. The key is working with a loan officer who understands how self-employment income is structured. As a licensed CPA, Jared Carlisle knows how to properly analyze and present your income to underwriting, including income from Schedule C, K-1s, and business bank statements.
What is a bank statement loan and who is it for?
A bank statement loan allows self-employed borrowers to qualify using 12-24 months of personal or business bank deposits instead of tax returns. This is ideal for business owners whose tax returns show lower income due to write-offs but whose actual cash flow is strong.
Do my tax write-offs hurt my chances of getting a mortgage?
With a traditional loan and a standard loan officer, yes. Write-offs reduce your taxable income — which is what most lenders use to qualify you. However, with programs like bank statement loans, or with a loan officer who knows how to properly calculate self-employment income, your write-offs don't have to work against you.
What is a DSCR loan?
A Debt Service Coverage Ratio (DSCR) loan is designed for real estate investors. Instead of using your personal income to qualify, the loan is based on the property's rental income relative to its debt payments. Jared offers DSCR loans in Nevada, Utah, and Alaska.
Do you work with 1099 contractors and freelancers?
Yes. 1099 income mortgage loans are specifically designed for independent contractors, gig workers, and freelancers who don't receive a traditional W-2. Jared can help you navigate income documentation and find the right program.
What states do you lend in?
Jared Carlisle is licensed to originate mortgage loans in Nevada (License #81113), Utah (License #6772871), and Alaska (License #AKMLO-1931543).
Let's Talk About Your Situation
A 20-minute strategy call could change the outcome of your mortgage entirely. No pressure, no obligation - just clarity.
State Licenses
AK #AKMLO-1931543
UT #6772871
NV #81113
