{"id":2511,"date":"2022-09-23T09:18:41","date_gmt":"2022-09-23T09:18:41","guid":{"rendered":"https:\/\/lakeareamortgage.com\/mlo\/?page_id=2511"},"modified":"2026-07-09T16:34:49","modified_gmt":"2026-07-09T16:34:49","slug":"jbydzovsky","status":"publish","type":"page","link":"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/","title":{"rendered":"Joe Bydzovsky"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2511\" class=\"elementor elementor-2511\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-678883cd elementor-hidden-tablet elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"678883cd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e1c6937\" data-id=\"6e1c6937\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7bcba3fc elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"7bcba3fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:6512092911\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Call<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71f8a9c0 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"71f8a9c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:joeb@lakeareamortgage.com\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Email<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47543eb2 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"47543eb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/mymortgage.lakeareamortgage.com\/?userid=jbydzovsky\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-260b1c8d elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"260b1c8d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1a3333dc\" data-id=\"1a3333dc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f788820 mlo-img elementor-widget elementor-widget-image\" data-id=\"4f788820\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"645\" src=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy.jpg\" class=\"attachment-large size-large wp-image-2559\" alt=\"\" srcset=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy.jpg 850w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy-300x242.jpg 300w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy-768x619.jpg 768w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy-125x101.jpg 125w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy-75x60.jpg 75w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy-495x400.jpg 495w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy-705x568.jpg 705w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy-450x363.jpg 450w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-351b64f1\" data-id=\"351b64f1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-61b79cf9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"61b79cf9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3c7ba018\" data-id=\"3c7ba018\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-518b47fb elementor-widget elementor-widget-heading\" data-id=\"518b47fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Joe Bydzovsky<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f26dd38 elementor-widget elementor-widget-heading\" data-id=\"3f26dd38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Mortgage Loan Officer<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3adfc958 elementor-widget elementor-widget-heading\" data-id=\"3adfc958\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">NMLS#270628<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7f436336\" data-id=\"7f436336\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40d26010 elementor-shape-circle e-grid-align-left elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"40d26010\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-repeater-item-389979d\" href=\"#\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook-f<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-facebook-f\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin-in elementor-repeater-item-85db4ce\" href=\"#\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin-in<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin-in\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2633ef12 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2633ef12\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-62ceae49\" data-id=\"62ceae49\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36552ad6 elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"36552ad6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:6512092911\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Office: (651) 209-2911<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Fax: (651) 305-5853<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:joeb@lakeareamortgage.com\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Send e-mail<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-58cb0dc2\" data-id=\"58cb0dc2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a94e03c elementor-widget elementor-widget-text-editor\" data-id=\"a94e03c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.google.com\/maps\/place\/1200+County+Rd+E+%23200,+St+Paul,+MN+55112\/@45.0493458,-93.1440552,16z\/data=!4m5!3m4!1s0x52b3299f677fc6e1:0x45a5058dc314a4d8!8m2!3d45.0497892!4d-93.144259\">1200 West County Rd. E<br \/>Suite 200<br \/>Arden Hills, MN 55112<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-32703bc9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32703bc9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6cf3536c\" data-id=\"6cf3536c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b8db078 elementor-widget elementor-widget-button\" data-id=\"7b8db078\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/mymortgage.lakeareamortgage.com\/?userid=jbydzovsky\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Online<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5c9117f4\" data-id=\"5c9117f4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-706857aa elementor-widget elementor-widget-button\" data-id=\"706857aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/mlo\/wp-content\/uploads\/2023\/12\/Joe_Bydzovsky-LAM_Pre-application_form.