Home / Our team / Madeline Karoly
Loan Officer · Southampton, PAMadeline Karoly NMLS #1840933
NMLS #1840933 · Licensed in Pennsylvania and New Jersey · Verify on NMLS Consumer Access
Stellar Mortgage Corporation · NMLS #2190975 · NMLS Consumer Access
- Direct (215) 970-7773
- Email Madeline.Karoly@stellarmortgagecorp.com
How Madeline works
Madeline's work centers on the part of a loan that usually causes delays: documentation. She front-loads income, asset, and credit verification so that conditions are cleared as they arise rather than piling up in the final week before closing.
Whether you are buying, refinancing, or building, she is committed to quick, accurate answers and to making sure the loan you choose is the right one for your family. She originates conventional, FHA, and VA loans and is licensed in Pennsylvania and New Jersey.
What to expect
- A short form, then a call. Tell Madeline what you are trying to do. No Social Security number and no pay stubs at this stage. Madeline calls back, usually the same business day.
- A real number. Madeline runs your income, credit, and assets against the programs you actually qualify for, and tells you what your file supports and what it does not.
- A letter agents take seriously. When you are ready to make an offer, the pre-approval letter is built on verified numbers, not a guess.
- One person, start to finish. Madeline stays on your file through underwriting, conditions, and closing. Same direct line the whole way.
Programs Madeline works with
- ConventionalA conventional loan is a home loan that is not insured or guaranteed by FHA, VA, or USDA. If you have usable…
- FHAFHA is often the purchase path when savings are thin or credit is still rebuilding. The Federal Housing…
- VAIf you have VA home-loan eligibility, a VA-backed mortgage is often the lowest-cash way to buy a primary…
Full list: all loan programs. PHFA first-time buyer programs are also available through Madeline.
Get pre-approved with Madeline
Three quick steps, about a minute. No Social Security number, no pay stubs. Madeline calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
Ready to go further? Start the full application and choose Madeline Karoly as your loan officer. About 12 minutes.
Ready to see what you qualify for?