Going through the process of obtaining a mortgage loan can be stressful, arduous and downright not fun. But it doesn't have to be. I work a little different. I offer a personal touch that is lost in today's busy world. I'm not a salesman, I'm a loan originator. Most loan officers spend their time finding clients but the actual process gets put in the hands of a processor or even several processors.
When I handle someone's mortgage loan I'm the loan officer and processor. I'm the one that cares and I handle every part of the transaction from the first introduction to the day the loan closes. Timing is everything in this process and making sure everything gets done when it's supposed to is key. I want to know that my client's loan is done right and I want to be involved in every step.
I'm a perfectionist. I work fast to make sure your home loan is closed on or before the closing date and is as painless as possible. I want to put my fifteen years of knowledge to work for you and make sure you're happy.
When I handle someone's mortgage loan I'm the loan officer and processor. I'm the one that cares and I handle every part of the transaction from the first introduction to the day the loan closes. Timing is everything in this process and making sure everything gets done when it's supposed to is key. I want to know that my client's loan is done right and I want to be involved in every step.
I'm a perfectionist. I work fast to make sure your home loan is closed on or before the closing date and is as painless as possible. I want to put my fifteen years of knowledge to work for you and make sure you're happy.
Services
My name is Josh Kostelyk and my official title is Mortgage Loan originator, which sounds a little stuffy.
In short, I help people buy homes and refinance homes by securing top of the line mortgage products that meet their specific needs while saving them time and money.
I'm an independent broker with direct connections to a multitude of lending institutions.
These mortgage products also come with my outstanding customer service, included at no extra charge, on every transaction!
If you're in need of a home loan you're in the right place.
In short, I help people buy homes and refinance homes by securing top of the line mortgage products that meet their specific needs while saving them time and money.
I'm an independent broker with direct connections to a multitude of lending institutions.
These mortgage products also come with my outstanding customer service, included at no extra charge, on every transaction!
If you're in need of a home loan you're in the right place.
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All City Mortgage, LLC strives to ensure that its services are accessible to people with disabilities.
All City Mortgage, LLC has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Thank you for your cooperation.
All City Mortgage, LLC strives to ensure that its services are accessible to people with disabilities.
All City Mortgage, LLC has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Applying for a mortgage can seem like a daunting and scary process.
To help, we've created a checklist of things for you to compile, complete and acknowledge before applying.
Credit history is a recorded file of past and current credit that is utilized to compile a credit score.
A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
An appraisal is an estimate of a property's fair market value and is required by a lender to ensure the loan amount is not more than the property value.
To help, we've created a checklist of things for you to compile, complete and acknowledge before applying.
Credit history is a recorded file of past and current credit that is utilized to compile a credit score.
A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
An appraisal is an estimate of a property's fair market value and is required by a lender to ensure the loan amount is not more than the property value.
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them.
Luckily we're here to help you choose the best type of home loan for your needs.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-i.
Luckily we're here to help you choose the best type of home loan for your needs.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-i.
The first step in obtaining a loan is to determine how much money you can borrow.
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
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