The Kolesar Team Inc.

The Kolesar Team Inc. Brendan Kolesar, Loan Originator, NMLS #260655 IL: www.nmlsconsumeraccess.org. MN: This is not an offer to enter into an agreement. Stat. 47.206(3) & (4).

Brendan Kolesar, Loan Originator, NMLS #260655
Cherry Creek Mortgage, LLC NMLS #3001 AZ: Mortgage Banker License -0904024. CA: Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act License 4130289. Any such offer may only be made in accordance with Minn. NJ: Licensed by the NJ Dept. of Banking and Insurance. OH: Ohio

Mortgage Broker Mortgage Banker Exemption MBMB.850096.000. OR: Oregon License Number ML-4807. Equal Housing Opportunity. For licensing Information go to https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3001.

Two closings. One incredible team. Zero stress. 🏡🏡✨We are so proud to have helped our amazing buyers close on TWO proper...
06/05/2026

Two closings. One incredible team. Zero stress. 🏡🏡✨

We are so proud to have helped our amazing buyers close on TWO properties at the same time — all within a 17-day period! 🔑🔑🎊

Seeing our clients thrilled and taken care of is exactly why we do what we do. 🙏❤️

Ready to start your home buying journey? We’ve got you. 💼📲

NewHome ClientLove RealEstateGoals ClosingDay HappyBuyers HomeSweetHome RealEstateLife DreamHome TrustedAgents HouseHunting

🏡 Self-Employed? You CAN Own a Home! 🙌Tired of hearing “you don’t qualify” just because you take write-offs? Bank Statem...
05/13/2026

🏡 Self-Employed? You CAN Own a Home! 🙌
Tired of hearing “you don’t qualify” just because you take write-offs? Bank Statement Loans were made for YOU! 💪
Instead of tax returns, we use 12–24 months of bank statements to verify your income — keeping more money in your pocket AND getting you into the home of your dreams! ✅
💼 Perfect for:
• Freelancers & consultants
• Business owners
• Gig workers & contractors
• Anyone who pays themselves differently!
The has helped COUNTLESS self-employed borrowers stop renting and start owning — and we’re ready to do the same for YOU! 🔑🏠
📲 DM us TODAY to find out how much you qualify for — it’s easier than you think!

KolesarTeam MortgageTips RealEstate FreelancerLife BusinessOwner GigEconomy HomebuYerTips NoTaxReturnsNeeded MortgageBroker FirstTimeHomeBuyer DreamHome RealEstateTips HomeLoans YouCanOwnAHome SelfEmployedAndThriving 1099Life

🛡️✨ At The Kolesar Team, everything we do comes back to one simple promise — Protect the Experience.Buying a home is one...
05/10/2026

🛡️✨ At The Kolesar Team, everything we do comes back to one simple promise — Protect the Experience.
Buying a home is one of the biggest moments of your life. It should feel exciting, not stressful. Empowering, not confusing. And that’s exactly what we show up to deliver every single day. 💪
Here’s what that means for YOU 👇
🎯 Clear communication — no surprises, no guesswork, just straight answers every step of the way
🤝 Your best interests first — always. Full stop.
💡 Expert guidance — we do the heavy lifting so you can focus on the fun part… finding your home!
⏱️ We respect your time — efficient process, smooth closings, zero runaround
❤️ We treat you like family — because a transaction to some is a life moment to us
We don’t just close loans. We protect your journey from start to finish. 🏡
The Kolesar Team has built our reputation on making sure every client walks away feeling confident, cared for, and celebrated. That’s not just a tagline — it’s how we operate. 🙌
Ready to work with a team that truly has your back? Let’s talk! 💬
📲 DM us today and experience the difference.
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🏡✨ Ready to stop renting and start owning? An FHA loan might be exactly what’s been standing between you and your first ...
05/10/2026

