Mortgage Beat

Episode 080 of Mortgage Beat

Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), agree that a little bit of pain in saving and buying the right home is almost always better than renting long term.

Even when the process proceeds smoothly with a competent loan officer, affordable property, and favorable conditions, home ownership inevitably involves some level of challenge. For individuals seeking to purchase a home, there is an expected degree of discomfort; while not excessive, it is necessary for long-term financial commitment. The ideal level of challenge may vary, but experiencing some difficulty during the transition is not inherently negative.

Purchasing a home represents a significant financial milestone. Prospective buyers should prepare by saving diligently, ideally for several months prior to closing, and be ready to reduce discretionary spending. This discipline fosters beneficial outcomes over time.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to www.policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

ABOUT THE HOSTS:

Vivian Abraham

“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.”

Patrick Doah

“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!”

Episode 079 of Mortgage Beat

Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), stress the fiduciary duty to set their clients up for success.  

It is the responsibility of Police Mortgage to provide clients with a clear pathway, including a step-by-step plan for managing future rate adjustments. Discipline and control are key concepts, particularly for first responders, who typically possess strong risk management skills. Whether controlling emergencies as firefighters or making critical decisions as police officers or 911 operators, these professionals are accustomed to maintaining authority in dynamic situations. By providing education and tools, we empower clients to exercise greater control over their financial strategies.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to www.policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

ABOUT THE HOSTS:

Vivian Abraham

“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.”

Patrick Doah

“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!”

Episode 078 of Mortgage Beat

Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), discuss the value of an adjustable-rate mortgage (ARM) and when it makes sense.   

An ARM is best suited for those with significant down payments, ideally at least 20%—and established equity at closing. This product typically benefits experienced homebuyers who plan to stay in the property short-term and can take advantage of lower rates, potentially paying extra toward principal to reduce future refinancing costs.

While renting may have been preferable in periods of high interest rates, decreasing rates today make buying more attractive. Building equity and potentially lower monthly payments favor homeownership, but decisions depend on individual circumstances and market changes.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to www.policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

ABOUT THE HOSTS:

Vivian Abraham

“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.”

Patrick Doah

“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!”

Episode 077 of Mortgage Beat

Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), talk about the timing of purchasing a property.

There is rarely a “bad” time to buy a home if you’re thinking long term and planning to stay in the property. The main risk buyers fear is buying at the peak of the housing market, but building equity and getting out of the rent cycle is almost always beneficial over a lifetime.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to www.policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

ABOUT THE HOSTS:

Vivian Abraham

“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.”

Patrick Doah

“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!”

Episode 076 of Mortgage Beat

Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), discuss financial habits, common mistakes, and best practices for young first responders.

Daily incremental purchases can really add up and drive up debt, as well as big purchases like expensive cars. Young first responders can set themselves up for a better financial future by being diligent with their finances which includes:

- Paying bills on time

- Setting aside a portion of income for savings

- Investing regularly

- Tracking where every dollar goes

- Using credit cards responsibly

- Adopting a long-term career outlook

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to www.policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

ABOUT THE HOSTS:

Vivian Abraham

“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.”

Patrick Doah

“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!”

Episode 075 of Mortgage Beat

Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), discuss the implications for mortgage payments when a first responder is injured in the line of duty.

It’s critical to inform lenders promptly to prevent potential financial challenges in the event of injury and loss of overtime. Early communication, especially with an organization that cares like Police Mortgage, may enable access to options such as forbearance or deferred payments.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to www.policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

ABOUT THE HOSTS:

Vivian Abraham

“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.”

Patrick Doah

“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!”

Episode 074 of Mortgage Beat

Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), talk about the relationship between Police Mortgage and The National Police Federal Credit Union.

Police Mortgage is owned by The National Police Federal Credit Union, creating a relationship closer than a simple partnership. We've mentioned before on the podcast that if Police Mortgage can't assist you, The National Police Federal Credit Union or Gwen's Helping Hands might be able to help, especially if your credit score isn't ideal.

