{"id":3147,"date":"2025-02-26T10:42:07","date_gmt":"2025-02-26T16:42:07","guid":{"rendered":"https:\/\/www.myoakleaf.com\/?p=3147"},"modified":"2025-02-26T10:57:18","modified_gmt":"2025-02-26T16:57:18","slug":"hipoteczne-szalenstwo-zbuduj-swoj-zwycieski-plan-gry-na-kredyt-mieszkaniowy","status":"publish","type":"post","link":"https:\/\/www.myoakleaf.com\/pl\/2025\/02\/26\/mortgage-madness-build-your-winning-home-loan-game-plan\/","title":{"rendered":"Hipoteczne szale\u0144stwo: Zbuduj sw\u00f3j zwyci\u0119ski plan gry o kredyt mieszkaniowy"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:4.8%;--awb-width-medium:40%;--awb-order-medium:0;--awb-spacing-right-medium:4.8%;--awb-spacing-left-medium:4.8%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">Marzec przynosi emocje zwi\u0105zane z pora\u017ckami, zwyci\u0119stwami i marzeniami o mistrzostwie - ale w przypadku posiadania domu sukces nie zale\u017cy od szcz\u0119\u015bcia. Chodzi o strategi\u0119, przygotowanie i posiadanie za sob\u0105 odpowiedniego zespo\u0142u.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Podobnie jak dru\u017cyna koszykarska wykonuje zagrywki, aby zapewni\u0107 sobie zwyci\u0119stwo, nabywcy dom\u00f3w i w\u0142a\u015bciciele dom\u00f3w potrzebuj\u0105 planu gry, aby porusza\u0107 si\u0119 po procesie hipotecznym. Niezale\u017cnie od tego, czy kupujesz sw\u00f3j pierwszy dom, modernizujesz go, czy refinansujesz, zwyci\u0119zcami na rynku nieruchomo\u015bci nie s\u0105 ci, kt\u00f3rzy podejmuj\u0105 ryzykowne strza\u0142y - s\u0105 to ci, kt\u00f3rzy zachowuj\u0105 dyscyplin\u0119, podejmuj\u0105 \u015bwiadome decyzje i realizuj\u0105 solidn\u0105 strategi\u0119 finansow\u0105.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Je\u015bli posiadanie domu jest Twoim celem w 2025 roku, nadszed\u0142 czas, aby wkroczy\u0107 na boisko ze zwyci\u0119skim planem gry hipotecznej.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.2%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.2%;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:3.2%;--awb-spacing-left-medium:3.2%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"1024\" height=\"512\" alt=\"Olcm Mortgage Madness 0225252\" title=\"Olcm Mortgage Madness 0225252\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM_Mortgage-Madness_0225252-1024x512.png\" class=\"img-responsive wp-image-3158\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM_Mortgage-Madness_0225252-200x100.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM_Mortgage-Madness_0225252-400x200.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM_Mortgage-Madness_0225252-600x300.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM_Mortgage-Madness_0225252-800x400.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM_Mortgage-Madness_0225252-1200x600.png 1200w\" sizes=\"(max-width: 840px) 100vw, 800px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-has-icon fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:25px;margin-bottom:25px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color4);border-color:var(--awb-color4);border-top-width:1px;\"><\/div><span class=\"icon-wrapper\" style=\"border-color:transparent;font-size:16px;width: 1.75em; height: 1.75em;border-width:1px;padding:1px;margin-top:-0.5px\"><i class=\"fa-basketball-ball fas\" style=\"font-size: inherit;color:var(--awb-color4);\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color4);border-color:var(--awb-color4);border-top-width:1px;\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:35px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\"><b>Pierwszy kwarta\u0142: Zbierz sw\u00f3j zesp\u00f3\u0142 marze\u0144<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-2\"><p><span style=\"font-weight: 400;\">\u017badna mistrzowska dru\u017cyna nie wygrywa w pojedynk\u0119, podobnie jak odnosz\u0105cy sukcesy nabywca domu. W\u0142a\u015bciwy zesp\u00f3\u0142 robi r\u00f3\u017cnic\u0119.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.myoakleaf.com\/pl\/specjalista-ds-pozyczek\/\"><b>Wykwalifikowany po\u017cyczkodawca<\/b><\/a><b> (Tw\u00f3j stra\u017cnik punktowy):<\/b><span style=\"font-weight: 400;\"> Stra\u017cnik punktowy prowadzi ofensyw\u0119, ustawia zagrywki i utrzymuje dru\u017cyn\u0119 w pozycji do zdobywania punkt\u00f3w. Tw\u00f3j po\u017cyczkodawca robi to samo - pomagaj\u0105c Ci zbada\u0107 opcje po\u017cyczki, uzyska\u0107 wst\u0119pn\u0105 zgod\u0119 i opracowa\u0107 zwyci\u0119sk\u0105 strategi\u0119.