Hi, I'm John...
Your

Mortgage Consultant

Your Mortgage Consultants

We make the home loan process as simple as possible by guiding you through every step.

Buy a Home
Refinance a Home
Apply Now
John Pavlakovich

Mortgage Consultant

NMLS

801982

State license
State licenses
Cell Phone
720-308-2507
Office Phone
Address:

215 Saint Paul Street

Suite 200

Denver
CO
80206
Languages:  
Awards received
No items found.

John Pavlakovich (NMLSR# 801982) has over 12 years of experience in finance and over 16 years of experience in the mortgage financing field. He is licensed in CO, CA, AZ and MN. John has a thorough understanding of the entire home buying process having a background of studying real estate at the University of Denver, Daniels College of Business. John began his mortgage career with Wells Fargo and after 10 ½ years, made the leap to HomeServices Lending (now Prosperity Home Mortgage) in 2017 to be able to be a part of the whole customer experience of One Stop Shopping.  John has been awarded the prestigious designation of President’s Club each year since joining HomeServices/Prosperity. In addition, John’s exceptionally high customer service satisfaction rating among his clients brings constant referrals.

John’s credentials include a Bachelor of Business Administration degree from the University of Denver, Daniels College of Business (’07) as well as being a Certified Licensed Mortgage Consultant with the National Mortgage Bankers Association (’17). He has been a Mortgage Loan Originator since 2012. John is a firm believer that knowledge is power. His personal goal is to help educate both clients and business partners about the home financing process, so each can move forward with an informed, efficient mortgage transaction. 

John currently resides in Columbine Valley, CO with his wife Kelly & son, Zach. In his spare time, he enjoys quality time with his family and friends, practicing yoga, playing golf, attending concerts, and volunteering.

Ask Us About
Pathway To Prosperity

Learn more

Ask Us About
Pathway To Prosperity

Learn more

Ask Us About
Pathway To Prosperity

Learn more
What's your home worth?
Get your free home valuation report!
Loading...

I'm here to answer allyour mortgage questions

  • Do I need to save for a 20% down payment?

    No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

  • Are Pre-Qualification and Pre-Approval the same thing?

    No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

  • What's the difference between an adjustable and a fixed rate mortgage?

    A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

  • What is Private Mortgage Insurance (PMI)?

    Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

  • Can I access my home equity before I finish paying off my loan?

    Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

  • What do I do if I can't afford my mortgage payment anymore?

    The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.

Calculate Your Mortgage Payment

Learn more
Learn more

"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."

4.88 of 5.00
Our average client rating. YTD 01/2023 on experience.com
Member photo
Justin Messer
President and CEO
Justin Messer
President and CEO

Explore the local area.Find restaurants, delivery, movers, and more...

Yelp preview
Farmhouse Kitchen Thai Cuisine
3133 reviews

They increased prices 2x after they redecorated. Decent food but Not worth it in my opinion. Should be $$$

Read more on Yelp
(415) 592-8232
San Francisco, CA710 Florida St
SEARCH ENGINE IS POWERED BY
Yelp logo
App

My Home Mortgage

The ProsperityNow app is a mobile application that helps Loan Officers enhance relationships, stay ahead of the competition and close loans faster! Loan Officers stay front and center with individually branded apps!

Get our app for free!

APPLE STORE
4.8 • 3K Ratings
GOOGLE PLAY
4.8 • 3K Ratings

Articles

No items found.
prosperity
john.pavlakovich@phmloans.com
john.pavlakovich@phmloans.com
john.pavlakovich@phmloans.com
Denver
john.pavlakovich@phmloans.com
1644440684524367
Get your complimentary mortgage payment estimate*
Apply Now
Get a Quote
*The mortgage payment quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
Privacy and Security Guaranteed
Where are you located?
Continue
What type of home are you purchasing?
Estimate your credit score
Continue
What is the purchase price of the new property?
$80k$2M+
Continue
What is your estimated down payment?
3.5% Down
0%50%+
Continue
Where are you at in the property search?
Are you working with a realtor?
What is your full name?
Continue
What is your email address?
Continue
What is your phone number?
By entering your contact information, you are providing express written consent for Prosperity Home Mortgage Corporation to contact you at the email and number you provided via telephone, mobile device, automated means like autodialing, text SMS/MMS and pre-recorded messages, even if you are registered on a corporate, state, or federal Do Not Call list. You are also acknowledging and agreeing to our terms of service and privacy policy. Consent is not required to use our services.
Back
Let's Find Your Home
Question  
11 
/ 11
Thanks for your information request!

Need more help of your homeownership journey?

Mortgage 101
*Not for use by New York borrowers
Privacy and Security Guaranteed
Oops! Something went wrong while submitting the form.
See if you're paying too much for your mortgage!
Apply Now
Get a Quote
*The refinance quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
Privacy and Security Guaranteed
Where are you located?
Continue
What type of home are you purchasing?
Estimate your credit score
Continue
Please estimate the value of your property.
$220,001 to $240,000
$80k $2M+
Continue
What is the remaining 1st mortgage balance?
$100,001 to $120,000
$0 $300k+
Continue
What is your 1st mortgage interest rate?
2.50%
0% 10%
Continue
What kind of rate do you have?
What kind of rate would you prefer?
How will this property be used?
Do you have a 2nd mortage?
Would you like to borrow additional cash?
What is your average monthly income?
$15,001 to $20,000
$0 $50k+
Continue
What are your average monthly expenses?
$15,001 to $20,000
$0 $50k+
Continue
What is your full name?
Continue
What is your email address?
Continue
What is your phone number?
By entering your contact information, you are providing express written consent for Prosperity Home Mortgage Corporation to contact you at the email and number you provided via telephone, mobile device, automated means like autodialing, text SMS/MMS and pre-recorded messages, even if you are registered on a corporate, state, or federal Do Not Call list. You are also acknowledging and agreeing to our terms of service and privacy policy. Consent is not required to use our services.
Back
Let's Find Your Home
Question  
11 
/ 11
Thanks for your information request!

Need more help of your homeownership journey?

Mortgage 101
*Not for use by New York borrowers
Privacy and Security Guaranteed
Oops! Something went wrong while submitting the form.
Text Link
John Pavlakovich
john.pavlakovich@phmloans.com
720-308-2507
801982