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
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
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
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
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
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!”
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,
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
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
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
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
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
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
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
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
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
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
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
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
By John Aretos, CEO of Police Mortgage Does it make sense to walk into a patrolman credit union, get approved for the largest police home loan your credit score and income will allow, and buy as much house as possible.
By John Aretos, CEO of Police Mortgage We can do new construction loans through our partner lender, United Wholesale Mortgage. We don’t finance the actual construction in our portfolio at Police Mortgage. I will tell you, it is trickier than
By Dylan Walsh of Police Mortgage A pre-approval is official. So, if a client is about three months away from buying a property, he or she should be pre-approved by then. If you’re six months out or more from actually
By Vivian Abraham of Police Mortgage Everybody’s situation is different. Everybody has different ways in which they want to make money, save money, invest money, all of that. But the biggest piece to financial wellness, I believe, is making sure
By Vivian Abraham of Police Mortgage Police Mortgage does business with first responders in a number of states. Indiana is one of our top areas to close police home loans. There’s quite a bit of variety in that state. Northwest
By Vivian Abraham of Police Mortgage The biggest mistake many first responders make by the time they get to me is thinking that there’s no way out of their debt. Many feel that living paycheck to paycheck is just the
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.
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!
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!
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!
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!