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Najlepszy agent nieruchomo\u015bci (Tw\u00f3j ochroniarz):<\/b><span style=\"font-weight: 400;\"> Gracz ten posiada umiej\u0119tno\u015bci lokalizowania najlepszych okazji, negocjowania transakcji i prowadzenia u\u017cytkownika przez ca\u0142y proces.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Doradca lub planista finansowy (Tw\u00f3j trener):<\/b><span style=\"font-weight: 400;\"> Podobnie jak trener przygotowuje zesp\u00f3\u0142 do sukcesu, ekspert finansowy zapewnia, \u017ce kredyt hipoteczny pasuje do d\u0142ugoterminowej strategii budowania maj\u0105tku.<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-bg-color:var(--awb-color4);--awb-bg-color-hover:var(--awb-color4);--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-max-width:75px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img decoding=\"async\" width=\"855\" height=\"1024\" alt=\"Ikona zespo\u0142u\" title=\"Ikona zespo\u0142u\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Team-ICon-855x1024.png\" class=\"img-responsive wp-image-3151\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Team-ICon-200x239.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Team-ICon-400x479.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Team-ICon-600x718.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Team-ICon-800x958.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Team-ICon-1200x1437.png 1200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Team-ICon.png 1363w\" sizes=\"(max-width: 840px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-3\"><h3 style=\"text-align: center;\"><b>Kluczowy wniosek: <\/b><\/h3>\n<\/div><div class=\"fusion-text fusion-text-4\" style=\"--awb-text-color:var(--awb-color1);\"><p style=\"text-align: center;\">Zbuduj silny zesp\u00f3\u0142, kt\u00f3ry dobrze si\u0119 komunikuje, rozumie twoje cele i wsp\u00f3\u0142pracuje, aby je osi\u0105gn\u0105\u0107.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:35px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\"><b>Drugi kwarta\u0142: Zapoznaj si\u0119 z podr\u0119cznikiem (poznaj opcje po\u017cyczki)<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-5\"><p><span style=\"font-weight: 400;\">Dru\u017cyny mistrzowskie studiuj\u0105 filmy i analizuj\u0105 strategie. Nabywcy dom\u00f3w powinni przyj\u0105\u0107 takie samo podej\u015bcie podczas oceny opcji kredytu hipotecznego.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.myoakleaf.com\/pl\/tradycyjny-kredyt-hipoteczny\/fha\/\"><b>Po\u017cyczki FHA<\/b><\/a><span style=\"font-weight: 400;\"> - Idealny dla kupuj\u0105cych po raz pierwszy z ni\u017cszymi zaliczkami i elastycznymi wymaganiami kredytowymi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.myoakleaf.com\/pl\/tradycyjny-kredyt-hipoteczny\/konwencjonalny\/\"><b>Po\u017cyczki konwencjonalne<\/b><\/a><span style=\"font-weight: 400;\"> - Najlepsze dla kupuj\u0105cych z silnym kredytem i stabilnym dochodem.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.myoakleaf.com\/pl\/tradycyjny-kredyt-hipoteczny\/va\/\"><b>Po\u017cyczki VA<\/b><\/a><span style=\"font-weight: 400;\"> - Oferuje wyj\u0105tkowe korzy\u015bci dla weteran\u00f3w, w tym zerow\u0105 zaliczk\u0119 i konkurencyjne oprocentowanie.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.myoakleaf.com\/pl\/hipoteka-portfelowa\/pozyczka-kup-teraz-sprzedaj-pozniej\/\"><b>Program kredytowy Kup Teraz, Sprzedaj P\u00f3\u017aniej (BNSL)<\/b><\/a><span style=\"font-weight: 400;\"> - Zapewnia elastyczno\u015b\u0107 w\u0142a\u015bcicielom dom\u00f3w, kt\u00f3rzy chc\u0105 kupi\u0107 nast\u0119pny dom przed sprzeda\u017c\u0105 obecnego, eliminuj\u0105c oferty warunkowe.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.myoakleaf.com\/pl\/tradycyjny-kredyt-hipoteczny\/uslugi-refinansowania\/\"><b>Refinansowanie<\/b><\/a> - Mo\u017ce pom\u00f3c obni\u017cy\u0107 oprocentowanie, skr\u00f3ci\u0107 okres kredytowania lub odblokowa\u0107 kapita\u0142 got\u00f3wkowy w celu poprawy sytuacji finansowej. <a href=\"https:\/\/www.myoakleaf.com\/pl\/joe-lagiglia-lo-rate-alert\/\">Zarejestruj si\u0119, aby otrzymywa\u0107 powiadomienia o stawkach<\/a> lub spersonalizowan\u0105 konsultacj\u0119!