Business Details
18 Years
experience
Trusted Mortgage Solutions for First Responders
Police Mortgage was founded in 2008 with a singular mission: to serve first responders through tailored mortgage solutions. As a subsidiary of National Police Federal Credit Union, we leverage over 85 years of institutional expertise to provide competitive loan products and exceptional service. Our team of seasoned professionals specializes in navigating the unique financial needs of law enforcement officers, firefighters, and public-safety professionals. With decades of combined experience in mortgage banking and a deep understanding of first responder challenges, we deliver customized terms, streamlined processes, and low-down payment options. Our commitment to excellence is demonstrated through our 98% client satisfaction rate and thousands of successful home purchases and refinances.We maintain rigorous compliance with all federal and state lending regulations while continuously innovating our product offerings. Our leadership team brings over 100 years of combined industry experience, ensuring every client receives expert guidance throughout their homeownership journey. We prioritize transparent communication, ethical lending practices, and ongoing education to empower informed financial decisions. Our track record of successful loan closings and satisfied clients underscores our position as a trusted partner in first responder communities nationwide.
Services
Conventional Loans
FHA Loans
VA Loans
Loan Protection
Refinancing
Details
- Year established: 2008
Highlights and features
- We specialize in mortgage solutions for first responders with 15+ years of industry experience
- Our team includes NMLS-certified loan officers with specialized training in public safety financing
- We offer exclusive benefits like the Killed in the Line of Duty Loan Protection at no cost
- Our streamlined process achieves average closing times 30% faster than industry standards
- We provide down payment options as low as 0% for qualified VA loan applicants
Associations and certifications
- NMLS
What people say
Exceptional service
Knowledgeable staff
Streamlined process
Specialized programs
Successful home purchases
Services
Conventional Loans
Conventional mortgages offer low closing costs and competitive rates for borrowers with strong credit. First-time buyers qualify with 3% down while repeat buyers need 5%. Private mortgage insurance automatically cancels at 22% equity. These loans suit primary residences, second homes, and investment properties with flexible occupancy options.
FHA Loans
FHA loans enable home purchase with 3.5% down and credit scores as low as 580. Mortgage insurance remains throughout the loan term. Ideal for buyers with limited credit history or lower income. Allows qualification using rental income from multi-unit properties while requiring primary residence occupancy.
VA Loans
VA loans provide 0% down financing for qualified veterans on properties up to four units. No mortgage insurance required with funding fees (2.3-3.6%) financed into the loan amount. Designed for primary residence occupancy with flexible underwriting standards. Available for first-time and repeat homebuyers.
Loan Protection
Killed in the Line of Duty Loan Protection cancels up to $850,000 in mortgage debt at no cost for sworn law enforcement officers. Automatically included on eligible loans with no application required. Provides financial security for families in case of duty-related fatalities. Available for primary residence mortgages.
Refinancing
Refinancing options reduce monthly payments or access home equity. Requires updated financial documentation including recent pay stubs, tax returns, and current mortgage statements. Process typically completes within 30-45 days with potential rate reductions based on market conditions and borrower creditworthiness.
People
John Aretos
CEO
John Aretos has led Police Mortgage since 2008 with 25+ years mortgage industry experience. A graduate of Indiana University, he previously worked in restaurant management before transitioning to finance. He oversees all operations and product development while maintaining client relationships.
Patrick Doah
Loan Officer
Patrick Doah joined Police Mortgage in 2020 with a family legacy in law enforcement. A University of Illinois graduate, he specializes in first-time homebuyer programs while leveraging Chicago-area market knowledge to assist clients with property purchases.
Dylan Walsh
Loan Officer
Dylan Walsh has served as Loan Officer since 2015 after transitioning from marketing. He trained directly under CEO John Aretos and opened the St. Louis office in 2021. Specializes in VA loan programs for military veterans and active personnel.
Connor Walsh
Loan Officer
Connor Walsh joined Police Mortgage in 2021 following a decade in sales and marketing. He focuses on streamlining the loan process for busy professionals while managing client relationships across multiple states. Prior experience includes senior account management at Ricoh North America.
Vivian Abraham
Loan Officer
Vivian Abraham brings 10+ years banking experience to Police Mortgage. She previously managed credit union branches before transitioning to mortgage services. Specializes in financial wellness education and serves as liaison for Chicago Police Department members seeking homeownership.
Questions
What credit score is required for pre-approval?
Minimum scores are 620 for conventional loans and 580 for FHA/VA loans.
How do I apply for pre-approval?
Submit a completed application, two pay stubs, two W2s, bank statements, and ID via email.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate while pre-approval requires verified documentation and credit check.
What down payment amounts are required?
Conventional loans require 3-5%, FHA 3.5%, and VA loans allow 0% down payment.
What loan types do you offer?
We provide conventional, FHA, VA, and specialized protection loans for first responders.
Do you offer refinancing options?
Yes, we offer competitive refinancing with streamlined documentation requirements.