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Print\/Fax Application<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-73399255 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73399255\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ef63654\" data-id=\"ef63654\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a89f37 elementor-widget elementor-widget-button\" data-id=\"7a89f37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/mlo\/wp-content\/uploads\/2023\/12\/Required-Documents-Checklist.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Required Documents Checklist<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3eabce53 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3eabce53\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2b93c90d\" data-id=\"2b93c90d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7190d1b7 elementor-widget elementor-widget-heading\" data-id=\"7190d1b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Awards<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23a495e1 elementor-widget elementor-widget-image-carousel\" data-id=\"23a495e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;4&quot;,&quot;navigation&quot;:&quot;none&quot;,&quot;infinite&quot;:&quot;no&quot;,&quot;slides_to_show_tablet&quot;:&quot;4&quot;,&quot;slides_to_show_mobile&quot;:&quot;2&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;speed&quot;:500,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Image Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 2\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2021\/06\/SMP_20smaller.png\" alt=\"SMP_20smaller\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 2\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2021\/06\/Top1-2020.png\" alt=\"Top1 2020\" \/><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-277e8aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"277e8aa\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_effects_offset&quot;:15,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41c24eb\" data-id=\"41c24eb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62248e0 elementor-nav-menu__align-center elementor-nav-menu--dropdown-mobile elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"62248e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;fas fa-caret-down\\&quot; aria-hidden=\\&quot;true\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-62248e0\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-780\"><a href=\"#aboutme\" class=\"elementor-item elementor-item-anchor\">About Joe<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-781\"><a href=\"#featured\" class=\"elementor-item elementor-item-anchor\">Featured Products<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-782\"><a href=\"#loanproducts\" class=\"elementor-item elementor-item-anchor\">Loan Products<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-3426\"><a href=\"#calculators\" class=\"elementor-item elementor-item-anchor\">Calculators<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-3427\"><a href=\"#loanprocess\" class=\"elementor-item elementor-item-anchor\">Loan Process<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-5692\"><a href=\"#downpayment\" class=\"elementor-item elementor-item-anchor\">Down Payment Assistance<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-783\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\">Get Started<span class=\"sub-arrow\"><i class=\"fas fa-caret-down\" aria-hidden=\"true\"><\/i><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-784\"><a target=\"_blank\" href=\"https:\/\/mymortgage.lakeareamortgage.com\/?userid=jbydzovsky\" class=\"elementor-sub-item\">Online Application<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-785\"><a target=\"_blank\" href=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2023\/12\/Joe_Bydzovsky-LAM_Pre-application_form.pdf\" class=\"elementor-sub-item\">Print\/Fax Application<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-786\"><a target=\"_blank\" href=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2018\/11\/Required-Documents-Checklist.pdf\" class=\"elementor-sub-item\">Required Documents<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-788\"><a target=\"_blank\" href=\"https:\/\/mymortgage.lakeareamortgage.com\/?userid=jbydzovsky\" class=\"elementor-item\">Apply Now<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open eicon-menu-bar\"><\/i><i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close eicon-close\"><\/i>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-62248e0\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-780\"><a href=\"#aboutme\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">About Joe<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-781\"><a href=\"#featured\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Featured Products<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-782\"><a href=\"#loanproducts\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Loan Products<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-3426\"><a href=\"#calculators\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Calculators<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-3427\"><a href=\"#loanprocess\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Loan Process<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-5692\"><a href=\"#downpayment\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Down Payment Assistance<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-783\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Get Started<span class=\"sub-arrow\"><i class=\"fas fa-caret-down\" aria-hidden=\"true\"><\/i><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-784\"><a target=\"_blank\" href=\"https:\/\/mymortgage.lakeareamortgage.com\/?userid=jbydzovsky\" class=\"elementor-sub-item\" tabindex=\"-1\">Online Application<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-785\"><a target=\"_blank\" href=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2023\/12\/Joe_Bydzovsky-LAM_Pre-application_form.pdf\" class=\"elementor-sub-item\" tabindex=\"-1\">Print\/Fax Application<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-786\"><a