<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-bg-color:var(--awb-color4);--awb-bg-color-hover:var(--awb-color4);--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-max-width:75px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-3 hover-type-none\"><img decoding=\"async\" width=\"855\" height=\"1024\" alt=\"Ikona po\u017cyczki\" title=\"Ikona po\u017cyczki\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Loan-Icon-855x1024.png\" class=\"img-responsive wp-image-3149\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Loan-Icon-200x239.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Loan-Icon-400x479.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Loan-Icon-600x718.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Loan-Icon-800x958.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Loan-Icon-1200x1437.png 1200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/Loan-Icon.png 1363w\" sizes=\"(max-width: 840px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-6\"><h3 style=\"text-align: center;\"><b>Kluczowy wniosek: <\/b><\/h3>\n<\/div><div class=\"fusion-text fusion-text-7\" style=\"--awb-text-color:var(--awb-color1);\"><p style=\"text-align: center;\">W\u0142a\u015bciwy program kredytowy jest jak w\u0142a\u015bciwa strategia ofensywna - zapewnia sukces. Do\u015bwiadczony po\u017cyczkodawca pomo\u017ce ci znale\u017a\u0107 najlepsze rozwi\u0105zanie.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:35px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\"><b>P\u00f3\u0142metek: Sprawd\u017a swoje statystyki (kredyt, bud\u017cet i oszcz\u0119dno\u015bci)<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-8\"><p><span style=\"font-weight: 400;\">Zwyci\u0119skie dru\u017cyny dostosowuj\u0105 si\u0119 w po\u0142owie meczu, aby zapewni\u0107 sobie zwyci\u0119stwo. Zanim przyst\u0105pisz do procesu zaci\u0105gania kredytu hipotecznego, zr\u00f3b krok wstecz i oce\u0144 swoj\u0105 sytuacj\u0119 finansow\u0105.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ocena kredytowa:<\/b><span style=\"font-weight: 400;\"> Wy\u017csze wyniki odblokowuj\u0105 lepsze opcje kredytowe. Popraw swoje wyniki, sp\u0142acaj\u0105c salda i unikaj\u0105c nowych zapyta\u0144 kredytowych.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bud\u017cet:<\/b><span style=\"font-weight: 400;\"> Poznaj sw\u00f3j miesi\u0119czny doch\u00f3d, d\u0142ugi i wydatki, aby okre\u015bli\u0107, na jaki dom mo\u017cesz sobie pozwoli\u0107.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Wska\u017anik zad\u0142u\u017cenia do dochodu (DTI):<\/b><span style=\"font-weight: 400;\"> Po\u017cyczkodawcy u\u017cywaj\u0105 tego wska\u017anika do oceny zdolno\u015bci do sp\u0142aty po\u017cyczki. Ni\u017cszy wska\u017anik DTI zwi\u0119ksza si\u0142\u0119 nabywcz\u0105.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Zaliczka i koszty zamkni\u0119cia:<\/b> Nawet je\u015bli kwalifikujesz si\u0119 do opcji niskiej zaliczki, posiadanie dodatkowych oszcz\u0119dno\u015bci zapewnia wi\u0119ksz\u0105 elastyczno\u015b\u0107 finansow\u0105.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-bg-color:var(--awb-color4);--awb-bg-color-hover:var(--awb-color4);--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-max-width:75px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-4 hover-type-none\"><img decoding=\"async\" width=\"855\" height=\"1024\" alt=\"Ikona listy\" title=\"Ikona listy\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/List-Icon-855x1024.png\" class=\"img-responsive wp-image-3150\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/List-Icon-200x239.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/List-Icon-400x479.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/List-Icon-600x718.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/List-Icon-800x958.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/List-Icon-1200x1437.png 1200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/List-Icon.png 1363w\" sizes=\"(max-width: 840px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-9\"><h3 style=\"text-align: center;\"><b>Kluczowy wniosek: <\/b><\/h3>\n<\/div><div class=\"fusion-text fusion-text-10\" style=\"--awb-text-color:var(--awb-color1);\"><p style=\"text-align: center;\">Przygotowanie finans\u00f3w ju\u017c teraz zapewnia p\u0142ynny zakup domu i zapobiega niespodziankom w ostatniej chwili.