• Joseph Siwinski

    Joseph Siwinski

    President
    NMLS# 223856

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    Loan Type Down Payment Terms Mortgage Insurance
    Fixed Rate Mortgage
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    5% 15 or 30 years, fixed No (if under 80% loan-to-value)
    FHA Loan
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    3.5% 10, 15, 20, 25 or 30 years, fixed and adjustable Yes
    VA Loans
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    None 15, 20, 25 or 30 years, fixed and adjustable No
    Jumbo Loans
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    20% 15 or 30 years, fixed and adjustable No
    Rural Housing (USDA) Loans
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    None 30 years, fixed No (Up-Front Guarantee Fee financed into loan)
    FHA 203(k) Loan
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    3.5% 30 years, fixed Yes
    Adjustable Rate Mortgage (ARM)
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    Varies 3/1, 5/1, 7/1 or 10/1 Varies
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    Contact Joseph Siwinski

    Joseph Siwinski

    11104 Front Street (Unit 2D)
    Mokena, Illinois 60448
    (708) 478-8400
    NMLS# 223856

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