target=\"_blank\" href=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2018\/11\/Required-Documents-Checklist.pdf\" class=\"elementor-sub-item\" tabindex=\"-1\">Required Documents<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-788\"><a target=\"_blank\" href=\"https:\/\/mymortgage.lakeareamortgage.com\/?userid=jbydzovsky\" class=\"elementor-item\" tabindex=\"-1\">Apply Now<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-36d781a7 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"36d781a7\" data-element_type=\"section\" data-e-type=\"section\" id=\"aboutme\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-64a9a4e\" data-id=\"64a9a4e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-426f696a elementor-widget elementor-widget-heading\" data-id=\"426f696a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Meet Joe<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3acfc2 elementor-widget elementor-widget-text-editor\" data-id=\"d3acfc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As an experienced loan officer, my goal is to provide you with individual solutions tailored to your specific needs. I review all the details and objectives with you to ensure that everyone is on the same page. I want my customers to remember the smooth process long after the closing is completed. I have access to a large variety of financing options designed to meet the needs of the first-time homebuyer as well as the experienced owner. By providing in-house origination, processing, underwriting and funding services, I can ensure that your loan will be completed accurately, smoothly and in the loan that best meets your needs. This positive experience is why past customers, real estate and financial professionals continue to refer me to friends, family, clients and co-workers. I believe you will too!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-601ee22c elementor-widget elementor-widget-text-editor\" data-id=\"601ee22c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>I\u2019ve built my reputation on providing outstanding service to my clients. That means you can count on me to always look out for your best interests, and to keep you informed throughout every step of the lending process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-05adfa9 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05adfa9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0901c9d\" data-id=\"0901c9d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a048e4 elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"2a048e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-quote-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-d3c875e\" data-id=\"d3c875e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-81f98ef elementor-arrows-yes elementor--star-style-star_fontawesome elementor-widget elementor-widget-reviews\" data-id=\"81f98ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_per_view&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;show_arrows&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"reviews.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial elementor-repeater-item-85d9f02\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__header\">\n\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">R. S.<\/span><\/cite>\t\t\t\t\t<div class=\"elementor-testimonial__icon elementor-icon elementor-icon-\" aria-label=\"Read More\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\t\"Service through the whole procedure was excellent. Constant communication and quick response to any questions. Professional, pleasant and courteous. My sincere thanks.\"\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial elementor-repeater-item-a0a06f3\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__header\">\n\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Manfred N.<\/span><\/cite>\t\t\t\t\t<div class=\"elementor-testimonial__icon elementor-icon elementor-icon-\" aria-label=\"Read More\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\t\"Joe Bydzovsky is the absolute best! From start to finish Joe excels at his job and his customer service is excellent.\"\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial elementor-repeater-item-4d45a6a\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__header\">\n\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">James M.<\/span><\/cite>\t\t\t\t\t<div class=\"elementor-testimonial__icon elementor-icon elementor-icon-\" aria-label=\"Read More\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\t\"As always, I had a great experience working with Joe! He\u2019s knowledgeable, responsive and efficient. We felt very confident throughout our experience that we were in good hands and getting the best deal possible.\"\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-79ee8d2e elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"79ee8d2e\" data-element_type=\"section\" data-e-type=\"section\" id=\"featured\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-324adee8\" data-id=\"324adee8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21cc6076 elementor-widget elementor-widget-image\" data-id=\"21cc6076\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"576\" src=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-1030x741.jpg\" class=\"attachment-large size-large wp-image-1878\" alt=\"Couple cuddling close and holding up a house icon\" srcset=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-1030x741.jpg 1030w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-300x216.jpg 300w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-768x553.jpg 768w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-125x90.jpg 125w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-75x54.jpg 75w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-1536x1105.jpg 1536w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-2048x1473.jpg 2048w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-16x12.jpg 16w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-1500x1079.jpg 1500w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-705x507.jpg 705w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/04\/GettyImages-670310208-450x324.jpg 