Executive Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
Executive Mortgage Consultant
801982
215 Saint Paul Street
Suite 200
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John Pavlakovich (NMLSR# 801982) brings over 18 years of experience in finance and more than 14years in mortgage financing. Licensed in Colorado, California, Arizona, Florida and Minnesota, John has an in-depth understanding of the home buying process, enhanced by his studies in real estate at the University of Denver's Daniels College of Business.
John began his mortgage career at Wells Fargo, where he spent 10 ½ years honing his expertise. In 2017, he transitioned to HomeServices Lending (now Prosperity Home Mortgage) to join a company that offers a comprehensive, "One Stop Shopping" customer experience. Since then, John has consistently earned the prestigious President's Club designation each year. His exceptional customer service is reflected in his consistently high client satisfaction ratings, which generate ongoing referrals.
John holds a Bachelor of Business Administration degree from the University of Denver, Daniels College of Business (2007) and is a Certified Licensed Mortgage Consultant with the National Mortgage Bankers Association (2017). He has been a Mortgage Loan Originator since 2012. A firm believer in the power of knowledge, John is dedicated to educating both clients and business partners to ensure each mortgage transaction is as informed and efficient as possible.
John has earned the prestigious President’s Club Award seven times at Prosperity Home Mortgage, achieving this honor every year since joining the company in 2017. He is consistently ranked among the top mortgage lenders both in Colorado and nationally for exceptional customer service. John prioritizes delivering a seamless and personalized experience, ensuring his clients have a competitive advantage when it’s time to make an offer on a new home.
In addition to his professional work, John is a committed volunteer with the Kempe Foundation in Colorado, where he supports initiatives that provide safe, healthy, and nurturing environments for children and families impacted by abuse, neglect, and trauma.
John resides in Columbine Valley, CO, with his wife, Kelly, and son, Zach. In his spare time, he enjoys spending quality time with family and friends, playing golf, traveling, enjoying the CO mountains and attending concerts.
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About ME
Empowering Our Community Through 18 Years of Expert Lending Support.
With over 18 years of personal lending experience, I've had the privilege of assisting over 1500 clients, and we're committed to continuing our legacy of community impact and client satisfaction.
18
+ Years
1500
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Pathway To Prosperity
I'm here to answer allyour mortgage questions
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
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