Edyta Pluta-Czarnecki / Your Neighborhood Mortgage Broker

07/24/2026

To jedno z najczęstszych pytań, które słyszę:
"Czy teraz w ogóle mam szansę na kredyt?"

W wielu przypadkach odpowiedź może Cię pozytywnie zaskoczyć.

Każda sytuacja jest inna, dlatego warto po prostu porozmawiać i sprawdzić, jakie masz możliwości. Krótka rozmowa nic nie kosztuje, a może pomóc Ci szybciej zrealizować plany.

Jeśli niedawno przeszedłeś na 1099 lub znasz kogoś, kto jest w takiej sytuacji, odezwij się do mnie. Z przyjemnością wszystko wyjaśnię i wspólnie sprawdzimy dostępne opcje.

Edyta Pluta-Czarnecki / Your Neighborhood Mortgage Broker
Edyta Pluta-Czarnecki
Senior Mortgage Loan Officer | NMLS #445996
📞 773-580-9890

07/24/2026

Don't assume switching to 1099 means putting your home purchase on hold.

Every situation is different, and there may be options available sooner than you think. If you've recently become an independent contractor or self-employed, let's take a look at what's possible.

A quick conversation could save you months or even years of waiting.

Reach out anytime.

Edyta Pluta-Czarnecki
Sr. Mortgage Loan Officer | NMLS #445996
773-580-9890

07/21/2026

After months of refining, tweaking, and second-guessing... I finally have a logo that feels right.

07/16/2026

Congratulations to this wonderful family on adding another property to their growing family real estate portfolio, and to our first-time investor on achieving an exciting milestone!

Every closing represents a new opportunity, and I'm grateful to have been part of this one. Thank you to our amazing real estate partners for another smooth and successful transaction. Looking forward to many more!

07/11/2026

Another one in the books!
Congratulations to my clients on their new vacation home in Minnesota. I hope it's filled with great weekends and even better memories.
Shoutout to an awesome local Realtor Kerry Ruyak and proud Veteran who made this one happen. If you're looking to buy in the area, you're in great hands.
Always thankful for my Financial Group, LLC team for helping get us to the closing table.
Whether you're buying your first home, a vacation home, or your next investment property, I'm always happy to help. Edyta Pluta-Czarnecki / Your Neighborhood Mortgage Broker

07/02/2026

5.0 star review received on Experience.com for Edyta Pluta-Czarnecki by Kevin T - I have worked with Edyta multiple times now. She is very knowledgeable and easy to work with. Her team is amazing and things always move very smoothly. I can’t recommend her enough!

Click to see all 38 reviews of Edyta Pluta-Czarnecki, Mortgage Loan Originator | NMLS #445996

06/25/2026

5.0 star review received on Experience.com for Edyta Pluta-Czarnecki by John Y - I had the pleasure to work with edyta pluta as a loan officer which turns up great. She made house buying very easy and stress free. I wana thank her for the good work. 👍

Click to see all 37 reviews of Edyta Pluta-Czarnecki, Mortgage Loan Originator | NMLS #445996

06/17/2026

🏡❤️ Congratulations to this incredible family on becoming homeowners!
After more than a year of hearing "no," they never stopped believing in their dream. I'm so grateful they trusted me to help guide them through the journey, and seeing them receive the keys to their new home made it all worthwhile.
Thank you for allowing me to be part of such a special moment. Congratulations the agents, and a special thank you to the Barrett Financial team for helping make this dream a reality.
Welcome home! 🔑✨