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:35px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\"><b>Trzeci kwarta\u0142: Unikaj zwrot\u00f3w akcji (Najcz\u0119stsze b\u0142\u0119dy w kredytach hipotecznych, na kt\u00f3re nale\u017cy uwa\u017ca\u0107)<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-11\"><p><span style=\"font-weight: 400;\">B\u0142\u0119dy w procesie zaci\u0105gania kredytu hipotecznego mog\u0105 kosztowa\u0107 utrat\u0119 wymarzonego domu. Oto, czego nale\u017cy unika\u0107:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Dokonywanie du\u017cych zakup\u00f3w przed zamkni\u0119ciem transakcji:<\/b><span style=\"font-weight: 400;\"> Unikaj kupowania nowego samochodu lub otwierania nowych rachunk\u00f3w kredytowych, poniewa\u017c mo\u017ce to wp\u0142yn\u0105\u0107 na wska\u017anik zad\u0142u\u017cenia do dochod\u00f3w i op\u00f3\u017ani\u0107 zatwierdzenie po\u017cyczki.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Odej\u015bcie lub zmiana pracy:<\/b><span style=\"font-weight: 400;\"> Kredytodawcy oczekuj\u0105 stabilnych dochod\u00f3w przed zatwierdzeniem kredytu hipotecznego. Je\u015bli to mo\u017cliwe, unikaj zmian pracy w tym czasie.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pomini\u0119cie wst\u0119pnego zatwierdzenia:<\/b> Poszukiwanie domu bez wst\u0119pnego zatwierdzenia jest jak wej\u015bcie na boisko bez planu gry. Wst\u0119pne zatwierdzenie pokazuje sprzedaj\u0105cym, \u017ce jeste\u015b powa\u017cny i zapewnia, \u017ce robisz zakupy w ramach swojego bud\u017cetu.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-bg-color:var(--awb-color4);--awb-bg-color-hover:var(--awb-color4);--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-max-width:75px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-5 hover-type-none\"><img decoding=\"async\" width=\"855\" height=\"1024\" alt=\"Ikona pieni\u0119dzy Olcm House\" title=\"Ikona pieni\u0119dzy Olcm House\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM-House-Money-Icon-855x1024.png\" class=\"img-responsive wp-image-3169\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM-House-Money-Icon-200x240.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM-House-Money-Icon-400x479.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM-House-Money-Icon-600x719.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM-House-Money-Icon-800x958.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM-House-Money-Icon-1200x1438.png 1200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2025\/02\/OLCM-House-Money-Icon.png 1363w\" sizes=\"(max-width: 840px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-12\"><h3 style=\"text-align: center;\"><b>Kluczowy wniosek: <\/b><\/h3>\n<\/div><div class=\"fusion-text fusion-text-13\" style=\"--awb-text-color:var(--awb-color1);\"><p style=\"text-align: center;\">Chro\u0144 swoj\u0105 zgod\u0119 na kredyt hipoteczny, podejmuj\u0105c m\u0105dre decyzje finansowe w trakcie ca\u0142ego procesu.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\"><h3><strong>Czwarta kwarta: mocny finisz i pewne zwyci\u0119stwo<\/strong><\/h3><\/h3><\/div><div class=\"fusion-text fusion-text-14\"><p><span style=\"font-weight: 400;\">Ostatni etap to przede wszystkim wykonanie. Pozosta\u0144 w \u015bcis\u0142ej komunikacji z po\u017cyczkodawc\u0105 i agentem nieruchomo\u015bci, szybko odpowiadaj na wszelkie pro\u015bby o dokumenty i przygotuj si\u0119 na dzie\u0144 zamkni\u0119cia. Kiedy podpiszesz ostateczne dokumenty i otrzymasz klucze do domu, oficjalnie wygrasz mistrzostwa.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-has-icon fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color4);border-color:var(--awb-color4);border-top-width:1px;\"><\/div><span class=\"icon-wrapper\" style=\"border-color:transparent;font-size:16px;width: 1.75em; height: 1.75em;border-width:1px;padding:1px;margin-top:-0.5px\"><i class=\"fa-basketball-ball fas\" style=\"font-size: inherit;color:var(--awb-color4);\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color4);border-color:var(--awb-color4);border-top-width:1px;\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color4);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\"><h3><b>Fina\u0142owy brz\u0119czyk: Czy jeste\u015b gotowy do gry?