The Orlicki Group is inspiring much needed change in residential financing. We focus on relationships, which are the cornerstone of life. It's an honor to serve our clients and partners in the most important financial decision of their lives. In the complex and fast paced world of mortgages my team and I provide our customers and realtors with an easy, enjoyable and affordable mortgage experience from their first phone call to the closing table.
Whether you're looking to buy your first home, purchase a new vacation home, secure a property for investment, or restructure your mortgage, we have the experience, expertise, and personal touch to bring it all together. With over 17 years experience in the mortgage and real estate market, I've developed an invaluable network of competitive lenders to help you find the best possible mortgage for your financial situation.
My team and I serve the states of Florida and Pennsylvania. I always make sure my clients understand their full range of options before they buy or refi.
Whether you're looking to buy your first home, purchase a new vacation home, secure a property for investment, or restructure your mortgage, we have the experience, expertise, and personal touch to bring it all together. With over 17 years experience in the mortgage and real estate market, I've developed an invaluable network of competitive lenders to help you find the best possible mortgage for your financial situation.
My team and I serve the states of Florida and Pennsylvania. I always make sure my clients understand their full range of options before they buy or refi.
Services
Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling.
We're excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.
All mortgage loans arranged with third party providers.
This site is not authorized by New York State Department of Financial Services.
We're excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.
All mortgage loans arranged with third party providers.
This site is not authorized by New York State Department of Financial Services.
The first step in the mortgage process is the documentation stage, where we review your income, assets, employment history, and other compensating factors to determine your ability to repay a mortgage loan.
This is also an opportunity for you to examine the overall financial impact that a new mortgage will have on your total monthly budget, so that you can choose a loan amount and mortgage program that you are most comfortable with.
Our goal is to obtain a speedy approval.
The more thorough you are in preparing your paperwork, the faster we can move together on getting your loan approved and funded.
This is also an opportunity for you to examine the overall financial impact that a new mortgage will have on your total monthly budget, so that you can choose a loan amount and mortgage program that you are most comfortable with.
Our goal is to obtain a speedy approval.
The more thorough you are in preparing your paperwork, the faster we can move together on getting your loan approved and funded.
A critical component to buying a home is the appraisal.
An appraisal is a third-party professional evaluation of the value of a property that is used to help determine the amount of a loan.
In compliance with government regulation, appraisers hired for a mortgage transaction on a conforming loan are chosen from a pool of qualified appraisers at random.
Neither the borrower nor lender have the flexibility of deciding which appraiser will inspect your home.
Please feel free to contact us at any time if you have any questions about your loan status or next steps in the process.
An appraisal is a third-party professional evaluation of the value of a property that is used to help determine the amount of a loan.
In compliance with government regulation, appraisers hired for a mortgage transaction on a conforming loan are chosen from a pool of qualified appraisers at random.
Neither the borrower nor lender have the flexibility of deciding which appraiser will inspect your home.
Please feel free to contact us at any time if you have any questions about your loan status or next steps in the process.
As soon as your purchase offer has been accepted by the seller, the clock starts ticking on a number of tasks that have to be completed within the "due-diligence" period, a timeline detailed in the purchase contract.
A full underwritten approval by the lender, an appraisal, and home inspections (depending on the loan type and contract) are the first three major requirements that need to be met when purchasing a home.
Please feel free to contact us at any time if you have any questions about your loan status or next steps in the process.
A full underwritten approval by the lender, an appraisal, and home inspections (depending on the loan type and contract) are the first three major requirements that need to be met when purchasing a home.
Please feel free to contact us at any time if you have any questions about your loan status or next steps in the process.
The "Conditional Approval" milestone is an important step in the purchase loan process because is means that an underwriter has reviewed your complete file and is giving us a list of final documentation to submit prior to closing.
While we handle most of the steps at this stage of the process, we ask that you keep your financial documents handy in case we need them.
That's about it!
Just remember not to make any major changes to your finances, such as large purchases or new lines of credit.
This is great time to start planning for any utilities and services you may need to set up, as well as the physical move itself.
While we handle most of the steps at this stage of the process, we ask that you keep your financial documents handy in case we need them.
That's about it!
Just remember not to make any major changes to your finances, such as large purchases or new lines of credit.
This is great time to start planning for any utilities and services you may need to set up, as well as the physical move itself.
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