About
Aksel Chernitzky — independent mortgage broker for investors, self-employed borrowers, and homebuyers.
Aksel works with borrowers whose files need more than a generic rate quote: real estate investors, self-employed business owners, foreign nationals, and move-up buyers. The goal is the same on every file — find the cleanest approval path first, then collect the documents that actually matter.
Licensing
Aksel Chernitzky — NMLS #1933554
Sponsored by USA Financial Corporation — NMLS #307441
Equal Housing Opportunity. Verify any mortgage license at nmlsconsumeraccess.org.
What Aksel works on
DSCR & investor
Rental cash-flow qualification, portfolio growth, and cash-out scenarios.
Self-employed
Bank statement, P&L, and asset depletion paths compared before tax returns box you in.
Foreign national
Investment-property purchases and refinances for non-U.S. borrowers.
Bridge & transition
Equity, timing, and exit strategy mapped before you make an offer.
Construction & flip
Ground-up and rehab financing structured around the project, not just the borrower.
Conventional, FHA, VA, jumbo
Clean primary-residence and second-home approvals when the file fits agency rules.
How a scenario review works
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01 · Send the deal
A short intake captures the property, the goal, and the timing. No SSN, no credit pull at this stage.
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02 · Compare options
Aksel reviews program fit across available broker paths and replies, usually within one business day, with the cleanest path or the friction to fix first.
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03 · Apply with intent
Once the program is chosen, the application and document list go in already aligned to the lender’s guidelines — not collected blindly and then re-worked.
Disclosures
Information on this site is for educational purposes and does not constitute a loan offer, rate quote, or commitment to lend. All loans are subject to credit approval, property eligibility, and current lender guidelines. Program availability, pricing, and terms are subject to change without notice.