John Kladis, Mortgage Loan Officer
NMLS: #2324532
Loan Factory
Licensed state:Arizona, North Carolina, Tennessee, Texas
https://www.loanfactory.com/johnkladis
About John Kladis
I have cultivated a successful career within the service industry for over 30 years. I have worked in some of the best companies in the world including several of the Top Fortune 50 companies. I have run the gamut when it comes to duties: Sales, Customer Service, Property Management, Tax Credit Certifications, Home Building, Manufactured Homes, Education, etc. I have amassed over 70 awards in my career (yes, the mantlepiece is getting a little cramped).
My success comes from the wealth of knowledge I draw from, and the ability to recognize when and who to go to when the need arises.
I help folks with Residential & Investment Property & Commercial Mortgages for a Finance & Refinancing, Fix/Flips and Ground-Up construction loans as well. If there is a loan type available, I am very confident I have what you are looking for :).
Residential: Loan programs for Purchases, Re-Financing, HELOC, HELOAN, FHA, VA, USDA, ITIN with multiple programs from conventional, FHA, VA, USDA, etc. with programs using 1099, W2, bank statements, ITIN, etc.
Business/Commercial: Loan programs for Investors for Purchases, Re-Financing, DSCR program {qualifies using the potential rental income (if a purchase) or the rental income (if refinance) so no paystubs, no tax returns, no DTI} for short term rental property loans (Airbnb/VRBO) or long-term rentals. Fix/Flip. Ground-Up, Bridge, etc. DSCR, 1099, w-2, bank statement, ITIN, also programs for no experience, etc.
I’m confident I can help if you are looking for now or in the future. I look forward to working with you!
