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Author: Zakir Mahsood

Missouri

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 […]

Mortgage Rates in 2025

By John Aretos of Police Mortgage There may not be much movement with mortgage rates in the immediate future. For the short term, you may still see some higher costs, inflationary costs for things like groceries and gas and household items. I do think prices will stabilize in the intermediate term, maybe later this year. […]

Ohio

By John Aretos of Police Mortgage Ohio is a great market for Police Mortgage especially for police home loans. I’ve been to Cincinnati a few times. I like Cincinnati. It’s a cool town. I’ve been to all of the major cities in Ohio: Columbus, Cleveland, and Cincinnati. I’m sorry, Cincinnati. I tend to like Cleveland […]

Creating generational wealth

By John Aretos, CEO of Police Mortgage You certainly can build generational wealth by utilizing real estate. I don’t know where I heard this, but I think someone famous said one of two ways to become super wealthy is through the acquisition of real estate. The other way is through inherited wealth but very few […]

Best time to buy in 2025

By John Aretos, CEO of Police Mortgage When is the best time to buy a home in 2025?  Well, I think if you’re talking about the Midwest, it’s probably spring because that’s when the most homes will be listed for sale. But every year is a different market, right? Markets can change pretty quickly at […]

Marry The House Date The Rate

By John Aretos, CEO of Police Mortgage When someone is buying a home they generally don’t want to have to go through that process multiple times. Thus, the common phrase “marry the house”.  Buyers often buy a house with the intention of living there long term, or at least for an intermediate term. As you […]

HOA Considerations

By John Aretos, CEO of Police Mortgage When a buyer is trying to get pre-approved for a condo unit we usually ask where they’re looking. Condominiums will typically have a homeowners’ association (HOA). This is because we have to factor in the HOA payment to the calculation. When it comes to a police home loan, […]

Buying a Home as a Savings Plan

By Vivian Abraham of Police Mortgage Can buying a home be a savings plan?  Absolutely, it depends on the person. Are they disciplined enough? Savers need to have the money ready for the down payment. Then they also need the discipline to build the equity in the property without tapping into it for non-emergencies. Potentially […]

A Safe Place for Law Enforcement

By Vivian Abraham of Police Mortgage I have family members that are police officers. I have close friends that are first responders. These professions and the well-being of those that do these jobs are very close to me. So, I feel that my work with Police Mortgage is my way to help out, even if […]

School Districts and Property Values

By John Aretos, CEO of Police Mortgage Better school districts usually equate to higher property taxes. Sometimes this can be used as a marketing aspect when selling a property in a certain area, i.e. people are moving there to raise their kids because of the great school system. Some neighborhoods with highly desirable school districts […]

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320 W. Washington, 3rd Floor, Springfield, IL 62786. | Phone: 888.473.4858

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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 #180970

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