The connection among these organizations means that when someone comes to Police Mortgage and their needs would be better met elsewhere within our family of brands, he or she is directed to those resources.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to www.policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

ABOUT THE HOSTS:

Vivian Abraham

“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.”

Patrick Doah

“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!”

Episode 073 of Mortgage Beat

Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), remind us that you don’t have to be “house poor” when buying a property.

It’s important to distinguish between what buyers are qualified for and what will actually suit their comfort and lifestyle. Striking a balance is essential; while the desire to secure a contract on a dream home is strong, it is crucial not to overextend financially. Homeownership encompasses more than just the monthly mortgage payment; principal and interest are only part of the overall cost. Ensuring that buyers can maintain their desired lifestyle alongside these payments is fundamental to sustainable homeownership.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to www.policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

ABOUT THE HOSTS:

Vivian Abraham

“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.”

Patrick Doah

“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!”

Episode 072 of Mortgage Beat

Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), provide perspective on overtime and buying a home.

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 manage your finances well. Mortgage pre-approvals usually start with your base salary to ensure you can handle payments comfortably. Overtime and additional jobs can be considered, evaluated on a two-year average, but shouldn't be relied on if they make monthly payments unaffordable.

It's important to avoid stretching your finances so thin that you need to work excessive hours just to pay your mortgage. The goal is to find a manageable payment that fits your lifestyle and financial goals, whether you're buying a starter home or planning for future moves. Balancing work, overtime, and side jobs with your personal life and wellness is crucial. Always consider what you can afford on your base income alone, ensuring you won't struggle if overtime or extra work isn't available.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to www.policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

ABOUT THE HOSTS:

Vivian Abraham

“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.”

Patrick Doah

“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!”

Episode 071 of Mortgage Beat

Police Mortgage CEO, John Aretos, provides tips for empty nesters planning to downsize to a smaller home.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 070 of Mortgage Beat

While property taxes and other factors may make buying a home in another state look attractive, the grass isn't always greener on the other side. John Aretos explains why.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 069 of Mortgage Beat

Many times home ownership is a linchpin to a solid financial plan. Police Mortgage CEO, John Aretos, tells us why.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 068 of Mortgage Beat

Police Mortgage CEO, John Aretos, applies the organization's motto of "Don't wait" to the action of moving from renting to owning.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 067 of Mortgage Beat

Homebuying and home ownership requires a level of financial discipline that will pay dividends over the course of your wealth-building journey. That remains the case even in situations where down-payment assistance is available.Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage –For First Responders Who Are Second To None.

Episode 066 of Mortgage Beat

There’s no question that it's tougher for Gen Z homebuyers than it was for their parents and grandparents. Police Mortgage CEO, John Aretos, provides some valuable tips forfolks in their 20's who want to buy a property.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 065 of Mortgage Beat

Police Mortgage CEO, John Aretos, provides an update on the End-of-Watch Loan Protection program for first responders.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage –For First Responders Who Are Second To None.

Episode 064 of Mortgage Beat

Police Mortgage CEO, John Aretos, looks ahead to possible opportunities in the homebuying market heading into 2026.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 063 of Mortgage Beat

John Aretos answers a home-buying question that has been around for decades.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage –

For First Responders Who Are Second To None.

Episode 062 of Mortgage Beat

Do you know which police department hired the first female police officers? It happened in one of Police Mortgage's primary markets.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage –For First Responders Who Are Second To None.

Episode 061 of Mortgage Beat

In a side discussion during recording, John Aretos discusses his pride in the Chicago Police Department and the privilege Police Mortgage has to serve many of those officers.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage –

For First Responders Who Are Second To None.