450w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4a4b6ec2\" data-id=\"4a4b6ec2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18445296 elementor-widget elementor-widget-text-editor\" data-id=\"18445296\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>FEATURED PRODUCT<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5740aad elementor-widget elementor-widget-heading\" data-id=\"5740aad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Conventional Mortgage<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-382e6a53 elementor-widget elementor-widget-text-editor\" data-id=\"382e6a53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A conventional mortgage is one of the most common types of home financing. They offer terms ranging from 10 to 30 years with fixed and adjustable rate options. This loan type is ideal for homebuyers who have the ability to put more money down at closing. although the minimum required down payment can be as little as 3%!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59b651f5 elementor-widget elementor-widget-text-editor\" data-id=\"59b651f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A larger down payment (20% or more) can eliminate the need for mortgage insurance, ultimately lowering your monthly payment! Gifted funds are allowed towards your down payment and closing costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38d33f49 elementor-widget elementor-widget-text-editor\" data-id=\"38d33f49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You may purchase a primary residence, secondary residence, or investment property via a conventional loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-244ff7d0 elementor-widget elementor-widget-button\" data-id=\"244ff7d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/mymortgage.lakeareamortgage.com\/?userid=jbydzovsky\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Online<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-484992b7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"484992b7\" data-element_type=\"section\" data-e-type=\"section\" id=\"loanproducts\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-8e1d5eb\" data-id=\"8e1d5eb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d646425 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1d646425\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-key\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39e49fbb elementor-widget elementor-widget-text-editor\" data-id=\"39e49fbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>BUY<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43fa1927 elementor-widget elementor-widget-text-editor\" data-id=\"43fa1927\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Homebuying Solutions<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6352d2d3 elementor-widget elementor-widget-text-editor\" data-id=\"6352d2d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For first-time homebuyers, move-up buyers, second home purchases, and investment properties. Lake Area Mortgage is dedicated to making the entire process smooth and simple.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53e07405 list-featured elementor-widget elementor-widget-text-editor\" data-id=\"53e07405\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Low closing costs<\/li><li>Competitive rates<\/li><li>Affordable first-time homebuyer programs<\/li><li>Access to numerous down-payment assistance programs<\/li><li>In-house processing, underwriting and closing department<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-458895e6\" data-id=\"458895e6\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a531d48 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1a531d48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-home\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddfba3c elementor-widget elementor-widget-text-editor\" data-id=\"ddfba3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>BUILD<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e042c64 elementor-widget elementor-widget-text-editor\" data-id=\"e042c64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Building Your Dream Home?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fc32a0e elementor-widget elementor-widget-text-editor\" data-id=\"2fc32a0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lake Area Mortgage makes financing easy with our Single-Close Construction Loan \u2013 one loan, one set of closing costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2415a139 list-featured elementor-widget elementor-widget-text-editor\" data-id=\"2415a139\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>One closing at start of construction<\/li>\n<li>Extended locks available<\/li>\n<li>Interest-only payments during construction<\/li>\n<li>Flexible down payment options<\/li>\n<li>One application and one approval process<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-7608aead\" data-id=\"7608aead\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-297b8558 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"297b8558\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-dollar-sign\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3edf93d elementor-widget elementor-widget-text-editor\" data-id=\"3edf93d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>REFINANCE<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b2b4ea2 elementor-widget elementor-widget-text-editor\" data-id=\"7b2b4ea2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Thinking About Refinancing Your Mortgage?