Business Details
18 Years
experience
Trusted Mortgage Solutions for First Responders
Founded in 2008, Police Mortgage operates as a specialized mortgage company dedicated to serving first responders and their families. As a subsidiary of National Police Federal Credit Union, we bring decades of industry expertise and a deep understanding of the unique financial needs of law enforcement officers, firefighters, and EMTs. Our team of seasoned professionals offers tailored mortgage solutions, including conventional, FHA, and VA loans, designed to simplify the homebuying process.With a focus on competitive rates, low down payment options, and exceptional service, we prioritize client satisfaction and financial empowerment. Our commitment to innovation is evident in exclusive benefits like the End of Watch Loan Protection, which provides critical debt cancellation coverage at no cost. By combining personalized guidance with streamlined processes, we ensure clients achieve their homeownership goals with confidence and ease.
Services
Conventional Loans
FHA Loans
VA Loans
End of Watch Loan Protection
Killed in the Line of Duty Protection
Details
- Year established: 2008
Highlights and features
- We offer 25+ years of mortgage industry expertise tailored to first responders.
- Our team provides customized loan terms and exclusive debt cancellation benefits.
- We guarantee quick, streamlined closings with competitive interest rates.
- Our client-centric approach includes personalized guidance from NMLS-certified professionals.
- We specialize in low down payment options for law enforcement and military veterans.
What people say
Professional, helpful team
Seamless mortgage process
Incredible interest rates
Quick closing timeline
Exclusive first responder benefits
Services
Conventional Loans
Conventional loans provide low down payment options (3-5%) and competitive rates for first-time and repeat homebuyers. These mortgages suit borrowers with strong credit scores and stable income, offering flexibility for primary residences, second homes, or investment properties. Our streamlined underwriting ensures faster approvals without the delays of government-backed loans.
FHA Loans
FHA loans cater to borrowers with lower credit scores (minimum 580) or limited down payment capacity (3.5%). Designed for first-time buyers, these government-insured mortgages allow qualification using rental income from multi-unit properties. We guide clients through the process, ensuring compliance with FHA property standards and occupancy requirements.
VA Loans
VA loans offer 0% down payment and no mortgage insurance for qualified veterans and active-duty personnel. Our team specializes in navigating VA funding fees (2.3-3.6%) and eligibility requirements, ensuring seamless access to this benefit. These loans support primary residence purchases up to four units with competitive, negotiable terms.
End of Watch Protection
This exclusive program cancels up to $850,000 in mortgage debt for first responders who die in the line of duty. Available at no cost, it covers active officers, firefighters, and EMTs with qualifying loans. Our team ensures clear communication of eligibility criteria and handles claims with sensitivity and urgency.
Killed in the Line of Duty Protection
This benefit waives mortgage balances for sworn law enforcement officers who die due to duty-related incidents. We coordinate with families to expedite documentation and provide compassionate support during difficult times. The program reflects our commitment to protecting those who serve their communities.
People
John Aretos
CEO
With 25+ years in mortgage banking, John leads Police Mortgage's mission to serve first responders. A graduate of Indiana University, he combines industry expertise with a passion for client advocacy, ensuring tailored solutions and competitive products.
Patrick Doah
Loan Officer
A second-generation Chicago Police Officer family member, Patrick specializes in first-time homebuyer programs. He leverages local market knowledge to guide clients through efficient closings, prioritizing transparency and personalized service.
Dylan Walsh
Loan Officer
Dylan brings five years of mortgage expertise, trained directly by CEO John Aretos. He focuses on simplifying the loan process for first-time buyers, combining technical knowledge with a client-first approach to achieve successful outcomes.
Connor Walsh
Loan Officer
Transitioning from sales leadership, Connor applies organizational skills to mortgage services. He emphasizes efficiency and communication, collaborating with his brother Dylan to deliver coordinated support for borrowers navigating complex transactions.
Vivian Abraham
Loan Officer
With a decade in banking, Vivian specializes in financial wellness for first responders. Her background managing credit union branches informs her holistic approach to mortgage advising, balancing technical expertise with community-focused service.
Questions
What credit score is required for pre-approval?
Minimum scores are 620 for conventional loans and 580 for FHA/VA loans.
How do I apply for mortgage pre-approval?
Submit a completed application, two paystubs, two W2s, bank statements, and ID via our website.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate; pre-approval requires verified documentation for stronger offers.
What down payment is required?
Conventional loans require 3-5%, FHA needs 3.5%, and VA loans allow 0% down.
What are fixed vs adjustable-rate mortgages?
Fixed rates stay constant; adjustable rates change after 5/7 years based on market conditions.
What is End of Watch Loan Protection?
This free benefit cancels up to $850,000 in mortgage debt for first responders who die in the line of duty.