Episode 060 of Mortgage Beat

One of the first states where Police Mortgage made its expansion was Arizona. John Aretos talks about this unique market.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 059 of Mortgage Beat

Continuing our look at the major markets of Police Mortgage, John Aretos discusses their branch in Kirkwood, MO and the uniqueness of the St. Louis area.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 058 of Mortgage Beat

John Aretos continues his conversation on the major markets of Police Mortgage moving on to a discussion on the great state of Texas.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 057 of Mortgage Beat

In an off-the-cuff discussion with the producer, John Aretos talks about what he likes about the state of Ohio - one of the major markets of Police Mortgage.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 056 of Mortgage Beat

If you find your forever home it may be a good idea to pounce on it.  John Aretos explains.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 055 of Mortgage Beat

Creating generational wealth almost always starts with buying a home. John Aretos tells you why.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 054 of Mortgage Beat

What is the best time to buy a property in 2025? Well, like most things in life, it depends.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 053 of Mortgage Beat

What should you expect with mortgage rates this year? John Aretos gives his expert opinion.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.comor call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 052 of Mortgage Beat

Vivian Abraham explains why Police Mortgage is proud to be a haven for law enforcement professionals and their families when it comes to their finances.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 051 of Mortgage Beat

Buying a property is generally considered an investment. Can buying a home also serve as a savings plan? Vivian Abraham explains.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 050 of Mortgage Beat

Every company states they are different from their competitors. Vivian Abraham explains why Police Mortgage is different from other lenders, especially for first responders.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 049 of Mortgage Beat

Vivian Abraham explains why there is almost always a way out of debt.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 048 of Mortgage Beat

Buying a home can be stressful. Your loan officer shouldn't add to that stress. Dylan Walsh explains the "no-surprises" approach offered by Police Mortgage.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 047 of Mortgage Beat

Dylan Walsh shares the differentiators that make Police Mortgage something special for first responders.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 046 of Mortgage Beat

Vivian Abraham shares nuances about her regional focus and one of the primary markets of Police Mortgage, the state of Indiana.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 045 of Mortgage Beat

What exactly is “financial wellness?” Vivian Abraham explains what it should mean for first responders and their families.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 044 of Mortgage Beat

Police Mortgage CEO, John Aretos, discusses the real estate market, qualification, and refinancing in light of the recent rate cut by the Federal Reserve.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 043 of Mortgage Beat

Police Mortgage CEO, John Aretos, speaks about the latest action by the Federal Reserve and what that may mean for lower mortgage interest rates the remainder of 2024 and the first quarter of 2025.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 042 of Mortgage Beat

Having a conversation with a loan officer if you are thinking of buying a home, even if that potential purchase is several months away, can be quite valuable. Dylan Walsh explains why.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 041 of Mortgage Beat

Dylan Walsh suggests getting ahead of probable rate cuts by obtaining a pre-approval from your loan officer before the competition for home buying increases.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 040 of Mortgage Beat

Dylan Walsh and John Aretos discuss the complexities of borrowing for a new construction.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 039 of Mortgage Beat

Vivian Abraham and Dylan Walsh join CEO John Aretos to discuss the prudence of buying the most house you could possibly afford. Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 038 of Mortgage Beat

Vivian Abraham and John Aretos discuss factors concerning school districts when it comes to property taxes and property values.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 037 of Mortgage Beat

Dylan Walsh and John Aretos discuss considerations of buying a property and the pre-approval process when a home owners' association is a part of the equation.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 036 of Mortgage Beat

Sometimes you just want to have a conversation. Police Mortgage loves having discussions with first responders concerning their home-buying needs. CEO John Aretos explains why.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 035 of Mortgage Beat

CEO John Aretos talks about the pros on cons of the "For Sale By Owner" strategy.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 034 of Mortgage Beat

Taking money out of your home to make upgrades may be prudent under certain circumstances. CEO John Aretos explains when it makes sense.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 033 of Mortgage Beat

There are two components of the final walk-through when buying a property. CEO John Aretos details both and talks about why the amount of earnest money plays a factor.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 032 of Mortgage Beat

Vivian Abraham and Dylan Walsh join CEO John Aretos to point out the fees some lenders charge for a pre-approval.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect.

To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.

Episode 031 of Mortgage Beat

Vivian Abraham and Dylan Walsh join CEO John Aretos to discuss the strategy of obtaining a mortgage today with an expectation of refinancing at a lower rate in 2025.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to policemortgage.com or call 312-499-8878.

NMLS #268165

Police Mortgage – For First Responders Who Are Second To None.