Meet Your Loan Officer | Danny Kovalski

Danny wakes up every day passionate about working earnestly for his clients. For the past six years, Danny has served customers throughout PA and NJ making lasting relationships along the way which is the true foundation for his success. He is committed to creating an enjoyable customer experience always seeking feedback and adjusting his process to wow his clients. Danny goes above and beyond to ensure his customers and partners have all their questions answered and are comfortable with their decisions. A native of Northeastern Pennsylvania, Danny has lived in the Philadelphia area for the last decade. As a beach enthusiast, Danny can be found enjoying the day with his wife and two daughters in Ocean City, NJ when he isn’t helping people with their home financing. Running, golfing and perusing the wine aisle are also among his favorite personal pastimes!

 

From a dedicated and passionate employee base full of character and culture, to a forward thinking and opportunistic approach to the home buying process, we are committed to earning your business for years to come through honest communication, technological innovation and unrivaled expertise. As an experienced loan officer, I have the knowledge and expertise to guide you through the home financing process. My main goal is to help you and your family navigate the options available and make the best choice for your specific situation. Whether you're looking for your very first home, refinancing the one you have, or searching for your next dream home, I'll be here beside you every step of the way. Buying a home is one of the biggest decisions you and your family will ever make – and our team will ensure you feel confident and comfortable throughout the process.

Danny Kovalski

Sr. Mortgage Loan Officer
NMLS# 1074475
Cell: 610.888.0921
Office: 610.355.8774
Fax: 484.229.0325
dannyk@gmhmortgage.com
gmhmortgage.com/dannyk

625 W Ridge Pike, Building C, Suite 100
Conshohocken, PA 19428

 

Danny is an Operational Homeownership Specialist working to give back to our local heroes. Click here to learn more about this program and why it's extra special for Danny. 

Squad Approach - Whole Team Dedicated to Working for You
Not Your Typical Mortgage Lender
Wide Array of Unique Loan Programs Tailored to Fit Your Needs

Mortgage 101

10 Steps to Buying a Home

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Quick Tips for an Easy Mortgage Approval

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The Loan Process

Tips for a Faster Loan Approval

Prompt Communication
Respond timely to any requests for additional documents especially if you need to close by a certain date.
Complete Application
Make sure to fill out your loan application completely.
No High Ticket Purchases
Do not make any major purchases until your loan closes. This can have a harmful effect on your current loan application.
Untraceable Funds
Do not transfer money into your account that cannot be traced.

FHA Loan
FHA Loans offer a low down payment, flexible qualifying requirements and are tailored to fit a variety of needs. FHA loans are perfect for homebuyers with less than stellar credit or with less cash available for an initial down payment than usually required.
VA Loan
VA loans offer military veterans and active military members 100% financing and have flexible requirements and qualifications. These mortgages do not always require a down payment and are guaranteed by the Department of Veterans Affairs, so they do not require mortgage insurance.
USDA Loans
USDA Loans offer 100% financing, minimal down payment, competitively low rates and flexible income requirements for mortgages located in rural areas. There are several types of USDA loans that help low- or moderate-income borrowers buy, repair or renovate a home in a rural area.
Adjustable Rate Mortgages
An Adjustable Rate Mortgages or ARM, carries an adjustable interest rate. Typically a borrower will start with a lower interest rate than that of a typical Fixed Rate Mortgage, but the amount of the monthly house payment will adjust and change over time as interest rates fluctuate.
Jumbo Loans
Jumbo loans allow borrowers to secure financing much greater than the conforming limits set by regulations for homes in most areas.
Interest Only
These loans allow the homeowner to make lower monthly payments by only requiring the interest payment for a set period of time, typically in the 5-10 year range. Interest-Only Loans are perfect for borrowers whose income fluctuates or is anticipating a sizeable increase in their future income.
Conventional Loans
A Conventional Loan refers to a loan that is not backed, insured, or guaranteed by the US government. These loans can be either conforming or non-conforming.
Conventional Conforming
Loans that are generally approved for a term of 15 or 30 years.
City, County and State
GMH offers a wide variety of local programs that are specific to that area. These types of loans are sponsored by regional Housing Finance Agencies (HFA), and typically carry rates lower than the current market, resulting in lower loan payments.

Click here to visit our full Programs page to learn more.

Safe & Secure Process

Access your file anytime, anywhere, through out GMH Borrower Portal
Safe and secure processes that will leave you worry free
Expedited service will get you into your home faster

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