Derek MichaloskiLoan Officer
Originally from Maryland I have been a PCB local since 2006. I am a local business owner and very familiar with the neighborhoods, condos and trends that comprise a seasonal town. Please use me as a resource of local knowledge before making your next home or investment purchase.
I strive to be "Always Available" and update all parties involved in the transaction daily. Contact me for free rates, program knowledge and advice any time!
Specialties: Down Payment Assistance, Bank Turn Downs, Vacation and Investment Properties, Credit Re-Score, First Time Home Buyers
DOWN PAYMENT ASSISTANCE: If you qualify for FHA or Conventional financing, you can receive a grant for 2%-6% of the loan amount to be used for Down Payment and Closing Costs. Many of my buyers purchase their home with little or nothing out of pocket!
100% FINANCING: VA, USDA - Check your eligibility and I have the better rates in the area!
VACATION/CONDOS/INVESTMENT: Low Down Payment options and a database of condo eligibility allows me to correctly place your loan. I can help you navigate the tricky condo market (warrantable vs non-warrantable) and we can even use rental income to help qualify your payments!
BANK TURN DOWNS: As a lender and a broker we have many options for getting you approved when others could not.
CREDIT ISSUES: I will evaluate your credit and let you know what to do to raise your score IMMEDIATELY. Typical 20-40 points in 10 days or less!