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Your Local Mortgage Broker

A Home Loan Designed For You

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

Welcome to Gezellig Financial

Gezellig (“heh-zell-ick”) a Dutch word that can be used to describe a person, place or a situation that is inviting, cozy and comfortable while delivering an overall positive and enjoyable experience.

Our company name is our culture, and it is everything you the customer should experience from the beginning of the loan process to the moment you walk through the front door of your new home. Whether your loan is a refinance or home purchase, our goal is to offer you an enjoyable loan experience that is trustworthy, easy, comfortable and efficient. Leaving you with no hidden fees, delays or unanswered questions.

Tell Us Your Story.

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

Let's Learn!

Please check out our 27 educational articles we put together..

As an education based mortgage company we strive to provide helpful information.

Visit our learning center to learn some great tips about buying a home.

Shopping for a New Home

A Step-by-Step Guide to Shopping for a New Home

Whether this is your first or tenth home purchase, shopping for a new home is an exciting time. It can…

Our clients are the foundation of our success.

3rd Party Client Reviews

Client reviews from around the internet.

Sell Your Home Faster: 7 Staging Techniques for Every Seller

Sell Your Home Faster: 7 Staging Techniques for Every Seller

When preparing to sell your home, staging can be a powerful tool to enhance its appeal and capture the interest of potential buyers. Effective staging not only highlights your home’s…

Summertime Home Maintenance: 6 Tips for a Trouble-Free Season

Summertime Home Maintenance: 6 Tips for a Trouble-Free Season

As temperatures rise, maintaining your home becomes crucial to ensure comfort and prevent costly repairs later. Here’s a concise guide to summertime home maintenance that will keep your living space…

Future of Outdoor Living: 2024 Trends to Watch

Future of Outdoor Living: 2024 Trends to Watch

As we look ahead to 2024, outdoor living continues to evolve, combining elegance with functionality. Homeowners are now seeing their outdoor spaces as extensions of their indoor living areas, equipped…

Boost Your Curb Appeal This Summer: 5 Essential Tips for Homeowners

Boost Your Curb Appeal This Summer: 5 Essential Tips for Homeowners

As summer approaches, enhancing your home’s curb appeal not only contributes to a welcoming atmosphere but can also significantly increase its market value. Here are some practical tips to ensure…

The Upsides of Downsizing: Is Less Really More?

The Upsides of Downsizing: Is Less Really More?

In an era where simplicity and minimalism are gaining momentum, downsizing has emerged as a compelling lifestyle choice for many. This trend goes beyond mere spatial considerations, reflecting a broader…

Top 5 Outdoor Living Trends to Watch For in 2024

Top 5 Outdoor Living Trends to Watch For in 2024

As we embrace 2024, the concept of outdoor living has evolved from traditional gardens and patios to sophisticated extensions of the indoor living space. Homeowners are now transforming their outdoor…

Prepare Financially for Homeownership In 5 Steps

Prepare Financially for Homeownership In 5 Steps

Embarking on the journey to homeownership is an exciting milestone, yet it requires meticulous financial preparation. Understanding the pathway to financial readiness can transform the dream of owning a home…

4 Ways Remote Work Has Impacted Home Design

4 Ways Remote Work Has Impacted Home Design

The global shift towards remote work has fundamentally reshaped home design, with an increasing demand for dedicated home offices. This transformation reflects the growing need for spaces that accommodate work-from-home…

Trends in Smart Home Tech: Embracing Smart Technology

Trends in Smart Home Tech: Embracing Smart Technology

The concept of smart homes has moved from futuristic fantasy to present-day reality, revolutionizing the way we interact with our living spaces. Smart home technology not only offers unparalleled convenience…

Designing a Home Office: 6 Ideas for Productivity & Comfort

Designing a Home Office: 6 Ideas for Productivity & Comfort

he shift towards remote work has underscored the importance of having a dedicated and well-thought-out home office space. A well-designed office can significantly enhance productivity, creativity, and overall well-being. Whether…

2024 Home Design Trends: The Future of Living Spaces

2024 Home Design Trends: The Future of Living Spaces

As we move further into the decade, the evolution of home design continues to captivate and inspire. The year 2024 marks a pivotal point in architectural and interior design trends,…

