Mortgage Solutions for Home Buyers & Real Estate Investors
First-Time Buyers • Self-Employed Borrowers • Bank Statement • Non-QM • DSCR
Whether you're buying your first home, moving to your next home, self-employed, or investing in real estate, we'll help you explore mortgage options that fit your goals.
Sham Shibli | Senior Loan Officer | NMLS #1495518
Madison Mortgage Services Inc. | NMLS #1862796
Call or Text: (646) 979-0099
Find the Right Mortgage for Your Situation
Why Work With a Mortgage Brokerage?
One lender doesn't fit every borrower.
As a Loan Officer with Madison Mortgage Services Inc., a mortgage broker, I have access to multiple wholesale lenders offering different loan programs, pricing, and qualification options. Instead of being limited to the mortgage products offered by one bank or lender, I can explore multiple options to help find financing that fits your individual situation and goals.
Access to Multiple Wholesale Lenders
Working with a mortgage brokerage gives me access to a network of wholesale lenders. Different lenders may have different rates, programs, credit requirements, income guidelines, and property requirements.
More Loan Options
Every borrower is different. Depending on your qualifications and needs, we can explore a variety of financing options, including:
- Conventional Loans
- FHA Loans
- Bank Statement Loans
- Profit & Loss (P&L) Programs
- Non-QM Loans
- DSCR Loans
- Investment Property Financing
- Purchase and Refinance Options
Competitive Rate & Pricing Options
Having access to multiple wholesale lenders allows us to compare available rates, pricing, loan programs, and qualification requirements rather than being limited to the offerings of a single lender.
Solutions for Unique Situations
Self-employed? Multiple sources of income? Own several properties? Building a real estate portfolio? Credit situation a little different?
A mortgage option that may not work with one lender could potentially work with another. Having access to multiple lenders gives us more opportunities to explore solutions for both straightforward and more complex mortgage scenarios.
One Application. Multiple Lending Options.
You don't have to go from bank to bank trying to determine which mortgage program fits your situation. We can explore available options from multiple wholesale lenders and help you determine which financing solution may be appropriate for your goals.
CLIENT TESTIMONIALS
What Our Clients Say About Us
Real experiences from homeowners we've helped.
★★★★★
Nina Parvin
★★★★★
Dilruba Ahmed
To whom it may concern,
Sham was great to work with, I recommend him 100%.
I really enjoyed working with Sham Shibil. He was a very attentive lender. When dealing with Sham, he was always professional. I felt like he kept my best interest in my mind always and was willing to answer all my questions. Sham went above and beyond to deliver me a great service. I would definitely recommend him as a lender if you are looking to purchase a new home. I would definitely use him again in the future.
Best wishes,
Aretha
