Serving the Following Locations

about-img
about-img
About Us

STEP UP YOUR HOMEGAME

Brendan Kolesar has dedicated 21 years to the mortgage industry, and he can genuinely say that he has never been happier. His journey in this field is marked by continuous learning and growth. Despite the common assumption that two decades in the industry means having everything figured out, Brendan feels the exact opposite. He believes that there is always something new to learn from the people he surrounds himself with, keeping him passionate and engaged every single day.

Conventional Loans

Conventional Loans

A conventional loan is a mortgage that is not guaranteed or insured by any government agency such as FHA, VA, or USDA. Conventional loans are either conforming or non-conforming. Conforming mortgages are required to conform to underwriting guidelines and loan limits set by Fannie Mae or Freddie Mac, whereas non-conforming mortgages have loan amounts higher than the loan limits set by Fannie Mae / Freddie Mac.

Conventional Loans

FHA Loans

FHA loans are insured by the Federal Housing Administration and can be a great option for people who would normally find it difficult to qualify for a mortgage due to their income level, credit history, or their ability to put down a sufficient amount of down payment. For borrowers with a credit score of 580 or higher, these loans allow a down payment of just 3.5% of the total cost of the home. For those with a credit score between 500 and 579, a 10% down payment is required.

Conventional Loans

VA Loans

Guaranteed by the U.S. Department of Veteran Affairs, the VA loan program is designed to assist both current active duty military members and veterans achieve homeownership. Eligible borrowers for this program are allowed to borrow at a higher percentage of the home value and the loan is guaranteed by the government against default.

Conventional Loans

REFINANCE Loans

The process of refinancing a home means taking out a new loan to replace a current one. Homeowners who are currently paying off a home loan can apply and be approved for refinancing.

Conventional Loans

Jumbo Loans

Jumbo loans are used to finance homes with loans exceeding the loan limits set by government sponsored entities (GSEs). It is suitable for borrowers who want to buy luxury homes or refinance existing large mortgages. Jumbo loans allow you to have larger loans at a lower rate because it does not conform to the requirements set by Fannie Mae and Freddie Mac.

Conventional Loans

RENOVATION Loans

Designed for home rehabilitation purposes, FHA 203(k) loans can help pay for your home renovations. These loans are available both as a refinance and purchase. Thus, you can borrow against the equity in your home for home improvement and you can also get a single mortgage to finance both purchase and renovation of the home.

GAME-CHANGING STORIES

GET IN THE GAME WITH OUR TEAM