Summit Financial, LLC

Independent Wisconsin Residential Mortgage Broker!

Hello! I'm Paul Ailstock. I own and operate Summit Financial, LLC, a one person, independently owned, residential mortgage brokerage firm in the Milwaukee area serving the Wisconsin marketplace. I assist my clientele in the purchase AND/OR refinance of residential real estate (1-4 units) for use as a primary residence, second home, and investment property.

WHY SUMMIT FINANCIAL? As a mortgage broker, I maintain a network of lenders which affords my clientele access to the greatest range of loan programs and rates. As a small business, I can provide such financing under the most competitive of pricing models with a highly personalized level of service. Why work with an out of state lender that doesn't truly understand our Wisconsin marketplace OR a larger lender where you are shuffled between parties and are just a number? Today's mortgage industry is overcrowded with those that, while calling themselves professionals, are unknowledgeable of the programs/process and lack the experience necessary to successfully navigate its challenges. As a small business owner/operator with an academic/professional background affording me decades of success in the mortgage lending space and literally thousands of successfully completed transactions, I take pride in being a mortgage finance professional - I am an expert in the mortgage industry!

I will initiate your mortgage application by first presenting a finely tuned, tailor-made finance plan. A plan which will both best address your specific lending needs AND which will consider your overall finance goals. Together, we will arrive at the finance plan which will best serve your needs. With a finance plan in place, my brokerage business model allows me to 'shop' your financing across a number of different lenders. This access to numerous lending sources allows me to deliver upon your finance plan under the best of pricing models. Your formal loan application process will then involve me handling ALL steps/communication thru to your successful closing. You will have the benefit of just one 'point person' under your application process - ME! Given the complexities of this process, my decades of industry experience are of benefit to you under each step in the process and with every party communication. My approach to your mortgage financing, while limiting the size and scale of my company, ensures you have the most competent and professional representation throughout the loan process in completing your desired mortgage financing to plan.

As your real estate is likely your most significant investment; together, we will make certain that your financing is best meeting your finance needs. Because of the importance of our work together, I am always available to my clientele – open 24 hours! Please don’t hesitate to call on me, as I stand ready to assist!

Paul V. Ailstock | NMLS# 282384

Broker Owner | Mortgage Advisor

(414) 379-7171 - Mobile|Text

PAilstock@SummitFinancialLLC.net

APPLY NOW with Paul!

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Is 2025 your year to buy a new home?

I offer the local expertise needed to navigate today's challenging marketplace!

If 2025 is your year to consider a new home purchase, the next best step is to arrive at your finance plan and complete your formal loan pre-approval. As a formal pre-approval letter is desired, you will be best positioned in making an Offer in this competitive marketplace.

A finance plan to consider the loan program (conventional, FHA, VA, USDA) which best aligns with your down payment, credit scores AND desired monthly payment. I can even offer financing with limited/NO closing costs.
IF you have a home to sell, we can consider a finance plan allowing you to purchase BEFORE you sell. You may well have finance options outside of an expensive 'bridge loan.'
We will collaborate to arrive at your desired price range, so you are viewing property which will result in your desired monthly payment.
With a defined price range and selected loan program, I will also share insight regarding funds needed at time of closing. A plan which is tailored to your budget.
As you consider loan repayments for different properties, I will provide a worksheet so you can easily calculate an estimated housing payment.
With a finance plan in place, we can pull your credit report and complete the formal pre-approval. You are now best positioned to shop for your new home.
My availability will allow me to put forth your property specific pre-approval letter when called upon. My property specific letter will be timely dated and message direct to the seller(s) that you have been pre-approved for the purchase of their home.

Upon acceptance of your Offer, we will begin the formal processing of your loan application together.

Is it time to refinance your home?

My small brokerage business affords you the best pricing!

Is your current interest rate the lowest it can be? As the interest rate marketplace remains volatile and rates have been higher for much this past year, is a lower interest rate available to you TODAY? Ask me for a quote, as it never hurts to take a closer look at your numbers!

As Wisconsin homeowners are enjoying record levels of home equity, can your home's equity be put to better use? Should funds be needed for debt payoff, educational expenses, home remodeling or WHATEVER, is there a loan program which will afford you a lower overall monthly payment and improvement in your personal finances?

At today's average loan amount, a reduction in rate of even .50% often produces a noteworthy savings which justifies a refinance.
I can often provide such refinance work with little/NO closing costs.
As Wisconsin home values continue to rise, I have been able to assist clients in reducing/even eliminating their mortgage insurance premiums.
A shorter-term loan often considers an even lower rate and allows you to pay off the loan all the faster.

If you wish to take a closer look at your existing financing and be certain it is best meeting your needs, please contact me for a personalized quote. Should an opportunity be available to you in the current marketplace - GREAT! IF not, we will define your desired terms. I can then best track the marketplace on your behalf, so we are positioned to take immediate action when your future refinance opportunity presents.