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YOUR MORTGAGE
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Edyta Pluta-Czarnecki

Edyta Pluta-Czarnecki

Sr. Mortgage Loan Originator [email protected] nmls#445996
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With over 20 years of experience in the mortgage industry, I’ve had the privilege of helping countless individuals and families achieve their dream of homeownership. After moving from Poland to the United States in the 1990s in search of better opportunities, I found my perfect career blend—combining my love for math with a deep desire to help people. This has led me to a fulfilling career where I get to guide my clients through the mortgage process with care, making sure they feel supported and informed every step of the way. I pride myself on providing personalized, friendly service, whether it’s assisting homebuyers, helping people refinance, or simply answering questions about the many options available. I believe in making what can sometimes feel like a stressful process as smooth and stress-free as possible for my clients. Outside of work, I’m a proud mom to my teenage son, Matthew, and a loving wife to my husband, Lukasz. Family is everything to me, and I cherish every moment spent with them. When I’m not working, I love spending time outdoors—whether it’s gardening, photography, or just enjoying nature’s beauty. I find so much peace in these simple pleasures. At home, our cat Lilly is always by our side, adding a little extra joy to our family life. I also love to travel, both locally and internationally, and exploring new destinations is one of my greatest joys. There’s something special about discovering new cultures, cuisines, and landscapes that always leaves me feeling inspired and refreshed. In addition to my love of travel, I’ve taken up fishing, a hobby my husband Lukasz is passionate about. Learning this new skill has been a fun way to connect with him and enjoy quiet moments outdoors. I’m all about balance—being there for my clients, enjoying time with my family, and finding peace in the outdoors. Whether helping someone find the right mortgage or enjoying a quiet afternoon in nature, I’m dedicated to bringing warmth, care, and expertise to everything I do.

Here's how we do things

Apply Online
Get
Pre-Approved
Begin Home
Search
Loan Submitted
to Processing
Clear to Close!
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Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.

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Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.

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Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.

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This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.

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After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.