Meet Larry Kowalczyk
I have dedicated my career to developing and maintaining a comprehensive understanding of the mortgage business. For most people, your home is the largest and most important asset of your financial plan. It is critical to work with someone who will take the time to listen to your needs. The lowest interest rate or payment on the wrong mortgage program can be very costly. With my 25+ years of mortgage banking/real estate experience, my commitment is to deliver professional and personalized service, customized to meet the objects that my customers desire.
Our process is smooth and simple from start to finish:
- Talk with me. I will work with you to help you determine your financing options and answer all your questions.
- Apply Online. Complete your mortgage application at your convenience through our online application.
- Work together through final approval. From the time your application is received, I work with you to ensure you move through the process checkpoints to final approval.
- Closing on your loan. Prior to loan closing, I will review the Closing Disclosure, funds needed and documentation to bring to close with you. On closing day the final documents are signed at the title company and you receive the keys to your new home!
Home Financing Calculators
- Should I refinance?
- How much will my fixed rate mortgage payment be?
- How much will my adjustable rate mortgage payments be?
- How much will my payments be for a balloon mortgage?
- Should I rent or buy?
- Which mortgage is better for me?
- How much will I save by increasing my mortgage payment?
- How much mortgage might I qualify for?
- How much home can I afford?
- Should I consolidate my loans?
Everyone I have sent your way has come back and said, “Thanks for the referral,” because they have been very happy and satisfied with the service you have provided. It is your professionalism that keeps me sending/referring people to you.
You clearly have your clients’ best interest in mind by making sure that it is the best deal for them. I will absolutely think of you when I have clients who need financing.
Thank you again for all your efforts in getting us in our new home. We are surrounded by boxes and eating take-out, but at least we are in! I know you and your team did not make enough money off this loan to justify the time it took to do the other company's job for them as well. The professionalism of you and your team was commendable, thank you.
Thank you for the smooth transaction! It was great working with you, and I will certainly recommend you to anyone who asks me about a lender. You were the best part of the transaction, and I appreciate your knowledge and responsiveness.