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We Don't Sell You Mortgages, We Educate you ABOUT What Mortgage Is Right For You

You may not know this, but the word mortgage derives from French word 'mort' which means dead, and the Old English word 'gage' which means pledge.   Basically, the word was created based on the assumption that it was very UNLIKELY that the person taking the mortgage was going to pay, making it a "dead pledge".  The result--pretty much the same as what happens today if you don't pay a mortgage--you lose the property.

Why do we believe in educating rather than selling?  Simple--our future success depends on your housing financing success.  How likely are you to come back to us for a mortgage, or refer a friend, if we steer you into some exotic adjustable rate mortgage and you end up having financial trouble-or worse-lose your house?  Not very likely. 

 

    Dennis "Frank" Ceizyk Jr.

NMLS#180290

Frank Ceizyk provides 18 years of mortgage experience and a focus on the "borrower benefit" of every mortgage loan made. As a processor,loan officer and owner of Heartland Mortgage he has helped educate thousands of Arizona homeowners about the benefits and risks of their mortgage financing, and helped steer many of his clients away from "unsafe" loan products. Frank is a passionate advocate for the need for financial literacy, is part of the Pima County Foreclosure Prevention Task force, and is a published writer and frequent contributor to the Mortgage News Daily. Frank’s mission is to "earn your trust, one honest loan at a time."

  David Ceizyk, Broker

NMLS#180286

David is a 3rd generation Tucsonan. He is a University of Arizona graduate with backgrounds in marketing, business and finance. His processing excellence, product knowledge, professionalism and 20 years of client service with Heartland set the standard for Mortgage Brokers in Tucson and Arizona. He is a leader in implementing 21st century communication and information processing technology to serve the local and national mortgage marketplace.  

 

  Dennis Frank Ceizyk Sr.

NMLS#183372

Dennis Ceizyk, Sr. brings over 25 years of real estate and mortgage lending experience to Heartland Mortgage, Inc., one of Tucson's leading Mortgage Brokers . In addition to specializing in conforming and jumbo lending, Dennis has years of experience in financing investment and problems properties throughout Arizona. The Company shares his commitment to provide borrowers with mortgage lending choices for every purchase or refinance situation. Client Service is helping families with a most important part of their financial lives... and helping the Realtors who make their home ownership dreams come true. It's also taking the time to complete the difficult transactions and solve sometimes complicated personal situations that occur in people's lives. Client Service... it's how success is measured!

   Diane Ceizyk

NMLS#170668

Service has been a way of life for Diane. Her years of commitment to the Community have included participating in civic endeavors through membership in the Junior League of Tucson, Pueblo Junior Women's Club, Angel Charity for Children, CODAC, Ronald McDonald House, and the Tucson Urban League. She continues to serve the Tucson Community. Her strong advocacy skills have benefited many home buyers and borrowers as a Senior Loan Officer of Heartland Mortgage, Inc. One of Tucson's largest Mortgage Brokers. Her quiet persistence, professional counseling and caring approach in completing thousands of loan transactions exemplify her spirit of Service. The Heartland family... Diane Ceizyk - a tradition of service

  

Mortgage Brokers DID NOT Cause The Housing Meltdown

You've read the news, heard the testimony on Capitol Hill, and seen the CNBC "greed" series on how the mortgage brokers pretty much single handedly destroyed housing.  It's just not true.  Like any other industry, there are those that have their customers' best interests in mind, and those that quite simply, don't.  If you watched "It's A Wonderful Life" this past holiday season you can see proof that the battle between the cynical dollar focused Mr. Potter and the idealistic small town focused George Bayley has raged much longer than the 2000 housing meltdown.

If, as mortgage brokers, we truly do our job on your behalf, you will benefit with more choices for financing, a faster path to funding, and a financial plan that ensures the roots, stability and community you seek from home ownership are protected in the form of an affordable mortgage.


The Moving Mortgage Guideline Target

We are constantly researching new options, programs, and analyzing mortgage products to evaluate their benefit to your financial needs, or if need be, warn you of the dangers of predatory housing and lending schemes that continue to plague housing in Arizona and across the country.  We truly want to earn your trust, one honest loan at a time.