Meet Our Specialists

Eric A. Kensicki

Eric Kensicki has over 8 years experience in the mortgage banking industry. His primary focus has been government backed mortgage financing (FHA/VA/USDA) with low or no money down options. He has closed hundreds of these types of loans throughout his career. Today, he uses this knowledge and expertise to educate consumers and assist them in obtaining these types of loans.

"Government backed mortgages offer safe, affordable loan options to borrowers with all types of credit history. A borrower need not have perfect credit history or a large down payment to qualify for a government -backed loan. A majority of the population will experience major or minor credit issues at some point in their lifetime, often due to reasons beyond their control. With a government-insured mortgage, an underwriter will look at the big picture, taking into account the reasons for your derogatory credit, rather than just looking at your FICO score alone. With a little bit of credit advice, even those with a blemished credit history can quickly position themselves to be eligible for a government backed loan. Personally, I take great pride in helping consumers avoid high interest rate loans in favor of these safe, low rate government insured mortgages."

While many banks have recently eliminated their 100% financing programs, Eric has an understanding of how important it is for these programs to remain available, particularly for first time buyers. Eric continually researches the market for the best No Money Down loan programs, down payment assistance companies, gift programs, and government backed loans and grants that help make homeownership a possibility for so many people.

"In today's economy, it's just not always feasible for a family or individual to save a large amount of money for a down payment on a home. It's a fact that high rates of homeownership correlate directly with strong, stable, and safe communities for the families that reside there. It is critical that good loan programs remain available for creditworthy borrowers that don't have the means to save for a down payment. It is extremely rewarding to know that we can help these families and have a positive impact on the neighborhoods in which they reside."

If you would like to e-mail Eric directly, do so at erickensicki@cox.net.

Timothy M. Stull

Timothy Stull has over 18 years of experience in the credit and finance industries. This background has allowed him to become a deal closing powerhouse with over 8 years experience in brokering/banking all types of loan transactions.

He graduated from the University of Wisconsin–Milwaukee with a BA in Economics. After graduation, Tim took positions with two major law firms. There, he developed extensive knowledge regarding credit and collections over a span of 10 years. He is well versed in regards to litigation, judgments, tax liens, court orders and garnishment. So, today he can use this extensive knowledge to not only educate his clients on how to achieve financial stability, but can also help them avoid similar situations in the future.

“I take great pride in my work. Nothing satisfies me more than sticking it to companies that participate in poor business practices. In today’s ever-changing economic environment, consumers need our help and I am happy to share my expertise. I take great pleasure in knowing we can help people and have a positive impact in the communities where we do business.

Tim is the proud owner of 4 major websites, which are a starting point for helping people learn about the valuable services we offer.

If you would like to e-mail Tim directly do so at tstull@getapproved-homeloans.com.

Jason E. Stevens

Jason Stevens has over 12 years of credit and finance experience. As an owner of Low-Rate-Mortgages-Online.com and The Stull Corporation, Jason works regularly with clients on a one-on-one basis.

“For me, helping people dig out of their tough financial situations and move forward towards prosperity is rewarding. I find great satisfaction helping our clients overcome their challenges.”

Jason started in debt collection, specializing in wage garnishment and litigation with the US Department of Education. He used the skills developed in the debt collection sector to start analyzing individuals’ financial situations. This expertise has resulted in the settling of thousands of dollars of debt for hundreds appreciative individuals. Prior to entering the finance industry he managed a bank card collection agency for three years.

In addition to Jason’s collection background, he has been in the mortgage industry for over seven years. During which he has completed many residential loans, commercial loans, construction loans, debt consolidations, rate and term refinances, second mortgages, home equity lines and credit restructures.

If you would like to e-mail Jason directly do so at jstevens@getapproved-homeloans.com.