Services · Financing
Get the financing conversation started early
Knowing what you can actually buy — and how a lender will look at the property — is the difference between a smooth purchase and a stalled one. Start your pre-approval with our lending resource, or ask us for an introduction first.
This form is a request for an introduction to a lending partner. It is not a loan application, a preapproval, a credit decision, or an offer to lend. The Baird Team and Berkshire Hathaway HomeServices Professional Realty do not make lending decisions and do not set rates, terms, or program eligibility. You are never required to use any lender we introduce you to.
Why a broker matters
Not limited to one bank's product menu
Kolar Capital is a mortgage broker with access to multiple lenders and a broad range of financing programs for homebuyers, homeowners and real-estate investors.
A bank can only offer what that bank sells. A mortgage broker can look at programs across multiple lender relationships and work toward financing that fits the borrower and the transaction — which matters most when the situation isn't standard: self- employment, an investment property, a renovation, or a property a single lender simply doesn't want to touch.
That flexibility is not a promise of a particular rate, fee, or approval. Pricing, program availability, and the credit decision are always determined by the lender and by your qualification.
Your lending resource
Matthew Kolar
NMLS #1397213
Kolar Capital LLC
NMLS #2435074
Kolar Capital LLC is a separate mortgage company. Applications are submitted on Kolar Capital's own site; no mortgage application information is collected here.
Programs
Financing programs available today
Only programs Kolar Capital has confirmed are listed here. All are subject to borrower qualification, lender approval, and program availability.
Buying a home
The programs most Northeast Ohio buyers use, whether it's a first house or a move-up.
Conventional
The most common route for buyers with documented income. Down payment and mortgage-insurance requirements vary by program and by qualification.
FHA
A government-insured option often used by first-time buyers and buyers making a smaller down payment. Property and program requirements apply.
VA
For eligible veterans, active-duty service members, and surviving spouses. Eligibility is determined by the VA and the lender.
Self-employed or alternative income
Business owners, contractors, and commission earners whose tax returns don't tell the whole story.
Non-QM
Non-Qualified Mortgage financing for borrowers whose income or circumstances don't fit standard documentation rules. Terms, pricing, and eligibility differ from conventional loans.
How this works
An introduction, not an application
You tell us what you're trying to buy. We pass along an introduction to a lending partner, and stay involved on the real estate side so financing and the purchase stay in step.
1. Tell us your situation
Purchase type, rough timeline, and anything you already know about your financing.
2. We make the introduction
We share your request with a lending partner, who contacts you directly about next steps.
3. You decide
You choose whether to proceed, and with whom. Using any lender we introduce is always optional.
Moving efficiently
Speed comes from preparation, not promises
No one can guarantee how quickly a loan closes. What can be controlled is how prepared you are and how well the people involved communicate.
Responsive communication
Questions get answered while they still matter, not after the deadline has passed.
Early document preparation
Income, asset, and identity documents get organized up front instead of during a contract.
Agent and lender coordination
We stay in the same conversation so the real estate side and the financing side aren't working from different information.
Efficient processing
Items are worked as they come up rather than batched to the end of the file.
Contract-date awareness
Inspection, appraisal, and financing dates are tracked against the timeline in your contract.
Issues solved early
A credit, income, or property question found before you write an offer is a much smaller problem than one found after.
Financing introduction request
Ask for an introduction
No credit is pulled by this form and no application is submitted. We simply connect you with a lending partner.
This form is a request for an introduction to a lending partner. It is not a loan application, a preapproval, a credit decision, or an offer to lend. The Baird Team and Berkshire Hathaway HomeServices Professional Realty do not make lending decisions and do not set rates, terms, or program eligibility. You are never required to use any lender we introduce you to.
Lending disclosure
Kolar Capital LLC — NMLS #2435074. Matthew Kolar — NMLS #1397213.
Kolar Capital LLC is a separate mortgage company. The Baird Team and Berkshire Hathaway HomeServices Professional Realty do not make lending or underwriting decisions and do not set rates, terms, or program eligibility. Nothing here is a commitment to lend or a guarantee of approval, rate, or program eligibility. Rates and terms are not guaranteed, and all programs are subject to borrower qualification, lender approval, and program availability. Consumers are free to use the lender of their choice.
Financing and the house are one decision.
Let's line them up together so you're not renegotiating your budget mid-search.