Tom Stachelski

Tom StachelskiTom StachelskiTom Stachelski

Tom Stachelski

Tom StachelskiTom StachelskiTom Stachelski
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Professional Mortgage Services

Tom Stachelski, showcasing bold style and confidence in every step.

Home Purchase

 Whether you’re buying your first home, upgrading, or expanding your real estate portfolio, I provide tailored financing options designed to fit your goals and timeline. My focus is on making the purchase process smooth, transparent, and efficient from pre-approval to closing. 

Cash-Out Refinance

Unlock the money sitting in your home. Whether you need cash for home improvements, debt payoff, or new investments, our cash-out refinance programs put your equity to work—fast.

Rate & Term Refinance

Lower your rate, shorten your term, or both. We help homeowners refinance their mortgage to save thousands over the life of the loan—without the hassle.

Self-Employed & Non-Traditional Borrowers

Entrepreneurs and gig workers welcome. I specialize in mortgage approvals for 1099 income, bank statement loans, and self-employed clients.

High-Net-Worth Lending

Customized lending strategies for investors and wealth-builders. I can help you leverage real estate without interrupting your portfolio.

Free Mortgage Consultation

Not sure where to start? Book a free call. In 15 minutes, we’ll break down your options and build a custom plan—no pressure, just clarity.

Reverse Mortgages

Unlock tax-free cash without selling your home. I offer reverse mortgage solutions—including options most lenders don’t. Whether you’re looking to eliminate monthly payments, access equity, or create a flexible retirement plan, I deliver customized strategies with nationwide reach and expert support.

DSCR Loans for Real Estate Investors

No tax returns. No income verification. Just the property’s cash flow. DSCR (Debt Service Coverage Ratio) loans are built for real estate investors who want to scale fast. I fund across the U.S. with flexible terms, low down payments, and fast closings—even on short-term rentals or multi-unit properties.

CASH Wholesale Loans

 Not everyone fits the traditional lending mold — and that’s okay. With our Cash Wholesale Loan options, you can qualify based on your verified assets or money in the bank rather than standard income documentation. These programs are ideal for self-employed borrowers, investors, or clients with strong liquidity who want flexible financing solutions without the red tape of conventional loans. 

Lower Credit Score

 Everyone’s financial story is different — and credit challenges shouldn’t stand in the way of homeownership. I work with programs designed to help borrowers with lower FICO scores find practical paths to financing, offering guidance, transparency, and loan options that make sense for their situation today and their goals tomorrow. 

Interest-Only Mortgage

For clients who want flexibility and control over their cash flow, interest-only loan programs can be a powerful tool. These options allow you to make interest-only payments for an initial period — keeping monthly payments lower while freeing up capital for investments, renovations, or other financial goals.


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