Your Source For Best Home Loans

Swift Online Loan Application

Lowest Interest Rates

No Hidden Costs

Apply Now!

Your NEW Home is Waiting
Contact Me Today

Whether you are consolidating your debt, refinancing your home, or buying your first house, I am here to help you all the way.

Contact Now!

Not Just a Loan... The Right Loan for You!

Whether you want to apply for a home loan or refinance your mortgage, my expert advice can guide you through the process.

Contact Now!

Get Approved for Your Dream Home Mortgage—Stress-Free!

With over 25 years of experience as a Mortgage Expert and Licensed Realtor, I’ll guide you every step of the way to save time, money, and hassle.

Schedule Your Free Consultation Today! Get Approved Now!
Edward Kalavitz, Mortgage Expert and Licensed Realtor

Edward Kalavitz

Why Work With Me?

"Homebuyers who work with me are 3x more likely to get approved on their first try and save an average of $5,000 over the life of their loan."

"With over 25 years of experience in the mortgage industry and 10 years as a Licensed Realtor, I’ve helped hundreds of clients buy, refinance, or downsize with confidence."

"As both a Mortgage Expert and Realtor, I offer a seamless experience. I will not only help you secure the best mortgage but also provide expert advice on finding the right home."

Find the Right Home Loan

Find the Perfect Loan for Your Needs

Don’t let confusion about loan types hold you back. Here’s a quick breakdown of your options—and how I can help you choose the best one.

  • Conventional Loan: Only 3% down payment required. Ideal for buyers with strong credit and stable income.
  • FHA Loan: Just 3.5% down payment and more flexible credit requirements. Perfect for first-time homebuyers.
  • USDA Loan: 0% down payment! Designed for buyers in eligible rural areas who want to keep cash in their pocket.
  • Refinancing: Lower your monthly payments, reduce your interest rate, or shorten your loan term. Let me show you how refinancing can save you money.
Not sure which loan is right for you? Let’s talk!

Your Roadmap to Loan Approval: Simple Steps and Documents You’ll Need

Getting approved for a mortgage doesn’t have to be overwhelming. Here’s a clear breakdown of the steps we’ll take together and the documents you’ll need to get started.

Step 1: Schedule Your Free Consultation

We’ll discuss your goals, budget, and timeline. I’ll explain the loan options that best fit your needs.

Step 2: Gather Your Documents

  • Proof of Income: Recent pay stubs, W-2 forms, or tax returns (if self-employed).
  • Proof of Assets: Bank statements, investment account statements, etc.
  • Credit Information: I’ll pull your credit report, but it’s helpful to know your credit score upfront.
  • Identification: Government-issued ID and Social Security number.
  • Employment Verification: Contact information for your employer(s).
  • Additional Documents: Divorce decrees, gift letters, rental history (if applicable).

Step 3: Pre-Approval

I’ll review your documents and provide a pre-approval letter to strengthen your offer.

Step 4: Home Search & Offer (Optional)

If you need help finding a home, I’ll guide you through the process as your Realtor.

Step 5: Final Approval & Closing

I’ll handle the details so you can focus on finding your dream home.

Ready to get started? Schedule your free consultation today!
Home Consultation Process

I Help People Just Like You Achieve Their Homeownership Goals

First-Time Homebuyers: Don’t let confusion or fear hold you back. I’ll explain everything you need to know to buy your first home with confidence.

Homeowners Refinancing: Lower your monthly payments, reduce your interest rate, or shorten your loan term. Let me show you how refinancing can save you money.

Downsizing Buyers: Ready to simplify your life? I’ll help you leverage your equity to buy a smaller, more manageable home.

The Simple Path to Mortgage Approval

Step 1: Schedule Your Free Consultation

We’ll discuss your goals and review your financial situation.

Step 2: Get a Custom Plan

I’ll create a personalized roadmap to improve your credit score, gather your documents, and choose the right loan program.

Step 3: Get Approved and Close

I’ll handle the details so you can focus on finding your dream home.

Steps to Mortgage Approval

What My Clients Are Saying

Jen H., satisfied client

Jen H.

"Edward went above and beyond at every step. Not only did he secure me an excellent mortgage rate, but as a Licensed Realtor, he also helped me find a beautiful 3-bedroom home in my dream neighborhood - all within my budget!"

"From start to finish, the entire process was incredibly smooth and stress-free. Edward handled all the paperwork, coordinated with all parties, and kept me informed every step of the way. I couldn't be happier with the service!"

Mike S., satisfied client

Mike S.

"Edward found creative financing options that other lenders hadn't even considered. His innovative approach saved me thousands."

"Edward processed my mortgage application in record time and kept me informed every step of the way. Closing happened exactly on schedule."

Ronald T., satisfied client

Ronald T.

"Edward's deep knowledge of the mortgage industry and market trends helped us make informed decisions. His insights into different loan options and interest rate strategies were truly invaluable during our home buying journey."

"Thanks to Edward's expert advice on financing structure and timing, we've seen significant positive change in our monthly payments and overall financial health. His guidance has set us up for long-term success."

Ready to Take the Next Step?

Don’t navigate the mortgage process alone. Let’s work together to get you approved and into your dream home. Whether you’re buying, refinancing, or downsizing, I’m here to help.

Schedule Your Free Consultation Today! Get Approved Now!