Joe Bydzovsky
Branch Manager
As an experienced loan officer, my goal is to provide you with individual solutions tailored to your specific needs. I review all the details and objectives with you to ensure that everyone is on the same page. I want my customers to remember the smooth process long after the closing is completed. I have access to a large variety of financing options designed to meet the needs of the first-time homebuyer as well as the experienced owner. By providing in-house origination, processing, underwriting and funding services, I can ensure that your loan will be completed accurately, smoothly and in the loan that best meets your needs. This positive experience is why past customers, real estate and financial professionals continue to refer me to friends, family, clients and co-workers. I believe you will too!
Marketplace Approved
There’s a difference between getting pre-approved & getting Marketplace Approved. Our pre-approvals go through certified underwriting up front to give all parties the certainty of closing and closing ON TIME.
5 Day Loan Commitment
Want to make your offer more attractive? Get a complete commitment from underwriting in 5 days with or without a house with our UFirst 5 Day Loan Commitment!
On-Time Closing Guarantee
If we are unable to close your purchase on or before your scheduled closing date, we will pay for your first mortgage payment up to $1,500 P & I AND the seller of the property will also be paid $5,000. *See terms and conditions.
Interest Rates Vs. Affordability
Rising interest rates can make the difference between locking in the home of your dreams today or being locked out tomorrow!
THE MARKETPLACE HOME MORTGAGE BLOG
Misconceptions On How To Win An Offer
Right now, everywhere you turn there are multiple offers over list price. It is crucial the Buyer, Mortgage Lender, and Realtor® understand the area and how to conduct multiple offers to WIN. Here are a few misconceptions many people believe are true when trying to win an offer: READ MORE
The Advantages of Getting Marketplace Approved
It’s no secret that getting pre-approved for a mortgage is one of the most important first-steps on the path to home ownership. However, it’s important not to overlook the pivotal decision that comes before that: choosing your mortgage lender.
Not all mortgage pre-approvals are created equally. Using a rapid pre-approval may seem convenient, but it puts you at risk for financing issues down the line. Opting for the quick and easy route could lead to delayed closings. In the midst of moving, having your closing date pushed back can be a logistical nightmare. What’s worse, a flimsy pre-approval could even lead to the loss of your dream home. That’s why it pays to get Marketplace Approved. READ MORE
How the New Tax Bill Will Affect Homeowners
The new tax reform bill that was signed into law by Congress will be changing taxes related to home ownership in 2018 and beyond. If you are a homeowner, or are considering becoming one, be sure to meet with your tax professional to discuss how these changes will impact you. READ MORE