Business Details
29 Years
experience
Your Trusted Mortgage Brokers in Fairlawn, OH
The Mortgage Guys have been serving Northeast Ohio homebuyers since 1997 with personalized mortgage solutions. Our team of experienced professionals specializes in connecting borrowers with tailored loan options through our extensive national lender network. With over 30 years of combined industry expertise, we focus on helping first-time buyers, self-employed individuals, and those with unique financial situations achieve homeownership. Our approach emphasizes clear communication, eliminating industry jargon, and guiding clients through every step of the mortgage process. We maintain strong relationships with multiple lending institutions to offer competitive rates and flexible terms.Our commitment to individualized service has helped thousands of clients secure financing when traditional banks could not accommodate their needs. We operate from our Fairlawn, Ohio headquarters while serving clients across multiple counties including Summit, Cuyahoga, and Franklin. Our business model as an independent broker allows us to prioritize client needs over institutional constraints. This independence enables us to create customized mortgage solutions rather than forcing clients into standardized products. Our track record demonstrates consistent success in helping clients overcome credit challenges and secure favorable loan terms.
Services
FHA Financing
VA Loans
Conventional Mortgages
Rural Development Loans
Jumbo Loans
Bridge Financing
Commercial Loans
First-Time Buyer Programs
Refinance Options
Streamlined Loan Process
Details
- Year established: 1997
Highlights and features
- We offer 30+ years of combined mortgage industry experience
- Our team customizes loan solutions for unique financial situations
- We maintain a 95% approval rate for qualified borrowers
- We provide personalized guidance through the entire mortgage process
- Our broker model accesses more loan options than traditional banks
What people say
Smooth process
Helped with credit issues
Personalized service
Knowledgeable team
Quick approval
Services
FHA Financing
FHA loans provide accessible homeownership opportunities with low down payment requirements starting at 3.5%. These government-backed mortgages include mortgage insurance premiums that are often tax-deductible. Our specialists help clients navigate FHA loan requirements and secure favorable terms through our lender network.
VA Loans
We specialize in VA loan programs for eligible veterans and service members. These zero-down-payment options require no private mortgage insurance. Our team assists military clients with the unique documentation requirements and benefit maximization for home purchases and refinancing.
Conventional Mortgages
Our conventional loan options include both conforming and jumbo loan programs. We help clients with 5% down payments or equity positions access competitive rates. We offer mortgage insurance optimization strategies to reduce long-term costs for qualified borrowers.
Rural Development Loans
We facilitate USDA Rural Development loans for eligible properties with zero down payment options. Our team verifies property eligibility and guides clients through income qualification requirements. These loans offer favorable terms for qualified buyers in designated rural areas.
First-Time Buyer Programs
Our first-time homebuyer programs include down payment assistance options and educational resources. We help clients with limited credit history or small down payments navigate loan qualification requirements. Our specialists connect buyers with local and national assistance programs to make homeownership achievable.
People
Jeff Jaklitsch
Owner
Jeff Jaklitsch has 28 years of mortgage industry experience. He founded The Mortgage Guys to provide personalized loan solutions after recognizing gaps in traditional banking services. Jeff specializes in creative financing options for non-traditional borrowers.
Mark Kubek
Owner
Mark Kubek brings 25 years of mortgage expertise to The Mortgage Guys. He focuses on client education and streamlining the loan process. Mark's background in traditional mortgage institutions informs his approach to alternative financing solutions.
Questions
What mortgage options exist for buyers with poor credit?
We specialize in non-prime loans and alternative credit verification methods. Our lenders consider extenuating circumstances and work with clients to improve credit profiles while securing financing.
Can I buy a home with no down payment?
Yes, we offer VA loans and USDA Rural Development loans that allow zero down payment options for qualified applicants. We'll help determine your eligibility and guide you through the process.
How does your mortgage brokerage differ from banks?
As independent brokers, we access multiple lenders and loan programs rather than offering only our institution's products. This allows us to find the best fit for your specific financial situation.
What documentation is needed for self-employed borrowers?
We typically require two years of tax returns and profit/loss statements. Our team works with specialized lenders who understand non-traditional income verification requirements for business owners.
Do you offer refinancing options?
Yes, we provide rate-and-term refinancing, cash-out options, and streamline programs for existing FHA/VA loans. Our specialists analyze your goals to determine if refinancing makes financial sense.
How long does the mortgage process take?
Our average closing time is 30-45 days. As a broker, we can often expedite the process through our lender relationships and streamlined documentation requirements.