Maximizing Your Home’s Curb Appeal: 6 Top Tips for Sellers

Maximizing Your Home’s Curb Appeal: 6 Top Tips for Sellers

When it comes to selling your home, first impressions are everything. Curb appeal—the attractiveness of a property when viewed from the street—plays a pivotal role in attracting potential buyers and…

Understanding Mortgage Rates: Predictions and Trends for 2024

Understanding Mortgage Rates: Predictions and Trends for 2024

As we continue into 2024, prospective homebuyers and homeowners looking to purchase or refinance are keenly observing the mortgage rate trends. Understanding these rates is crucial as they directly impact…

Navigating Home Buying in the Winter Market: Advantages & Strategies

Navigating Home Buying in the Winter Market: Advantages & Strategies

Being in the mortgage industry we see and study the ebbs and flows of the housing market throughout the year. While spring and summer are traditionally seen as the peak…

First-Time Homebuyer Programs and Incentives: What’s New in 2024?

First-Time Homebuyer Programs and Incentives: What’s New in 2024?

Navigating the journey to homeownership can be a complex process, especially for first-time buyers. Fortunately, 2024 brings a suite of updated programs and incentives designed to make this journey smoother…

Unlocking Homeownership: Strategies to Afford a Down Payment

Unlocking Homeownership: Strategies to Afford a Down Payment

For many prospective homebuyers, saving for a down payment can be a significant hurdle on the path to homeownership. However, with careful planning and disciplined saving, achieving that down payment…

5 Crucial Questions to Ask a Mortgage Professional Before Buying a Home

5 Crucial Questions to Ask a Mortgage Professional Before Buying a Home

When it comes to purchasing a home, securing the right mortgage is a pivotal step in the process. To ensure you make informed decisions and choose the mortgage that best…

Renovating Before Listing: A Wise Investment or Unnecessary Expense?

Renovating Before Listing: A Wise Investment or Unnecessary Expense?

The decision to renovate a house before listing it for sale is a significant consideration for homeowners looking to maximize their property’s value and appeal to potential buyers. While renovating…

Finding Your Home Sweet Spot: How to Determine What You Can Afford

Finding Your Home Sweet Spot: How to Determine What You Can Afford

Before you embark on your journey to homeownership, it’s crucial to determine how much home you can afford comfortably without straining your finances. Here are some strategies to help you…

Home for the Holidays: The Perks of Buying a Home During the Festive Season

Home for the Holidays: The Perks of Buying a Home During the Festive Season

The holiday season is synonymous with warmth, joy, and the smell of freshly baked cookies. It might not be the first time that buying a home crosses your mind during…

Embracing Tomorrow: 6 Home Trend Ideas for 2024

Embracing Tomorrow: 6 Home Trend Ideas for 2024

As we step into the future of home design and functionality, 2024 promises a fascinating blend of innovation, sustainability, and a reimagining of living spaces. Here’s a glimpse into the…

Understanding PMI: Unveiling the Key to Homeownership

Understanding PMI: Unveiling the Key to Homeownership

Private Mortgage Insurance (PMI) is a critical element in the world of homeownership, particularly for those who may not have a substantial down payment. Let’s unravel the mystery behind PMI,…

Unlocking Financial Freedom: The Benefits of Buying Over Renting

Unlocking Financial Freedom: The Benefits of Buying Over Renting

In the perennial debate of renting versus buying a home, the scales are increasingly tipping in favor of homeownership. While renting provides flexibility, the benefits of buying extend far beyond…

Decoding Current Mortgage Rates: What Homebuyers Need to Know

Decoding Current Mortgage Rates: What Homebuyers Need to Know

For prospective homebuyers, understanding the dynamics of current mortgage rates is crucial in making informed decisions and securing the best financing options. As we navigate the real estate landscape in…

5 Mistakes To Avoid As A First-Time Home Buyer

5 Mistakes To Avoid As A First-Time Home Buyer

Embarking on the journey to homeownership is an exhilarating experience, but it comes with its share of challenges and pitfalls, especially for first-time buyers. To ensure a smoother and more…

