About Sham Shibli
Experience, Knowledge & a Personal Touch in Mortgage Financing
Hi, I’m Sham Shibli, a Senior Loan Officer at Madison Mortgage Services Inc., helping homebuyers, homeowners, self-employed borrowers, business owners, and real estate investors explore mortgage financing options that fit their unique financial goals.
I believe getting a mortgage should be a personal and transparent experience, not a cookie-cutter process. Every borrower has a different financial situation. Two people buying homes at the same price may have completely different income, credit history, assets, employment, and long-term goals.
My role as a mortgage loan officer is to understand your complete financial picture, explain your available home loan options clearly, and help you make an informed financing decision.
Mortgage Options for Different Financial Situations
Whether you’re buying your first home, purchasing an investment property, refinancing your existing mortgage, or looking for financing as a self-employed borrower, having access to multiple mortgage programs can make a difference.
Through Madison Mortgage Services Inc., I have access to multiple wholesale lenders and a broad range of mortgage loan programs, including:
Conventional Loans
FHA Loans
Bank Statement Loans
P&L Loans
Non-QM Mortgage Loans
DSCR Loans
Investment Property Loans
Home Purchase Loans
Mortgage Refinance Options
Working with multiple wholesale lenders allows me to explore different mortgage programs and lending solutions rather than limiting every borrower to the guidelines of a single lender.
Mortgage Financing for Complex Situations
Have a complicated mortgage situation? That’s exactly where a personalized approach can help.
Self-employed income, multiple sources of income, business ownership, multiple properties, unique income documentation, and investment property financing can sometimes require a more detailed review than a traditional mortgage application.
I take the time to understand the full financial picture, identify potential challenges, and explore mortgage financing options that may work for your specific circumstances.
If you’re a self-employed homebuyer, business owner, real estate investor, or borrower with a non-traditional income situation, I’m here to help you understand your options.
My Background
Mortgage financing can involve complicated terminology, guidelines, and financial details. I believe that information should be explained in a way that is simple, clear, and easy to understand.
You shouldn’t just be told which mortgage program is available to you. You should understand why it may or may not be the right option for your financial situation.
My goal is to help you make mortgage decisions with greater clarity and confidence.
Technology has made the mortgage process faster and more convenient, but I don’t believe it should replace personal service and direct communication.
When you have questions about your mortgage, you should know who to contact.
That’s why I make myself available directly by phone and text. Whether you’re purchasing a home, refinancing your mortgage, exploring an investment property loan, or simply trying to understand your financing options, I want you to feel informed throughout the process.
Why I Created MortgageOptions.info
I created MortgageOptions.info as an educational resource to help borrowers better understand their mortgage and home loan options.
Buying a home, refinancing a mortgage, or investing in real estate can be one of the biggest financial decisions you make. Understanding your financing options can help you approach that decision with greater confidence.
Through MortgageOptions.info, my goal is to provide straightforward information about mortgage financing, home loans, refinancing, investment property financing, and different mortgage programs so borrowers can better understand their choices.
Your Mortgage Goals. Your Financial Situation. Your Options.
Whether you’re a first-time homebuyer, current homeowner, self-employed borrower, business owner, or real estate investor, your financing needs are unique.
My approach is simple: understand your situation, explain your options, and help you explore a mortgage solution aligned with your goals.
If you’re ready to explore your mortgage options, let’s start the conversation.
Sham Shibli
Senior Licensed Mortgage Professional
My professional background includes experience in Education and Technology, where helping people understand complex information and make informed decisions has always been important to me.
I bring that same philosophy to mortgage financing. I believe knowledge empowers borrowers, and I take the time to understand each client's situation, explain their options clearly, and help them make an informed decision.
FHA
The lowest and most competitive rates for the FHA loan program. In many cases no overlays and it helps to qualify a borrower easily. Many lenders accept borrowers who has credit as low as 500. Some lenders provide the most competitive rates.
Conventional
There are many conventional programs to choose from. The most flexible programs are HomeReady and HomePossible. Borrower can use even boarders an income to qualify. It is an excellent program for first time home buyers.
Mortgage Education
The best way to enlighten ourselves is through education. This blog would continue to add new articles for borrowers education. If you would like to know about a specific topic , please email me and I will get back to you as soon as possible.
Key benefits
Contact
Sham Shibli
NMLS# 1495518
Madison Mortage
NMLS # 1862796
900 Stewart Ave, Suite 310
Garden City, NY 11530
