Help getting a mortgage in Moscow

I talk to the banks for you

Family, military, IT or a regular market program — I’ll choose the one that suits you and work out the real payment, including insurance, valuation and fees.

I gather the documents, apply to several banks at once and get the apartment itself cleared with the bank, so the approval doesn’t expire over the valuation or the property check.

Turnkey mortgage

If you’re buying an apartment with a mortgage. I guide you from choosing a program to the loan being issued and registration.

coston requestDiscuss a mortgage

How it goes

01
We go through income and goal
Official income, sole proprietorship, self-employment, down payment, benefits for families. I tell you right away what amount you can count on.
02
I choose programs and banks
I compare rates, requirements and the costs advertising keeps quiet about: insurance, valuation, fees.
03
I gather documents and apply
I help fill in the forms the way the bank reads them, and apply to several banks at once.
04
We pick the best approval
I show the banks’ answers side by side: rate, payment, overpayment. The decision is yours.
05
I clear the apartment with the bank
Valuation, insurance, property check. I make sure the approval doesn’t expire before the deadline.
06
The deal and loan issue
Loan agreement, payments through a secure account or letter of credit, registration of title and pledge.

Approval only

If you want to know your budget before looking for an apartment. You can choose the apartment later.

coston requestFind out your budget

How it goes

01
Review of income and credit history
I look at what the bank will see and what is worth fixing before you apply.
02
Choosing programs
Subsidized and market programs that fit your situation.
03
Documents and applications
I put the package together and apply to several banks at once.
04
Approval and budget
You get an approval and the exact amount you can look for an apartment with.

People trust mewith their home.I remember thatin every deal.

Book a consultation

People trust me with what matters most — a home. I remember that in every deal.

Marina SotnikovaFounder of the agency “Marina Sotnikova Real Estate Boutique”

I came into real estate so that moving would bring joy, not anxiety.

I take on the documents, banks and deals, and explain every step to you in plain words.

Questions about mortgages

Do you help if my income is unofficial or I’m a sole proprietor?

Yes, it’s a common situation. For sole proprietors, the self-employed and those with partly unofficial income, there are banks and programs with different income-proof requirements.

Tell me how your income works — I’ll tell you which banks will really consider your application and what you’ll need.

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Why apply through you rather than on my own?

I know the banks’ requirements and apply to several at once, so you compare real approvals, not advertised rates.

I also get the apartment itself cleared with the bank: valuation, insurance and the property check. This is the stage where approval most often falls through.

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Can I buy with a mortgage an apartment that is pledged to another bank?

Yes. The seller’s debt is repaid as part of the deal, and the pledge is released before registration or together with it.

Such deals need an exact sequence of steps. I’ll explain in advance how payments and registration will go.

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How much does your help with a mortgage cost?

The cost depends on the task: approval only, or a mortgage together with a turnkey apartment purchase.

I name the price after our first conversation and put it in the contract. The first consultation is free and doesn’t commit you to anything.

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