Tim Shacoski

I am a mortgage loan officer with 20+ years of experience helping clients secure smart, affordable home financing. My work centers on two of the most nuanced areas in lending: qualifying self-employed buyers and navigating condominium financing. I pair a rigorous, numbers-driven approach with clear communication, so clients understand their options and move from pre-approval to closing with confidence. Whether it’s clearing a condo for financing or structuring a file for a borrower with non-traditional income, my goal is simple—deliver a transparent, efficient, client-centered mortgage experience.

      •     Self-Employed Mortgage Solutions: bank-statement loans, 1099 income, asset-depletion, CPA letters, and alternative documentation

      •     Condo Financing: warrantable and non-warrantable condos, condotel and investor-heavy buildings, limited/full review, project approvals

      •     Conventional Loans: fixed-rate and ARM options for primary, second home, and investment properties

      •     FHA & VA Loans: flexible, government-backed options for qualified buyers

      •     Jumbo Mortgages: high-balance financing for luxury and high-value homes

      •     Non-QM / Alternative Documentation: tailored programs for unique borrower profiles

      •     DSCR Loans for Investors: qualify using rental cash flow to scale portfolios

      •     Refinancing: rate-and-term to lower payments or shorten term; cash-out to access equity

      •     HELOCs & Second Mortgages: tap home equity while keeping the first mortgage in place

      •     Down Payment Assistance: guidance on programs that reduce upfront costs

      •     Plan first: align the loan structure with payment comfort, cash-flow goals, and timeline

      •     Explain clearly: outline trade-offs and approval paths so you can choose with confidence

      •     Execute efficiently: organize docs upfront, anticipate underwriting needs, and keep all parties in sync

      •     Self-employed buyers who need a lender fluent in alternative documentation

      •     Condo buyers (primary, second home, and investors) needing expert project navigation

      •     First-time buyers who want step-by-step guidance and competitive terms

      •     Homeowners & investors optimizing terms through refinance, cash-out, or DSCR strategies

      •     Move-up buyers coordinating sale-to-purchase timelines