How to Qualify for a Mortgage with Bad Credit: Tips and Strategies

How to Qualify for a Mortgage with Bad Credit: Tips and Strategies

Securing a mortgage with bad credit may seem like a daunting task, but it’s not impossible. While a lower credit score can pose challenges, there are strategies to improve your…

The Costs of Homeownership: Beyond Your Mortgage Payment, What You Can Expect to Pay

The Costs of Homeownership: Beyond Your Mortgage Payment, What You Can Expect to Pay

Becoming a homeowner is a significant and exciting milestone, but it’s essential to understand that the expenses extend far beyond the monthly mortgage payment. To ensure financial preparedness, let’s explore…

The Impact of Higher Mortgage Rates: What Homebuyers Need to Know

The Impact of Higher Mortgage Rates: What Homebuyers Need to Know

In the ever-changing landscape of the real estate market, one factor that significantly influences homebuyers is the fluctuation in mortgage rates. Recently, there has been a notable rise in these…

Demystifying the Mortgage Approval Process: A Step-by-Step Guide for First-Time Homebuyers

Demystifying the Mortgage Approval Process: A Step-by-Step Guide for First-Time Homebuyers

Embarking on the journey to homeownership is an exciting yet often daunting experience, especially for first-time buyers. The heart of this adventure lies in understanding the intricate steps of the…

Choosing the Right Mortgage: A Comprehensive Comparison of Loan Types

Choosing the Right Mortgage: A Comprehensive Comparison of Loan Types

Entering the realm of mortgages can feel like stepping into a labyrinth of choices. The key to successfully navigating this maze lies in understanding the different types of mortgages available.…

How to Improve Your Credit Score: A Roadmap to Financial Wellness

How to Improve Your Credit Score: A Roadmap to Financial Wellness

Your credit score is the key that unlocks many financial opportunities, from securing a mortgage to obtaining low-interest loans. If your credit score isn’t where you want it to be,…

10 Ways to Save Energy in Your New Home

10 Ways to Save Energy in Your New Home

Congratulations on your new home! As a new homeowner, you have the opportunity to not only make your space comfortable and inviting but also to make it energy-efficient. Energy efficiency…

10 Things To Do After Buying A Home

10 Things To Do After Buying A Home

Congratulations on your new home! Becoming a homeowner is an exciting milestone, but it also comes with a list of responsibilities. To ensure your transition into your new abode is…

5 Things to Consider Before Buying a Foreclosed Home

5 Things to Consider Before Buying a Foreclosed Home

In today’s challenging housing market, the allure of purchasing a foreclosed home at a lower cost can be irresistibly enticing. After all, who wouldn’t want to snag a property for…

How Much House Do You Really Need?

How Much House Do You Really Need?

A common dilemma that many potential homebuyers face: determining how much house they truly need. In a world where “bigger is better” has often been the prevailing sentiment, it’s essential…

The Top Mistakes to Avoid When Applying for a Mortgage: Tips for a Smooth Approval Process

The Top Mistakes to Avoid When Applying for a Mortgage: Tips for a Smooth Approval Process

Securing a mortgage is a significant step in the home buying journey, and avoiding common mistakes during the application process is essential for a smooth approval experience. As a mortgage…

What Makes a Mortgage Broker or Lender Trustworthy? Evaluating Reputation, Expertise, and Customer Service

What Makes a Mortgage Broker or Lender Trustworthy? Evaluating Reputation, Expertise, and Customer Service

Choosing the right mortgage broker or lender is a critical step in the homebuying process. Your financial well-being and the success of your homeownership journey depend on finding a trustworthy…

Mortgage Rates and Trends: What You Need to Know to Make Informed Decisions

Mortgage Rates and Trends: What You Need to Know to Make Informed Decisions

When it comes to purchasing a home or refinancing your existing mortgage, understanding mortgage rates and trends is essential for making informed financial decisions. As a mortgage professional, I’m here…

How to Navigate the Homebuying Process: A Step-by-Step Guide for First-Time Buyers

How to Navigate the Homebuying Process: A Step-by-Step Guide for First-Time Buyers

Are you ready to take the exciting leap into homeownership? As a mortgage professional with years of experience in the real estate market, I understand that purchasing your first home…

What Should I Do First: Sell My Home or Buy a New Home?