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44c08672 elementor-widget elementor-widget-text-editor\" data-id=\"44c08672\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We\u2019re here to help you take the next step. Lake Area Mortgage can help you determine whether refinancing is right for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ddf9d84 list-featured elementor-widget elementor-widget-text-editor\" data-id=\"1ddf9d84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Lower your mortgage payment<\/li><li>Lower your interest rate<\/li><li>Consolidate 2nd mortgage<\/li><li>Shorten your mortgage loan term<\/li><li>Change your home loan type<\/li><li>Cash-out refinance option<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-579a0875\" data-id=\"579a0875\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c4ca476 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1c4ca476\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-tools\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7253d9f8 elementor-widget elementor-widget-text-editor\" data-id=\"7253d9f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>REMODEL<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f2f69e7 elementor-widget elementor-widget-text-editor\" data-id=\"5f2f69e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Don\u2019t Move. Improve!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e27e428 elementor-widget elementor-widget-text-editor\" data-id=\"e27e428\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Lake Area Mortgage Renovation Loan provides a simple and convenient way for borrowers to finance home improvements and renovations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-287c751f list-featured elementor-widget elementor-widget-text-editor\" data-id=\"287c751f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Interest-only payments during construction<\/li><li>Increase your property value<\/li><li>Avoid taking out a second mortgage<\/li><li>Borrow against the as-improved value of the property<\/li><li>Purchase and renovate a fixer-upper<\/li><li>Perfect for additions or finishing basements<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ccde9c elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ccde9c\" data-element_type=\"section\" data-e-type=\"section\" id=\"calculators\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66128b0\" data-id=\"66128b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8314b7d elementor-widget elementor-widget-heading\" data-id=\"8314b7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Mortgage Calculators To Help Plan Your Home Purchases<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6e51971 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e51971\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0e612fc\" data-id=\"0e612fc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f05ebf2 elementor-widget elementor-widget-html\" data-id=\"f05ebf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div>\n\n  <iframe src=https:\/\/widgets.calculatestuff.com\/?token=02d2c14f44 frameborder=\"0\" height=\"740\" scrolling=\"no\" allowtransparency=\"true\" style=\"width:100%; border:none;\" id=\"02d2c14f44\"><\/iframe>\n\n  <script>\n\n    (function() {\n\n      var s = document.createElement(\"script\");\n\n      s.type = \"text\/javascript\";\n\n      s.async = true;\n\n      s.src=https:\/\/cdn.calculatestuff.com\/resizer.js;\n\n      (document.getElementsByTagName(\"head\")[0] || document.getElementsByTagName(\"body\")[0]).appendChild(s);\n\n    })();\n\n  <\/script>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6e15c72\" data-id=\"6e15c72\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-26bcdf7 elementor-widget elementor-widget-html\" data-id=\"26bcdf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div>\n  <iframe src=\"https:\/\/widgets.calculatestuff.com\/?token=7fab0ae218\" frameborder=\"0\" height=\"200\" scrolling=\"no\" allowtransparency=\"true\" style=\"width:100%; border:none;\" id=\"7fab0ae218\"><\/iframe>\n  <script>\n    (function() {\n      var s = document.createElement(\"script\");\n      s.type = \"text\/javascript\";\n      s.async = true;\n      s.src=\"https:\/\/cdn.calculatestuff.com\/resizer.js\";\n      (document.getElementsByTagName(\"head\")[0] || document.getElementsByTagName(\"body\")[0]).appendChild(s);\n    })();\n  <\/script>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b8422e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b8422e9\" data-element_type=\"section\" data-e-type=\"section\" id=\"downpayment\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0074e73\" data-id=\"0074e73\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-100ce59 elementor-widget elementor-widget-html\" data-id=\"100ce59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<br><br>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4814c46 elementor-widget elementor-widget-heading\" data-id=\"4814c46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Down Payment Assistance Program Search Tool<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b93c934 elementor-widget elementor-widget-text-editor\" data-id=\"b93c934\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Powered by Down Payment Resource\u00ae<\/p><p>\u00a0<\/p><p style=\"text-align: center;\">This interactive tool identifies the various Down Payment Assistance programs a first-time homebuyer may qualify for based on their unique personal circumstances and the location of the property they\u2019re buying. It is intended for use by Homeownership Advisors. The Minnesota Homeownership Center does not administer the content of this tool.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6d997f elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"a6d997f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<iframe src=https:\/\/downpaymentresource.com\/dpr-widget\/?partner=HOCMN width=\"100%\" height=\"725\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7d37a382 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d37a382\" data-element_type=\"section\" data-e-type=\"section\" id=\"loanprocess\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-785cf03\" data-id=\"785cf03\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f8584bb elementor-widget elementor-widget-heading\" data-id=\"6f8584bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Our Easy Loan Process<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6da4d890 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6da4d890\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-7f9343ba\" data-id=\"7f9343ba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-27a44f70 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"27a44f70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-comments\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cf4168b elementor-widget elementor-widget-text-editor\" data-id=\"5cf4168b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let\u2019s Talk About You<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-617e6a2c elementor-widget elementor-widget-text-editor\" data-id=\"617e6a2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Set up a meeting with your mortgage loan officer to discuss your home financing needs, goals, and current fiscal situation. Be prepared to provide information on your current income, assets, and liabilities. You\u2019ll also need to agree to a review of your credit report. We\u2019ll use this information to provide a pre-qualification for a loan, including the loan amount that you qualify for.