<\/b><\/h3><\/h3><\/div><div class=\"fusion-text fusion-text-15\"><ul>\n<li>Kupno domu lub refinansowanie w 2025 roku?<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ciekawi <\/span><a href=\"https:\/\/www.myoakleaf.com\/pl\/hipoteka-portfelowa\/pozyczka-kup-teraz-sprzedaj-pozniej\/\"><b>Program po\u017cyczkowy \"Kup teraz, sprzedaj p\u00f3\u017aniej<\/b><\/a><span style=\"font-weight: 400;\">?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Potrzebujesz eksperta od kredyt\u00f3w hipotecznych?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Rynek mieszkaniowy w stanach Illinois i Wisconsin jest konkurencyjny, ale dzi\u0119ki odpowiedniej strategii, zespo\u0142owi i wykonaniu mo\u017cesz wyj\u015b\u0107 na prowadzenie. Stw\u00f3rzmy Tw\u00f3j plan gry hipotecznej i sprawmy, aby rok 2025 by\u0142 rokiem, w kt\u00f3rym osi\u0105gniesz sukces w posiadaniu domu.<\/span><\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.myoakleaf.com\/pl\/specjalista-ds-pozyczek\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Skontaktuj si\u0119 z trenerem hipotecznym ju\u017c dzi\u015b!<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:35px;--awb-padding-bottom:35px;--awb-margin-top:55px;--awb-margin-bottom:55px;--awb-background-color:rgba(234,234,234,0.89);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.5;\"><b>Poznaj jednego z naszych trener\u00f3w hipotecznych: Joe LaGiglia<\/b><\/h4><\/div><div class=\"fusion-text fusion-text-16\"><p><a href=\"https:\/\/www.myoakleaf.com\/pl\/specjalista-ds-pozyczek\/joe-lagiglia\/\"><span style=\"font-weight: 400;\">Joe LaGiglia<\/span><\/a><span style=\"font-weight: 400;\"> jest Senior Mortgage Loan Originator w Oak Leaf Community Mortgage, powered by <\/span><a href=\"https:\/\/www.northshoretrust.com\/\"><span style=\"font-weight: 400;\">North Shore Trust and Savings<\/span><\/a><span style=\"font-weight: 400;\"> (NMLS #438265). Posiadaj\u0105c og\u00f3lnokrajow\u0105 licencj\u0119, Joe specjalizuje si\u0119 w pomaganiu w\u0142a\u015bcicielom dom\u00f3w i kupuj\u0105cym w tworzeniu zwyci\u0119skich strategii hipotecznych.<\/span><\/p>\n<p><b>Zadzwo\u0144 lub napisz:<\/b><span style=\"font-weight: 400;\"> 630-936-3242 (<\/span><b>NMLS #703971<\/b><span style=\"font-weight: 400;\">) lub <\/span><a href=\"https:\/\/www.myoakleaf.com\/pl\/specjalista-ds-pozyczek\/joe-lagiglia\/\"><b>Odwied\u017a stron\u0119 Joe<\/b><\/a><\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:15px;margin-bottom:15px;width:100%;\"><div class=\"fusion-separator-border sep-single\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color3);border-color:var(--awb-color3);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-text fusion-text-17\"><p><b><i>Ta wiadomo\u015b\u0107 zosta\u0142a napisana przez\u00a0<a href=\"https:\/\/www.myoakleaf.com\/pl\/specjalista-ds-pozyczek\/joe-lagiglia\/\">Joe LaGiglia<\/a>\u00a0Oak Leaf Community Mortgage, NMLS #703971. R\u00f3wny po\u017cyczkodawca mieszkaniowy. Cz\u0142onek FDIC.<\/i><\/b><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-aspect-ratio:1 \/ 1;--awb-max-width:300px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div style=\"display:inline-block;width:300px;\"><span class=\"fusion-imageframe imageframe-none imageframe-6 hover-type-none has-aspect-ratio\" style=\"border:5px solid var(--awb-color4);border-radius:50%;\"><img decoding=\"async\" width=\"835\" height=\"836\" alt=\"Jl Headshot 1st Choice Blue Hr Clipped\" title=\"Jl Headshot 1st Choice Blue Hr Clipped\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped.png\" class=\"img-responsive wp-image-1678 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-200x200.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-400x400.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-600x601.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-800x801.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped.png 835w\" sizes=\"(max-width: 840px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":3157,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":false,"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgage Madness: Build Your Winning Home Loan Game Plan<\/title>\n<meta name=\"description\" content=\"Looking to buy a home or refinance in Illinois or Wisconsin? 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