Mortgage Loan Services

Built on principles that matter.

Who We Are at MPS

Pete Fajkowski and the Mortgage Portfolio Services team believe that securing a mortgage should be a clear and stress-free process and that the mortgage should be tailored to your needs. With over 27 years of experience, their approach is built on integrity, transparency and a commitment to financial empowerment. Whether you’re purchasing a home, refinancing or exploring investment opportunities, MPS provides expert guidance and tailored solutions that put your financial goals first.

Unlike traditional lenders, MPS takes a client-first approach, ensuring every borrower fully understands their options. This isn’t just about closing loans—it’s about building lasting relationships through education, trust and ethical lending practices.

Whether you’re a first-time homebuyer looking for guidance, a homeowner seeking refinancing options, or an investor growing your real estate portfolio, we provide comprehensive lending solutions to match your needs. MPS has earned a reputation for unmatched service and client dedication. Our team remains committed to honest communication, financial literacy and ethical lending. Ensuring you receive not just a mortgage, but a trusted financial partnership for years to come.

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A Sample of MPS Mortgages

Tailored Loan Solutions for Every Borrower

Conventional Loans

• Flexible loan options for primary, secondary, and investment properties
• Competitive interest rates and down payment options as low as 3%
• Ideal for borrowers with good credit and stable income

FHA Loans

• Lower credit score and down payment requirements (as low as 0%)
• Backed by the government to assist first-time homebuyers
• More lenient qualification guidelines than conventional loans

VA Loans

• Lower credit score and down payment requirements (as low as 0%)
• Unlimited cash out for refinances for states other than in Texas
• If you can qualify, unlimited loan size

Jumbo Loans

• Designed for high-value homes exceeding conventional loan limits
• Flexible terms with competitive fixed and adjustable-rate options
• Ideal for buyers in high-cost housing markets
• Interest only loan payments are available

Construction Loans

• Interest only, interim financing for new home construction or major renovations
• Funds disbursed in phases based on project milestones
• Can be converted into a permanent mortgage after completion

First Responder Loans

• Exclusive home loan programs for police, firefighters, healthcare workers, EMS personnel and teachers
• Discounted fees, lower interest rates and flexible down payment options
• Designed to help essential workers achieve homeownership

Condo Loans

• Tailored financing for condos, co-ops and new buildings (regardless of percentage of owner occupied units) — our specialty
• Flexible approval for condo buildings that don’t meet traditional guidelines
• Great for buyers in urban and high-density areas

USDA Loans

• Zero down payment for eligible rural and suburban properties
• Lower mortgage insurance costs than FHA loans
• Designed for low-to-moderate-income homebuyers in qualifying areas

Appraisal Only Investment Loan (No Income, No Assets, No Employment)

• For real estate investors — qualification based on property income
• No personal income, no assets, no employment
• Flexible loan terms
• Purchase, refinance or cash out

Our team works closely with you to find the best solution for your needs. If you don’t see the mortgage solution you’re looking for, please contact us.

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Mortgage Refinancing & Investment Property Loans

Refinancing isn’t just about getting a lower rate — it’s about maximizing your financial potential. Whether you’re purchasing a home, refinancing, cashing out, building or exploring, we provide strategic lending solutions that align with your goals.

Refinancing Options: Smart Ways to Restructure Your Loan

Rate & Term Refinance – Lower your interest rate, reduce your monthly payment or switch from an adjustable-rate to a fixed-rate mortgage.
Cash-Out Refinance – Tap into your home equity to consolidate debt, fund home improvements or invest in new opportunities.
FHA & VA Streamline Refinance – Simplified refinancing programs for FHA and VA borrowers with minimal paperwork and lower costs.
Investment Property Loans – Expand Your Real Estate Portfolio with the MPS Appraisal Only Investment Loan (DSCR Loan). Secure financing with no personal income verification. We focus on your property’s income, making it easier to grow your investment portfolio.
Fix & Flip Loans – Short-term financing options designed for real estate investors looking to renovate and sell for profit.
Short-Term & Bridge Loans – Flexible, fast-funding loans to cover gaps between property sales and purchases.

We understand that every borrower’s needs are unique. That’s why we offer a diverse selection of mortgage products beyond what’s listed here. Whether you’re looking for a specialized loan program, flexible financing solutions or expert guidance on your home loan options, our team is here to help. Contact us today to explore additional mortgage solutions tailored to your financial goals.

Loan availability and terms vary by state. Borrowers are encouraged to consult with an MPS Mortgage Consultant to determine eligibility and compliance with local lending laws.

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