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-757e65ac elementor-widget elementor-widget-text-editor\" data-id=\"757e65ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Shopping for a home with pre-qualification is shopping with confidence!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-35acad4d\" data-id=\"35acad4d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7440e932 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7440e932\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-mobile-alt\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3515a9b0 elementor-widget elementor-widget-text-editor\" data-id=\"3515a9b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apply Online<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34a1e77f elementor-widget elementor-widget-text-editor\" data-id=\"34a1e77f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your loan officer will provide you with a more detailed list of required documents for your official loan application. The documents required to approve and underwrite your loan can vary depending on program, credit score, and job type.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-442b5276 elementor-widget elementor-widget-text-editor\" data-id=\"442b5276\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>During this step, you\u2019ll also be looking to make an offer on your new home.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-e022fd7\" data-id=\"e022fd7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aab837f elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"aab837f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-cog\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31c0f69e elementor-widget elementor-widget-text-editor\" data-id=\"31c0f69e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let Us Do The Work<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b4ca603 elementor-widget elementor-widget-text-editor\" data-id=\"3b4ca603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Once your offer to purchase a home has been accepted, your loan officer and their team will begin processing your file for underwriting. During this time, we may request additional items that we need to approve your loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18165cd8 elementor-widget elementor-widget-text-editor\" data-id=\"18165cd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Generally, your rate will be locked at this time and an appraisal will be ordered.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-35c78b6d\" data-id=\"35c78b6d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1df195db elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1df195db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-inbox\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d4f3ca elementor-widget elementor-widget-text-editor\" data-id=\"6d4f3ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Underwriting Process<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3580ad7d elementor-widget elementor-widget-text-editor\" data-id=\"3580ad7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our in-house underwriting team will review the file to issue a loan decision. Your approval may require you to submit additional items. Once these extra items are submitted, we\u2019ll be able to obtain final approval in 24 to 48 hours and your loan will be clear to close!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b284fdc elementor-widget elementor-widget-text-editor\" data-id=\"b284fdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>After your loan is clear to close, you will be notified of the exact amount of money you will need to bring to closing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-348b340f\" data-id=\"348b340f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c9be0ec elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c9be0ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-key\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6638dee4 elementor-widget elementor-widget-text-editor\" data-id=\"6638dee4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Clear to Close<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76ab92e0 elementor-widget elementor-widget-text-editor\" data-id=\"76ab92e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Once you sign the final loan documents, the transaction will be completed and closed.<br \/><strong>Congratulations!<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d376b97 elementor-widget elementor-widget-text-editor\" data-id=\"5d376b97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If your loan was a purchase, you\u2019re a new homeowner! Your real estate professional will have your house keys at closing or schedule a time to deliver them.<\/p><p>If your loan was a refinance, enjoy the benefits of your new loan!