What Should I Do First: Sell My Home or Buy a New Home?

If you are moving due to a new job, relocating cities, needing a larger or smaller home, or any other reason, it can be tricky to time things just right.…

What Credit Score Do I Need to Get a Mortgage?

What Credit Score Do I Need to Get a Mortgage?

Generally, a credit score of 620 or higher will get the best terms for a mortgage. A higher credit score can make the underwriting and approval process faster and easier,…

How Long Does It Take to Buy a Home?

How Long Does It Take to Buy a Home?

The exact time that it takes to get from the home search process to turning the key and walking into your new home can vary. Generally, it’s best to estimate…

First Steps to Buy a Home

First Steps to Buy a Home

If you’ve been dreaming of owning your own home, you may be ready to start looking for something with a dreamy master bedroom, plenty of outdoor entertaining space, and a…

Getting Pre-Qualified for a Housing Offer

Getting Pre-Qualified for a Housing Offer

If you’re getting ready to start your housing search, there are a few documents that can be helpful to have on hand. These can make the offer process much faster…

How Much Do You Need as a Down Payment on a House?

How Much Do You Need as a Down Payment on a House?

In the market to purchase a home? You may be wondering how much you need to save for a down payment. Typically, 20% of the purchase price  is needed for…

What’s the Deal with Raising Rent?

What’s the Deal with Raising Rent?

Whether you are a renter or a landlord, you’ve probably thought about rents raising and wondered if it’s the right thing for your situation. There are a few questions on…

When to Call Your Property Manager

When to Call Your Property Manager

Property managers can be a great resource when it comes to enjoying your home without worry. Here are a few situations when a quick phone call can make your life…

Working with a Local Real Estate Broker

Working with a Local Real Estate Broker

For those in the market for a new home or looking to sell their current home, there are a lot of real estate terms to learn. Whether you’ve gone through…

What is a Property Sales Report?

What is a Property Sales Report?

A Property Sales Report is a document that details information about a specific property. This includes the current status and estimates as well as historical information about past sales and…

Are There Any Extras Included when I Buy Real Estate?

Are There Any Extras Included when I Buy Real Estate?

You’ve hashed out the details of buying a home. From price per square foot to insurance premiums, you know exactly what you’re getting and what it will cost. But what…

Can I Be My Own Real Estate Agent?

Can I Be My Own Real Estate Agent?

Yes, you can act as your own real estate agent. Anyone can represent themselves in a real estate transaction, even if they are not a licensed real estate agent. As…

3 Ways to Save Money By Making Your New Home Energy Efficient

3 Ways to Save Money By Making Your New Home Energy Efficient

Energy is one of the biggest ongoing expenses for homeowners. Fortunately, there are ways to decrease your energy bills by making your new home more energy efficient. As a homeowner,…

Why You Need a Real Estate Agent to Find Your Dream Home, And How to Find One

Why You Need a Real Estate Agent to Find Your Dream Home, And How to Find One

Everyone wants to buy their dream home. You can picture it in your mind, you just need to find it in real life. Making that happen is not as easy…

Home Trends in 2023

Home Trends in 2023

Now that we are approaching the halfway point of 2023, there are a few trends that have come up in the home buying and selling industry.  Flexible Use Space Home…

Using Technology to Market Your Home

Using Technology to Market Your Home

Getting ready to list your home for sale? There are a few technology resources that will help you make the most of your marketing efforts. Whether you are working with…

Understanding the National Association of Realtors

Understanding the National Association of Realtors

If you have considered buying or selling a home, you may have talked to a real estate professional about how they can help you with the process. A real estate…

What to Know about an Earnest Money Deposit

What to Know about an Earnest Money Deposit

As you get ready to buy a home, there are a lot of terms to know. One of the first that you will come across is Earnest Money Deposit. What…

When Should I List My Home for Sale?

When Should I List My Home for Sale?

Thinking about selling your home? While each local area can vary (and a great real estate agent can help you learn about the specific trends in your community), there are…