Michael Lozar, Mortgage Loan Officer - Bellingham (PTF Financial Corp. - My Mortgage Company)

1313 E. Maple St

Suite 205

Bellingham , WA 98225




The Mortgage Go To Guy! . . . The mortgage industry is always changing; please permit me to navigate you through the maze. Get out of an ARM by refinancing. New home loans & commercial loans too!

Get to know Michael Lozar

Are you being strong-ARM-ed with a high interest ARM? Seeking financing for a dream home, waterfront lot, new construction, pay for a wedding, pay off high-interest credit cards, or finance a car or boat with tax-deductible home equity?

We work with DOZENS of lenders, with competitive rates and terms to work for YOUR best interest.

PTF Financial-My Mortgage Company is a lender and mortgage broker licensed as a consumer loan company in Washington State. We also do business in twenty-seven other states. 

Bring in your 'Good Faith Estimate' from any bank, loan company, or mortgage broker and allow me an opportunity to work a better loan package for you!

Refinance FHA & VA ConventionalDebt Consolidation 50 Year JumboLot/LandConstruction Interest Only 100% Financing ManufacturedReverse Mortgage

Don't delay, call Michael today!

Bellingham is where our office is located; however, we broker and also have ability to fund mortgage loans for Whatcom County, Skagit County, Snohomish County, King County, and all counties in Washington State.

Do you have a second home, vacation home, rental home, or investment property in Arizona, California, Oregon, or other states? We can do business in twenty-eight states!   Bellingham mortgage loan equity home loan officer single parents first time buyers fha va conventional Whatcom Skagit interest rate terms points closing fees title company escrow reserves insurance  

Michael Lozar's Blog Posts

Certifications

Rapid Rescoring: We may be able to assist improve your FICO credit scores. Our software will import and analyze your credit report. It then makes suggestions on what credit cards to pay down, etc. to try and improve your FICO score. Once the suggestions have been implemented, we request a rescoring of your credit profile. Within 72 hours an answer is received!  ApproachingRetirement: One overwhelming question for people approaching retirement is "Should we pay down, pay off, or continue our mortgage in our retirement years?" I am uniquely qualified to assist seniors, and early retirement candidates, examine their options to determine the solution to that question.Reverse mortgages are one option for those age 62 or older (or should that be wiser).   Self-Employed:  Running a small business? Let's make sure we follow the protocol for documentation, to acquire a lower loan rate!   Long Distance: Living outside of the Bellingham, Whatcom, or Skagit county area? We are not geographically challenged! I have worked on a home loan with two teachers based in China. Through special utility programs and high-tech devices we can proceed with most of your loan application and process without you being here in person. Need to have a relative or other person with ‘Power of Attorney’ to intercede? We can work with them also.  Home Equity Strategies: Question: What is the rate-of-return on the equity trapped in your home? Answer: Zero. That's correct, it doesn't matter if you have $1,000 or $320,000 of equity in your home. Your home continues to appreciate at the current market rate, no matter how little, or how much, equity it has. By separating  equity from a home, equity can be put to work EARNING money! Increase your liquidity, safety, possibly the rate-of-return, and be better positioned with tax-favored strategies by liberating the equity from your home.   As a loan consultant, prior Realtor, prior tax preparer with H&R Block, and real estate investor - - I have a wealth of knowledge to help increase your wealth!