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-326b74f1 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"326b74f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/mymortgage.lakeareamortgage.com\/?userid=jbydzovsky\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Online<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-32fc1481 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32fc1481\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-537fa46e\" data-id=\"537fa46e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-386397ba elementor-widget elementor-widget-image\" data-id=\"386397ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"552\" src=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2026\/02\/lam-outside-1030x711.jpg\" class=\"attachment-large size-large wp-image-6339\" alt=\"Photo of the Lake Area Mortgage Building\" srcset=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2026\/02\/lam-outside-1030x711.jpg 1030w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2026\/02\/lam-outside-300x207.jpg 300w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2026\/02\/lam-outside-768x530.jpg 768w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2026\/02\/lam-outside-1536x1060.jpg 1536w, https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2026\/02\/lam-outside.jpg 1584w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-259b2299\" data-id=\"259b2299\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57f4ba7c elementor-widget elementor-widget-heading\" data-id=\"57f4ba7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Our History<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-555c24d5 elementor-widget elementor-widget-text-editor\" data-id=\"555c24d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lake Area Mortgage is proud to have been a top local lender with a reputation for providing expert mortgage loan services since 2007. Lake Area Mortgage is a division of Royal Credit Union, meaning that by obtaining a Lake Area Mortgage loan you also become a Member of Royal Credit Union. During the loan process, you\u2019ll open a Royal Credit Union savings account as your share in the credit union and gain access to all the accounts, loans, and services that Royal Credit Union offers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25ad3e66 elementor-widget elementor-widget-heading\" data-id=\"25ad3e66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Our #1 Priority is your Satisfaction<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77e0240 elementor-widget elementor-widget-text-editor\" data-id=\"77e0240\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>All stages of the loan process are handled here, at Lake Area Mortgage. You\u2019ll appreciate our experienced staff, in-house processing, underwriting and closing department to help ensure the loan process goes smoothly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41ff1ce0 elementor-widget elementor-widget-text-editor\" data-id=\"41ff1ce0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We pride ourselves on having award-winning loan officers who are dedicated to helping customers land their dream homes. Our local market knowledge can be key during your homebuying process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b275cd7 elementor-widget elementor-widget-button\" data-id=\"6b275cd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/lakeareamortgage.com\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2f84590 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2f84590\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-62a6b984\" data-id=\"62a6b984\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cf15b10 elementor-widget elementor-widget-heading\" data-id=\"3cf15b10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Joe Bydzovsky<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2920b3fc elementor-widget elementor-widget-heading\" data-id=\"2920b3fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Mortgage Loan Officer | NMLS#270628<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-636f9bb6 elementor-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"636f9bb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:6512092911\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Office: (651) 209-2911<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Fax: (651) 209-2911<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51561919 elementor-icon-list--layout-inline elementor-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"51561919\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/mymortgage.lakeareamortgage.com\/?userid=jbydzovsky\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Apply Now<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/files.rcu.org\/docs\/privacy_policy-RCU.pdf\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Privacy Notice<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rcu.org\/terms-of-use\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Terms of Use<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c884226 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6c884226\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-320c84b4\" data-id=\"320c84b4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3012681c elementor-widget elementor-widget-heading\" data-id=\"3012681c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Take the Next Step<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-50a9e074\" data-id=\"50a9e074\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d927f77 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6d927f77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/mymortgage.lakeareamortgage.com\/?userid=jbydzovsky\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Online<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-33c7aa2b\" data-id=\"33c7aa2b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-347b1e9 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"347b1e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/mlo\/wp-content\/uploads\/2023\/12\/Joe_Bydzovsky-LAM_Pre-application_form.