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Lamont Klecot, (NMLS ID 1446587)

Lamont Klecot

Direct Lending Officer

NMLS ID: 1446587

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

About Lamont Klecot

My experience in the housing industry began in 1988 as a real estate agent in Southern California. Years later, I was drawn back as a rate lock agent, which allowed me the opportunity to understand financial markets and the importance of recognizing driving forces to the most popular question, "What is my interest rate?" Today, I am a loan officer committed to helping you find the loan program that best suits your unique financial requirements whether purchasing or refinancing your first, second, or investment home.

 

I grew up in Wisconsin, a hearing child of Deaf parents. I joined the United States Marine Corps at 17, and was dedicated to protecting American freedoms and dreams. I live in Michigan with my wife of 14 years, and I have two sons and two daughters that are my whole world.

 

I'd love the opportunity to evaluate your financial situation and craft a mortgage solution to meet your needs!

Mortgage Specialization

  • Condominium Financing
  • FHA Government Loans
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Client Testimonials

Hear what my previous clients have to say about my work.

Robert J. Michigan
“My Loan Officer Lamont and the processor Jennifer were fantastic. I have already referred a Coworker to Flagstar.”
Debi A. Michigan
“Lamont was a pleasure working with”
John H Michigan
“I appreciated Lamont's demeanor and consultative style when we first spoke. He took a high road in positioning the value of Flagstar, versus cutting down the competition”
Rachael F. New Mexico
“This was a great experience. As a Realtor myself I would use Flagstar again and would recommend them to my clients.”
Estella E. Virginia
“Sometimes you hesitate on making a move due to stressful processes but this wasn't the case for me with Flagstar. Lamont stopped and answered all my questions. I'm so glad I stayed with Flagstar for my refinancing. Thank you. God Bless!”
Sharon D. Nevada
“Flagstar Bank was very easy to work with through the loan process.”
Kerilyn B. Michigan
“I was dreading going through the refinance process, Lamont was my first contact when I started shopping around and he made it so simple and easy to understand that I didn't need to shop around any more for lenders.”
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Lamont Klecot, (NMLS ID 1446587)

Lamont Klecot

Direct Lending Officer

NMLS ID: 1446587

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

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Today's Rate

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1Rate as of 4/9/2021 10:16 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,022. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 4/9/2021 10:16 AM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,580. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  4/9/2021 10:16 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $964. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Lamont Klecot, (NMLS ID 1446587)

Lamont Klecot

Direct Lending Officer

NMLS ID: 1446587