David Krolikowski, Mortgage Loan Originator at Homebridge Financial

Picture this: You're walking through the store taking care of some early holiday shopping, and you see the perfect gift for YOURSELF. Now, you're faced with the ultimatum of buying the perfect gift for yourself or purchasing the other items you've picked up for everyone else. The truth is, you don't have to choose! A can give you power over that choice. HELOC funds can be put towards all of those gifts, including yours! Reach out to me today and let's see if you qualify!

Winter weather is almost here! Now may be a good time to get your home in tip-top shape for what's to come! Leaky roof? Old plumbing? A may be the answer you're looking for to fund all your winter prep home projects. Send me a DM, and we can discuss how much you may qualify for. The best part? Funding can even happen in as few as 5 days! Let's get you ready for winter!

I'm taking a poll. Which candy tastes worse, candy corn or black licorice? Tell me your vote below! I have a feeling this is going to be a close call! ⚖

There are a lot of things you can do alone. Driving a car. 🚙 Grocery shopping 🛒. Even traveling ✈. But there are some things you shouldn't do alone, and that includes securing funds for your new home. The loan process can get very tricky, and not in a good way. It's my job to help you navigate the process and understand exactly what's going on the entire time. Reach out to me!

Everyone knows the ABC's of Halloween; A is for Attics. B is for Bats. C is for Candy Corn. But what about the ABCs of Mortgage? A is for Adjustment Date. B is for Balloon Mortgage. C is for Change Frequency. You're bound to come across terms you aren't familiar with during your loan process. You can always ask me, but you can also view the loan glossary Homebridge has created! Click the link to check it out! https://homebrid.ge/2M6ebla

Mortgage Glossary Browse our user-friendly glossary of mortgage terms. Finally those obscure words are clearly explained.

Are you someone who had to close on a jumbo loan to afford your dream home? Then this is for you. With the conforming loan limit increase, you could refinance a jumbo loan into a low-interest conforming loan! DM me for more details on this process!

The #1 most important thing while you're trying to qualify for a home loan is consistency. This includes employment. I tell my clients to avoid getting a new job before and during the process. Why? A new job means a new income source has to be verified with questions like: Are you getting paid the same? Is the new job in the same industry as your previous position? Employment reassessment can slow down the process. So, if you can, hold off on switching jobs until you've closed your mortgage!

Ever heard the horror story about the couple who had to take a higher mortgage rate because they didn't lock it in before they found their dream home? You don’t want this to be you. Take advantage of our Lock and Shop program, and save yourself the nightmare of being pushed back to square one with potentially higher rates. Lock in today's rate and take your time finding your home (up to 360 days to be exact!) Give me a call, let's get this homebuying party started!

Though it's not common, certain situations allow you to omit student loans when you qualify for a mortgage. And, in cases where you cannot omit them completely, there are options to minimize their impact on your mortgage application. Don't let student loans keep you from starting your homebuying journey. Contact me today!

It's scary how fast credit problems can creep up on you, but as quickly as they show up is also how swiftly you should work to correct those problems. Don't allow dings to sit on your credit report. A healthy credit score can open the door to many things, including your . Curious to know where you stand? DM me, and let's take a look together.

Looking for a good reason to refinance?

How about these:
1. Lower Payment: When rates fall, it’s tempting to refinance. A common rule is that a 2% drop in rates will make it worthwhile.
2. Quicker Payoff: Reducing your loan term means you’ll be out of debt sooner.
3. Cash Out

Borrowers may use their home’s equity to pay for major purchases or make home improvements. Need I say more? Let's talk and see if a refi is a good fit for you!

Buying a home for your parents is something many people dream about. Fannie Mae is making that dream even more achievable with the Family Opportunity Mortgage. This program allows a child to provide housing for an elderly parent if the parent is unable to qualify for a mortgage on his or her own.

Additionally, the parents do not have to be on the loan. This is an amazing opportunity for anyone looking to buy a home for their parents, and I would love to help make this happen. Reach out to me today for more details!

Interest rates rise, and they fall. Then, they rise again, and then they fall again. Don't let this roller coaster stop you from becoming a homeowner. After all, when they fall, you can always refinance! The rate isn't meant to stick with you; only the house is! So, if you're thinking about buying, let's turn those thoughts into actions. Reach out to me today.

What are the three best words in the world? Clear to Close! But, there's an entire process you must go through to hear those words. DM me today to learn why this is one of the best phrases you'll hear as a new homeowner!

You have questions. I have answers! There's no need to go through this process with uncertainties. Leave a comment or DM me. I'm more than happy to answer all of your questions anytime!

Lock your rate today. Shop for 360 days! Talk about a sweet deal. DM me to talk about the program!

Let's talk about how a loan works. With a HELOC, you’re given a line of credit that’s available for a set time frame, usually up to 10 years. While most HELOCs have an interest-only draw period, you can make both interest and principal payments to pay off the line of credit faster. When the line of credit’s draw period expires, you enter the repayment period, which can last up to 20 years. You’ll pay back the outstanding balance that you borrowed, as well as any interest owed. HELOCs provide ample time to complete your projects and pay the loan back. Don't venture into this thinking it has to all get done immediately. Interested? Send me a message and I can help you start the quick application process.

Your loan just went into underwriting. What does that mean? Underwriting is a lender's process to take an in-depth look at your credit and financial history to determine your loan eligibility. We have an amazing underwriting team here at that works quickly and efficiently. DM me today to talk through more of the loan process and see how we can you started on a pre-approval from underwriting!