🏡✨ Ready to stop renting and start owning? An FHA loan might be exactly what’s been standing between you and your first home — and it’s more accessible than you think!
Here’s why FHA loans are a GAME CHANGER for first-time buyers 👇
💰 Down payment as low as 3.5% — you don’t need a huge pile of savings to get started
📉 Lower credit score requirements — more forgiving than conventional loans, so past bumps in the road won’t hold you back
🤝 Flexible debt-to-income ratios — even if you’re carrying student loans or a car payment, you may still qualify
🏦 Competitive interest rates — government-backed means lenders can offer great terms
✅ Easier to qualify overall — FHA loans are specifically designed to open doors for everyday buyers
🎁 Sellers can contribute toward closing costs — helping you keep even more money in your pocket on closing day
🔑 Use it on many property types — single family, multi-unit, condos and more
The path to homeownership doesn’t have to be overwhelming — it just needs the right team in your corner. At The Kolesar Team, we specialize in FHA loans and we genuinely LOVE walking first-time buyers through every single step of the process. No confusing jargon. No pressure. Just real guidance from people who care about getting you into your home. 🙌
Whether you have a million questions or don’t even know where to begin — that’s exactly what we’re here for. Your journey starts with one conversation! 💬
📲 DM us or drop a comment below — let’s figure out what you qualify for today!
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🎖️ You served our country. Now let us serve you. 🏡As a San Diego-based lending team rooted in one of the nation’s larges...
05/08/2026

🎖️ You served our country. Now let us serve you. 🏡

As a San Diego-based lending team rooted in one of the nation’s largest military communities, helping veterans and active duty service members achieve homeownership isn’t just business — it’s personal. 🇺🇸

VA financing is one of the most powerful home buying benefits available, and not enough people know how to use it to its full potential. Here’s what makes it a game-changer:

✅ $0 Down Payment — yes, zero
✅ No Private Mortgage Insurance (PMI)
✅ Competitive interest rates
✅ More flexible qualification guidelines
✅ Lifetime benefit — use it again & again

The Kolesar Team has helped countless veterans and active duty families plant roots here in San Diego — and we know the VA loan process inside and out. Whether you’re PCS’ing to the area, buying your first home, or ready to upgrade — we’re here for you. 💪

📲 DM us or drop a comment below and let’s get you started. Your benefit. Your home. Your time.

VAFinancing MilitaryMoves ActiveDutyLife ZeroDown VeteranOwned HomeBuying PCSmove NavyLife MarineLife SanDiegoLending VAMortgage MilitaryCommunity VeteranStrong HomeOwnership SDHomes

🏡 Did you know manufactured homes are one of the BEST solutions to the housing affordability crisis? In high-cost areas ...
05/01/2026

🏡 Did you know manufactured homes are one of the BEST solutions to the housing affordability crisis?

In high-cost areas where traditional homeownership feels out of reach, manufactured homes offer quality living at a fraction of the price — and the Kolesarteam knows how to finance them. 💪

We have extensive knowledge of manufactured home financing and the loan options available to make it work for you. Whether you’re a first-time buyer or looking to plant roots without breaking the bank, we’re equipped to guide you through the process and get you to the closing table. 🔑✅

Why manufactured homes? 🏠 Significantly lower cost per square foot 📍 Available in the communities you love 💰 Real financing options — and we know them well 🤝 A team with the knowledge and experience to help you navigate them.

If you’ve been told manufactured home financing is complicated or hard to get — come talk to us. We know this space and we’re here to help.

📞 Reach out to the Kolesarteam today and let’s find a path to homeownership that fits YOUR budget. 👇 Drop a ❤️ if affordability in housing matters to you, or TAG someone who needs to hear this!

MobileHomeFinancing HousingAffordability FirstTimeHomeBuyer ManufacturedHomeLoans

🏠➡️🏢➡️🏘️ One home. Then another. Then another.That’s the journey our repeat clients take with The Kolesar Team — and we ...
04/30/2026

🏠➡️🏢➡️🏘️ One home. Then another. Then another.

That’s the journey our repeat clients take with The Kolesar Team — and we couldn’t be more proud to be part of it. 🙌

When our clients are ready to buy their next investment property, they don’t start from scratch. They call us. Because they know we’ll close fast, structure it smart, and actually pick up the phone. 📲

Here’s why our clients keep coming back 🔄

🤝 We Know Their Story
Repeat clients skip the paperwork headaches — we already know their financial profile and goals.