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Print\/Fax Application<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Call Email Apply Joe Bydzovsky Mortgage Loan Officer NMLS#270628 Facebook-f Linkedin-in Office: (651) 209-2911 Fax: (651) 305-5853 Send e-mail 1200 West County Rd. E Suite 200 Arden Hills, MN 55112 Apply Online Print\/Fax Application Required Documents Checklist Awards Meet Joe As an experienced loan officer, my goal is to provide you with individual solutions tailored [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2511","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Joe Bydzovsky | Mortgage Loan Officer MN<\/title>\n<meta name=\"description\" content=\"Connect with Joe Bydzovsky, a trusted Mortgage Loan Officer in Minnesota. Get personalized home loan guidance with Lake Area Mortgage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Joe Bydzovsky | Mortgage Loan Officer MN\" \/>\n<meta property=\"og:description\" content=\"Connect with Joe Bydzovsky, a trusted Mortgage Loan Officer in Minnesota. Get personalized home loan guidance with Lake Area Mortgage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/\" \/>\n<meta property=\"og:site_name\" content=\"MLO\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-09T16:34:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/jbydzovsky\\\/\",\"url\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/jbydzovsky\\\/\",\"name\":\"Joe Bydzovsky | Mortgage Loan Officer MN\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/jbydzovsky\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/jbydzovsky\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/joe-bydzovsy.jpg\",\"datePublished\":\"2022-09-23T09:18:41+00:00\",\"dateModified\":\"2026-07-09T16:34:49+00:00\",\"description\":\"Connect with Joe Bydzovsky, a trusted Mortgage Loan Officer in Minnesota. Get personalized home loan guidance with Lake Area Mortgage.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/jbydzovsky\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/jbydzovsky\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/jbydzovsky\\\/#primaryimage\",\"url\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/joe-bydzovsy.jpg\",\"contentUrl\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/wp-content\\\/uploads\\\/2022\\\/09\\\/joe-bydzovsy.jpg\",\"width\":850,\"height\":685},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/jbydzovsky\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Joe Bydzovsky\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/#website\",\"url\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/\",\"name\":\"MLO\",\"description\":\"Lake Area Mortgage\",\"publisher\":{\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/#organization\",\"name\":\"MLO\",\"url\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Lake_Area_Mortgage_Logo.png\",\"contentUrl\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Lake_Area_Mortgage_Logo.png\",\"width\":600,\"height\":100,\"caption\":\"MLO\"},\"image\":{\"@id\":\"https:\\\/\\\/lakeareamortgage.com\\\/mlo\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Joe Bydzovsky | Mortgage Loan Officer MN","description":"Connect with Joe Bydzovsky, a trusted Mortgage Loan Officer in Minnesota. Get personalized home loan guidance with Lake Area Mortgage.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/","og_locale":"en_US","og_type":"article","og_title":"Joe Bydzovsky | Mortgage Loan Officer MN","og_description":"Connect with Joe Bydzovsky, a trusted Mortgage Loan Officer in Minnesota. Get personalized home loan guidance with Lake Area Mortgage.","og_url":"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/","og_site_name":"MLO","article_modified_time":"2026-07-09T16:34:49+00:00","og_image":[{"url":"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/","url":"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/","name":"Joe Bydzovsky | Mortgage Loan Officer MN","isPartOf":{"@id":"https:\/\/lakeareamortgage.com\/mlo\/#website"},"primaryImageOfPage":{"@id":"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/#primaryimage"},"image":{"@id":"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/#primaryimage"},"thumbnailUrl":"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy.jpg","datePublished":"2022-09-23T09:18:41+00:00","dateModified":"2026-07-09T16:34:49+00:00","description":"Connect with Joe Bydzovsky, a trusted Mortgage Loan Officer in Minnesota. Get personalized home loan guidance with Lake Area Mortgage.","breadcrumb":{"@id":"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/#primaryimage","url":"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy.jpg","contentUrl":"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2022\/09\/joe-bydzovsy.jpg","width":850,"height":685},{"@type":"BreadcrumbList","@id":"https:\/\/lakeareamortgage.com\/mlo\/jbydzovsky\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lakeareamortgage.com\/mlo\/"},{"@type":"ListItem","position":2,"name":"Joe Bydzovsky"}]},{"@type":"WebSite","@id":"https:\/\/lakeareamortgage.com\/mlo\/#website","url":"https:\/\/lakeareamortgage.com\/mlo\/","name":"MLO","description":"Lake Area Mortgage","publisher":{"@id":"https:\/\/lakeareamortgage.com\/mlo\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lakeareamortgage.com\/mlo\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/lakeareamortgage.com\/mlo\/#organization","name":"MLO","url":"https:\/\/lakeareamortgage.com\/mlo\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lakeareamortgage.com\/mlo\/#\/schema\/logo\/image\/","url":"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2023\/11\/Lake_Area_Mortgage_Logo.png","contentUrl":"https:\/\/lakeareamortgage.com\/mlo\/wp-content\/uploads\/2023\/11\/Lake_Area_Mortgage_Logo.png","width":600,"height":100,"caption":"MLO"},"image":{"@id":"https:\/\/lakeareamortgage.com\/mlo\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/lakeareamortgage.com\/mlo\/wp-json\/wp\/v2\/pages\/2511","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lakeareamortgage.com\/mlo\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lakeareamortgage.com\/mlo\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lakeareamortgage.com\/mlo\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/lakeareamortgage.com\/mlo\/wp-json\/wp\/v2\/comments?post=2511"}],"version-history":[{"count":175,"href":"https:\/\/lakeareamortgage.com\/mlo\/wp-json\/wp\/v2\/pages\/2511\/revisions"}],"predecessor-version":[{"id":6414,"href":"https:\/\/lakeareamortgage.com\/mlo\/wp-json\/wp\/v2\/pages\/2511\/revisions\/6414"}],"wp:attachment":[{"href":"https:\/\/lakeareamortgage.com\/mlo\/wp-json\/wp\/v2\/media?parent=2511"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}