Mortgage Planning for
Complex Borrowing,
Buying, and Building.
I help physicians, custom-home buyers, relocating families and self-employed borrowers plan their financing before they commit to a property, builder or financing structure.
Personal mortgage planning backed by the lending capabilities of Liberty Federal Credit Union.
Matt Siket | Mortgage Loan Originator | NMLS #442558
Why Work With Matt
More than two decades in mortgage lending, with experience across origination, processing, underwriting and private banking.
The Story Behind Borrow Buy Build →
Financing for Complex Situations
Each program is designed for a specific type of borrower or transaction. Click any card to learn more about how it works and who it's for.
Physician Mortgage
Specialized mortgage planning for physicians, residents and dentists — including employment-contract qualifying and program-specific down-payment structures for eligible borrowers.
Construction, Owner-Builder & Barndominium Planning
Plan the construction path, builder relationship, budget, and financing structure before you commit.
Buy Before You Sell
Coordinate the purchase of your next home with the sale of your current one. Qualification, available equity, and timing determine the right approach.
Self-Employed Borrowers
Mortgage planning for self-employed borrowers, business owners and 1099 earners whose income documentation doesn't fit a standard W-2 profile.
Relocation Financing
Mortgage planning for families relocating for work — coordinating the purchase timeline, employment documentation and housing transition.
Lot Loans
Standalone financing to purchase a lot before construction begins. Useful when you want to secure land before finalizing building plans.
Mortgage Planning, Not Just Mortgage Processing
Planning Before Preapproval
Most lenders start with a credit pull. I start with a conversation about your timeline, income structure and housing goals — so the mortgage plan fits your situation.
Complex Situations Welcome
Physicians finishing training, families building custom homes, self-employed borrowers, relocating executives — these are the situations I spend most of my time on.
One Lender, Multiple Programs
A broad range of mortgage programs gives us room to match the right product to your situation rather than fitting you into a single option.
Start With a Planning Review
Before preapproval, before applications, before credit pulls — let's map out the timing, income structure and financing options that fit your situation.
Eligibility requirements apply. All loans subject to credit approval. Not all applicants or properties will qualify.