mortgageservicepro.com

What It Is

Mortgage Service Pro is a mortgage brokerage brand for Russian-speaking communities in the United States. It is operated by Dmitriy Poltavtsev and works in partnership with Stellar Mortgage Corporation. It is not a bank or direct lender; instead, it helps borrowers match with mortgage options from third-party banks, lenders, and investors, serving residential loans and some commercial real estate financing needs.

Core Capabilities

The website focuses on complex mortgage scenarios: first-time home purchases, refinancing, cash-out refinancing, DSCR investment property loans, Foreign National loans, ITIN loans, Bank Statement Loans, as well as clients with no SSN, short credit history, self-employment income, or foreign income. Coverage includes 17 states, such as Texas, California, Florida, New Jersey, and Pennsylvania. The process includes a free consultation, pre-qualification, application, underwriting, and closing. The site states that completion takes about 37 days on average, but this is not a guarantee.

Pricing and Fees

Pricing transparency is average. The website clearly states that the initial consultation is free, but it does not disclose broker fees, loan origination fees, or typical closing cost ranges. Specific interest rates, fees, and terms are determined by the lenders and may change with market conditions. For home purchase programs, the down payment may be as low as 3%; DSCR programs typically start with a 20% down payment.

Compliance and Risk Control

Compliance disclosures are relatively thorough: company NMLS #2601833 and loan officer NMLS #2190975, with a note that these can be verified through NMLS Consumer Access. The site also states compliance with fair housing and fair lending laws. In terms of risk control, it relies on credit reports, income and asset documentation, document verification, property appraisal, and lender underwriting, and it explicitly opposes false documentation and gray-area practices.

Pros and Cons

The advantages are its clearly defined niche customer base, making it suitable for Russian-speaking immigrants, borrowers without an SSN or using ITIN, self-employed clients, investment property buyers, and customers rejected by traditional banks. It works with many lending partners, which may provide more options than a single bank. The drawbacks are that it does not lend directly, final approval is not under its control, fee information is insufficient, service is limited to licensed states, and API or digital system capabilities are not disclosed.

Who It’s For and Access from China

It is better suited for borrowers buying or investing in U.S. real estate who need Russian-language communication and have non-standard qualifications. If you are looking for payment processing, acquiring, or cross-border financial APIs, this site is not a match. The review text does not provide information on access from mainland China, so the status is unknown.