Tkach Oleg

Mortgages for Families, the Self-Employed, and Investors

I am Oleg Tkach, and since 2005 I have helped Washington families get a mortgage, explaining every step in Russian so that you know exactly what you are signing and why. I handle first homes, moves to a bigger house, second homes, investment properties, and refinancing, working from the NFM Lending office in Lynnwood with clients from Olympia to Everett.

American mortgages feel confusing until someone explains them in your own language. I walk you through which documents you need, how a gift from relatives counts toward a down payment, and how long it takes from application to keys. If your income does not fit the standard mold, there are dedicated programs for contractors, truck drivers, small business owners, and borrowers with income from abroad.

Loan programs I work with:
- Conventional and FNMA loans
- FHA with as little as 3.5% down
- VA loans for service members and veterans
- USDA loans for homes in rural areas
- Jumbo loans for higher-priced homes
- Bank-statement programs for the self-employed
- Options for foreign nationals

Apply and upload documents online, then sign everything electronically. My job is to close on time, with no surprises for you or your realtor. Every year since 2009 I have been ranked among the nation's top loan originators, and realtors and investors trust my team with their deals. My license covers all of Washington State, and it also lets me help those buying a home in Oregon, Idaho, and other states.

Call the office to talk through your situation in Russian or English.