⚡ Faster Closings
Trust built over time means streamlined communication, quicker approvals, and zero surprises at the closing table.

🧠 Strategy, Not Just Loans
We help our clients think like investors — structuring financing to maximize cash flow and long-term returns.

📞 Real People. Real Answers.
No 1-800 numbers. Our clients get direct access to our team every single step of the way.

🔑 Whether it’s your first rental or your fifth — we help you finance it the RIGHT way so the numbers actually work.

📊 DSCR loans. Portfolio financing. Rate strategy across every property you own. We do it all.

💬 Ready to grow your portfolio? DM us “INVEST” and let’s build your next move together. 👇

🏡 Did you know you can BUY DOWN your mortgage rate?Most buyers don’t realize this powerful strategy exists — and it coul...
04/30/2026

🏡 Did you know you can BUY DOWN your mortgage rate?

Most buyers don’t realize this powerful strategy exists — and it could save you hundreds every single month. 👇

Here’s how it works:

📉 A rate buydown lowers your interest rate — either temporarily, permanently, or BOTH.

🪜 Step-Down Buydown (3-2-1 or 2-1)
Your rate is reduced for the first 1–3 years of your loan, giving you breathing room while you settle into your new home.

➡️ Year 1: Rate drops 3% below your note rate
➡️ Year 2: Rate drops 2% below
➡️ Year 3: Rate drops 1% below
➡️ Year 4+: You pay your full (already agreed-upon) rate

💎 Permanent Buydown
Pay points upfront to lower your rate for the ENTIRE life of the loan. Every payment. Every year. Forever.

🔥 Stack BOTH and you get:
✅ An immediately lower rate from day one
✅ A permanently reduced rate locked in for life
✅ Maximum monthly savings early on when cash flow matters most
✅ More money freed up to build equity faster

🤝 Here’s the secret weapon:
In today’s market, you can negotiate for the SELLER to pay the buydown cost as a closing concession. That means YOU get the savings without paying extra out of pocket.

💰 The math doesn’t lie.
A 1% rate reduction on a $400,000 loan saves you roughly $250/month — that’s $3,000 a year back in your pocket.

📲 Drop a 💬 in the comments or DM me “BUYDOWN” and I’ll show you exactly how much YOU could save on your next home purchase.

Don’t leave money on the table. Your dream home just got more affordable. 🏠✨

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We’re all about creating a rinse-and-repeat customer service experience that our clients can trust again and again. Ever...
11/06/2025

We’re all about creating a rinse-and-repeat customer service experience that our clients can trust again and again. Every property journey should feel seamless, transparent, and empowering.

What we do to earn repeat business:
Clear, proactive communication at every step 💬
Streamlined processes that reduce friction 🧭
Tailored loan solutions that fit each unique situation 💳
Consistent check-ins and accessibility ⏰
Honesty, integrity, and a partnership mindset 🤝
Post-transaction support to set up future investments 🏡

Why it works:
Builds confidence: clients know what to expect and when 📅
Saves time: predictable steps and dependable milestones ⏱️
Fosters loyalty: people come back when they feel understood and valued 💙

Brendan and his team lead by example, championing a client-first approach that scales. The goal is repeatable excellence—so every client experience is a win that leads to repeat clients.

Want a proven, repeatable path to smooth property investments? Let’s talk. DM us or visit the link in bio today! 🚀

The Kolesar Team: Lending with a defined, streamlined process. 🔧👥 Clear roles, real-time updates 📈🕒, secure docs 🔐📂, pla...
10/02/2025

The Kolesar Team: Lending with a defined, streamlined process. 🔧👥 Clear roles, real-time updates 📈🕒, secure docs 🔐📂, plain terms 🗣️💬, on-time closes 🕒✅.

Address

5050 Avenida Encinas, Ste 120
Carlsbad, CA
92008

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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