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Author: Zakir Mahsood

Condominiums, Right of First Refusal, Transfer Taxes, and More

By John Aretos, CEO of Police Mortgage There are a number of aspects to home buying that not everyone understands when they walk into a patrolman credit union location. Condominium units are one example. With condominiums you have what’s called the right of first refusal. This is something that’s unique to a condominium association. FHA […]

Insurance Considerations

By John Aretos, CEO of Police Mortgage There are several types of insurance to consider when buying a home. The first that we commonly talk about is homeowners insurance. That can take on different forms. For instance, if you’re buying a condominium unit your homeowners insurance is usually included in your association dues. That covers […]

VA Loans

By John Aretos, CEO of Police Mortgage I can talk about VA loans all day. The main reason is  that I have so much respect for our veterans and our active military who are defending our freedom across the world. I come from a military family. My father served in the Navy during the Korean […]

Where First Responders Should Buy

By John Aretos, CEO of Police Mortgage One of the first considerations when a first responder is looking for a new neighborhood to buy a home is the commute. I mean, in Chicago, where Police Mortgage is headquartered, that’s the biggest thorn in everyone’s side.  It’s the same in practically any big city. You need […]

Talk to the Loan Officer First

By John Aretos, CEO of Police Mortgage The most important tip I can give anyone is to always get a hold of your loan officer before you go under contract. It sounds obvious, but it’s not obvious, right? Sometimes people do that, but I see so many people looking for a police home loan that […]

Tapping Into Your Equity

By John Aretos, CEO of Police Mortgage We know the police in particular love their toys, and some of those toys are Harley-Davidsons, RVs, and boats. And hey, God bless them, because you know what? If anyone deserves it, it’s first responders to help them enjoy their lives. I’ll speak to the credit part first. […]

The Down Payment

By John Aretos, CEO of Police Mortgage Back in the day, I’m talking like 1990s, early 2000s, 20% down was the standard. You wanted to avoid private mortgage insurance as a result. So that was always the thing growing up. When I bought my first house, my old man told me, “Hey, make sure you […]

Investment Properties

By John Aretos, CEO of Police Mortgage If somebody walks into a Chicago police credit union, and we all know that almost certainly is going to be us, and wants to buy investment property we want to know if it will be a secondary residence or something like a rental or VRBO. An example of […]

Possible Rate-Saving Options in 2024

By John Aretos, CEO of Police Mortgage FHA and VA loans may be an immediate alternative for those who don’t have 20% to put down and want to have a low-money-down payment option to buy a house. Let’s say, hypothetically, the conventional rate today is at 7%. The FHA rate in comparison is probably going […]

Why Police Mortgage?

By John Aretos, CEO of Police Mortgage The biggest thing for me with Police Mortgage, and I think it is the differentiator, is that we are specifically built to work with police and first responders. So, there’s really two aspects to that. The first part is just the understanding of working with the police and […]

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I.D.F.P.R DIVISION OF BANKING

Chicago Office:
100 W. Randolph, 9th Floor, Chicago, IL 60601.

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

NMLS I.D. # 268815 For licensing information, go to: www.nmlsconsumeraccess.org | © Police Mortgage 2022 All rights reserved.
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 Chicago Patrolmen’s 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