Stop overpaying for your mortgage. I build a personalized loan plan around your goals, with fast approvals, competitive rates, and concierge service a bank simply can't match.
You get a dedicated expert who tunes every detail of your loan, not a call-center quote and a runaround.
Initial approvals on conventional and FHA in as little as 15 minutes,* and an average clear-to-close of just 16 days.
As a broker I shop multiple investors to match the pricing and program to your file, not a one-size-fits-all rate sheet.
Direct access to me by call, text, or email, including weekends. One expert, plain language, start to finish.
I'm Gregory Zajaczkowski, the Mortgage Mechanic. Working with Hoot Home Loans, I treat your mortgage like a machine to be tuned: I understand your goals, then engineer a loan that fits your life and budget. From first-time buyers to seasoned investors, you get guidance, support, and honest expertise at every step.
"Greg made our first home purchase feel easy. He explained every option in plain English and got us cleared to close faster than we expected."
"As a self-employed buyer I'd been turned down before. Greg found a bank-statement loan that actually worked for my income. Can't recommend him enough."
"Refinanced and lowered our payment with zero stress. Greg kept us updated at every step and answered texts even on the weekend."
From first-time buyers to self-employed investors, there's a loan tuned to your situation.
Stable, competitive financing for buyers with strong credit, for primary homes, second homes, and investments.
Flexible credit and low-down-payment financing backed by the Federal Housing Administration.
Exclusive benefits for eligible Veterans, active-duty service members, and surviving spouses.
Government-backed financing for eligible rural and suburban homes, an affordable path to ownership.
Qualify on rental cash flow or bank statements, not tax returns. Built for entrepreneurs and portfolio growth.
Financing above conforming limits, with premium underwriting and competitive terms for luxury properties.
Restructure your mortgage to lower your rate, reduce your payment, or tap your home's equity.
Solutions for scenarios other lenders turn away, because the right structure beats a flat "no."
Tell me about your goals and I'll tune the right program to your situation.
Adjust the numbers for a quick monthly estimate. Want an exact quote? It's one form away.
Estimates only. Actual payment depends on program, credit, and final terms. Not a commitment to lend.
A clear, guided path from first conversation to closing day.
We talk through your goals, budget, and options so you know exactly where you stand, with no pressure and no jargon.
Complete a simple, secure application. I handle the heavy lifting and keep you in the loop at every milestone.
Finalize your mortgage and get the keys. Average clear-to-close: just 16 days.
Unparalleled realtor support, powered by service and technology that simplify the process and keep your deals on track.
Reach me instantly by call, text, or email, with constant, clear communication.
I'm here when your clients need answers, even on weekends.
Every buyer gets concierge-level attention from start to close.
You're always in the loop, with no chasing and no surprises.
Pick a time that works for you and we'll map out your best loan options together. No obligation, just clear answers.
Calendar not loading? Open my booking page in a new tab →
Tell me about your goals and I'll follow up with a tailored plan, usually within one business day.
Your request is on its way. I'll reach out shortly, usually within one business day.
A fixed-rate mortgage keeps the same interest rate for the entire loan term. An adjustable-rate mortgage (ARM) starts with a set period, then the rate can change periodically based on market conditions.
It depends on your income, credit score, debt-to-income ratio, and loan type. I'll help you assess your full financial picture and pinpoint the right amount. Start with the calculator above for a quick estimate.
Absolutely. Working with self-employed borrowers is a specialty. Bank-statement and DSCR programs let you qualify on cash flow rather than tax returns, so complex income doesn't stand in your way.
Initial approvals on conventional and FHA can come in as little as 15 minutes,* with an average clear-to-close of about 16 days. Your exact timeline depends on loan type and your situation, and I keep you informed throughout.
I'm licensed to originate mortgages in Florida, Texas, and Arizona. If you're buying or refinancing in any of those states, let's talk.
