Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
Mortgage Consultant
801982
215 Saint Paul Street
Suite 200
John Pavlakovich (NMLSR# 801982) has over 17 years of experience in finance and over 13 years of experience in the mortgage financing field. He is licensed in CO, CA, AZ and MN. John has a thorough understanding of the entire home buying process having a background of studying real estate at the University of Denver, Daniels College of Business. John began his mortgage career with Wells Fargo and after 10 ½ years, made the leap to HomeServices Lending (now Prosperity Home Mortgage) in 2017 to be able to be a part of the whole customer experience of One Stop Shopping. John has been awarded the prestigious designation of President’s Club each year since joining HomeServices/Prosperity. In addition, John’s exceptionally high customer service satisfaction rating among his clients brings constant referrals.
John’s credentials include a Bachelor of Business Administration degree from the University of Denver, Daniels College of Business (’07) as well as being a Certified Licensed Mortgage Consultant with the National Mortgage Bankers Association (’17). He has been a Mortgage Loan Originator since 2012. John is a firm believer that knowledge is power. His personal goal is to help educate both clients and business partners about the home financing process, so each can move forward with an informed, efficient mortgage transaction.
John currently resides in Columbine Valley, CO with his wife Kelly & son, Zach. In his spare time, he enjoys quality time with his family and friends, practicing yoga, playing golf, attending concerts, and volunteering.
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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
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Pathway To Prosperity
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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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