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Author: Zakir Mahsood

Financial Mistakes and Best Practices for Young First Responders

By Police Mortgage Loan Officers:  Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761) Young first responders often begin their careers with a strong sense of purpose and a long-term commitment to their communities. That makes early financial decisions especially important. Building good habits in your 20s can make it easier to obtain a police […]

Can You Buy a Home without Overtime?

Can You Buy a Home without Overtime? By Police Mortgage Loan Officers:  Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761) It’s no surprise that some of our clients get hurt in the line of duty. Such injuries often result in the loss of overtime or part-time employment opportunities, which may vary by department. The […]

Can You Buy a Home with Overtime

By Police Mortgage Loan Officers: Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761) Although Police Mortgage and The National Police Federal Credit Union are technically separate entities, Police Mortgage is owned by The National Police Federal Credit Union, creating a relationship closer than a simple partnership. We’ve mentioned before that if we can’t assist […]

Can You Buy a Home without Overtime?

By Police Mortgage Loan Officers: Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761) Many first responders, especially police officers, work overtime to afford a home. However, it’s possible to buy a house with just your base income if you manage your finances well. Police home loan pre-approvals usually start with your base salary to […]

Stability in Your Financial Plan

By John Aretos of Police Mortgage To me what home ownership represents within a financial plan is stability. I think especially for police officers, firefighters, and EMTs owning a home is seen as stability because they are dedicated to a cause that doesn’t necessarily correspond with income. It’s a vocation. For instance, if you are […]

Breaking the Rent Rut

By John Aretos of Police Mortgage The executives of our Police Mortgage, as well as those of our parent company – National Police FCU, have a philosophy about business and even life in many cases. That philosophy is “Don’t wait!” It applies to many situations. Maybe you apply it to your love life. Maybe you […]

End-of-Watch Loan Protection

By John Aretos of Police Mortgage End-of-Watch Loan Protection is a special debt-cancellation benefit created exclusively for active police officers, firefighters, and EMTs. It is available for multiple loans taken through Police Mortgage and its parent company, National Police FCU, at no cost to the borrower. End-of-Watch Loan Protection cancels the outstanding loan balances for […]

Will There Be Opportunities in 2026?

By John Aretos of Police Mortgage Thinking optimistically, the answer to that would be “Yes”. Thinking practically, the answer is “Maybe,” because the future’s promised to no one. I think I’m a broken record on that one. The reality is that no one really knows for sure what opportunities will present themselves in 2026. There […]

Arizona

By John Aretos of Police Mortgage I recently heard that Missouri took a significant step by acknowledging and supporting first responders with a new law that recognizes post-traumatic stress disorder as a legitimate reason for workers’ compensation. PTSD and PTSI among first responders is an interesting and unfortunate subject. It’s treated differently in different states […]

Missouri

By John Aretos of Police Mortgage I heard that Phoenix passed a bill in late 2023 that provides counseling for 911 dispatchers suffering from PTSD. While they may not be seeing the trauma they are certainly hearing it. Police Mortgage is proud to serve a number of 911 dispatchers and to do business with many […]

Vivian Abraham
LOAN OFFICER
NMLS #2451439
 

I have my bachelor’s in business administration and have been involved in the banking industry for over 10 years. During this time, I managed two of the National Police Federal Credit Union locations prior to transitioning to Police Mortgage. I have family members who are police officers with the Chicago Police Department. My work has been very rewarding, and I take pride in having assisted countless members and their families with their financial needs and financial wellness. My hobbies include exploring new restaurants in the city and running for marathons that support pediatric cancer foundations and Chicago Police Memorial Foundation’s Run To Remember. I come from a large family primarily from the south side of Chicago and love to share all the diversity and beauty the city has to offer with my two children.

EMAIL VIVIAN ABRAHAM
Patrick Doah
Loan Officer
NMLS #2025761
 

I am honored to grow up in a multi-generational family of Chicago Police Officers. I joined Police Mortgage in the summer of 2020 and love the opportunity to help both first-time buyers and repeat clients alike achieve their dreams of purchasing a home. Having been born and raised in the south suburbs of Chicago, I happily live in the Lakeview neighborhood today. Along with my two younger sisters, I am a graduate of the University of Illinois at Urbana-Champaign and a lifelong Chicago Bears fan. I have a strong passion for food and love exploring the vast array of restaurants throughout our city. Nothing makes me happier than spending a summer afternoon on a golf course with family and friends! 

EMAIL PATRICK DOAH
Connor Walsh
Loan Officer
NMLS #2221708
 

I joined my brother at Police Mortgage as a loan officer in August of 2021 after a 10-year career in sales and marketing. Most recently, I worked as a Senior Account Executive for Ricoh North America, an office electronics company, where my main responsibilities were building new client relationships and maintaining over 400 existing customer accounts. I believe my work experience has transferred over to the mortgage industry well, because I am able to multi-task effectively while working with multiple customers. The skillset I learned in my previous employment allows me to stay organized and to manage my time well for my customers. My number one goal is always to make the loan process as quick and painless as possible for our borrowers. I am excited to further develop the Police Mortgage brand with my brother. It is a unique situation, and I believe working in an office together allows us to help our borrowers even more due to streamlined communication and our ability to help each other with our respective files. I like to spend my free time relaxing, watching sports, exercising, going out to eat with my wife, and trying to keep up with our three daughters – all under five years old!

EMAIL CONNOR WALSH
Dylan Walsh
Loan Officer
NMLS #1809703

After graduating from the University of Missouri in 2015, I moved to Chicago where I began a career in marketing at a firm called Ansira. I sought a career change and contacted Police Mortgage, where I was first introduced to the mortgage industry. I have spent the last 5 years training with our CEO, John Aretos, who has taught me all of the intricacies of the mortgage process. I love finding solutions for our clients to help them purchase the home of their dreams. I feel a huge sense of accomplishment when helping homebuyers, especially first-time homebuyers, all the way through the loan process, from pre-approval to closing day. I recently moved back to my hometown of St. Louis, where we opened a new office. I am excited to help start this new chapter for Police Mortgage. My wife, Megan, and I are happy to be back in our hometown. We are always checking out new outdoor events such as music or food festivals – anywhere we can take our dog, Remy!

EMAIL DYLAN WALSH
John Aretos
CEO
NMLS #268165

As the CEO of an organization associated with serving the Police and their loved ones, I am privileged to play a role in helping our clients achieve their life’s financial goals. Our mission is to make the home buying or refinancing process as comfortable as possible, providing our clients with competitive products and excellent service.

I was born and raised in the Chicago metropolitan area, and I have a deep-rooted love and appreciation for the diverse culture which makes our city so special. My two older siblings and I grew up working in our parent’s restaurant, which instilled a work ethic and sense of family that I carry with me to this day.

I am a graduate of Indiana University and have been involved in the mortgage industry for nearly 25 years, helping thousands of clients save money or finance the home of their dreams. My passions are passing down my love of food, music, art, snow skiing, and red wine to my three children, who motivate me to be a better person each and every day!

 

EMAIL JOHN ARETOS