During our free consultation you will learn:
Calculations of mortgage payments and your purchase power
about the consultation
Available down payment assistance programs
Risks when applying for a mortgage
4 sources of down payment funds
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Book a free consultation
Personalized approach and guidance to pick the right mortgage for you on favorable terms.
Exclusive programs and lenders
We partner with over 40 different lenders across the nation. Most of these banks do not have a retail department and give us access to their programs at a “wholesale” level. This means that we can pass along the savings to our clients and offer competitive options that they may not be able to find on their own.
Minimum down payment options
I understand that downpayment is one of the challenges for a home buyer today, we have identified unique programs and organizations that are helping our clients with their downpayment and closing costs.
Consultations 24/7
Questions are answered by your personal concierge, who stays in touch at any time, even on weekends. In addition, you also receive expert support and guidance from Steve, our broker.
Free services
You pay absolutely nothing for my services — our commission is paid by the bank after the loan is issued.
For those who want to ensure a comfortable life in the USA
We have developed more than 10 strategies that are guaranteed to help recent immigrants with their first mortgage.
01
You work in the IT field, you have good income, but maybe work less than 2 years in the states, OR , your cash is stuck in company stocks.
02
You do not have enough cash for the down payment.
03
You are a hard working entrepreneur that is unable to secure a mortgage from your bank.
04
Tax season is around the corner, you don't know how to show your income correctly in order to qualify for programs with the best terms.
My name is Steve Tsvetkov and I am a licensed mortgage broker with over 11 years of experience helping clients finance their dreams and savings money on their mortgage payments.
My professional career started in Google, where I worked in IT/software, but, my desire to interact with people led me into the world of real estate.
My professional career started in Google, where I worked in IT/software, but, my desire to interact with people led me into the world of real estate.
Your personal mortgage broker
$1,000,000,000
Closed mortgage loans in my career
11 years
Successful career in mortgage lending
TOP 42
Mortgage brokers in the country
Free consultation
- Invest in real estate even with a low income
Get a dream home even with a low income
- A great start in a new country
- Passive rental income
- Build wealth through real estate
Not ready to buy today? We will help make a plan for you to make your dream a reality.
We will find a way to help, some lenders today can go as low as 500 credit rating, also, we can connect you with a credit repair specialist to improve your score.
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Book a free consultation
A credit score below 600 points?
We answer your questions
Find out the answers to the most common questions of our customers
A reverse mortgage is a way to get financing against your property while continuing to live in it. The debt is repaid when the home is sold. It is a convenient option for additional retirement income without the need for monthly payments.
The property must be residential, meet local building codes, and be in good condition. It is also important that the property can be appraised at market value.
Clients incur the following costs: down payment (if required), closing fees, real estate appraisal costs, insurance, and potential taxes. These costs may vary depending on the specific terms of the transaction.
Heirs can repay the debt by contacting the lender to inquire about the current status of the debt. In most cases, the debt can be repaid from the inherited assets that heirs receive after the borrower's death.
The debt is usually repaid in equal monthly installments over a set period of time, but options such as early repayment without penalty are available.
Services
Favorable terms for every borrower
Jumbo mortgage
Searching for a high-end property and need guidance about Jumbo loans? We will shop our wholesales banks and credit unions for the best terms with lowest interest rates for you
Mortgages for recent immigrants
Full guidance for those who recently moved to the USA and dream about owning their own home. We will select the best terms available to you, even with a low credit score.
Mortgage for retirees
For clients in retirement that have a mortgage or wish to explore obtaining a new mortgage for financial stability. We will explore all options available to you, even if your income has dramatically decreased while you enjoy your golden years.
Refinance options
Do you have a mortgage already ? Refinance can help lower payments, consolidate debt, plan for retirement, fund other purchases including, but not limited to a real estate purchase( for leisure or investment).
Enlist the professional support of a mortgage broker
Start the mortgage approval process with Steve Tsvetkov
