Ardi KotoniSenior Mortgage Planner / Underwriter
Let's talkApply securely (opens the secure application in a new tab)
Apply securely in a new tab

Start with a clear conversation.

Share the goal, property, timing, and broad outline of your scenario. Sensitive financial details and documents belong in the separate secure application portal.

Ardi Kotoni seated at his desk in a navy blazer

Start With A Conversation

Let’s look at your options.

Discuss your scenario directly with Ardi. Get clear underwriting analysis before making any commitments.

Submitting sends your request directly to Ardi. No sensitive SSN data is stored on site.

Direct:(781) 502-1161·akotoni@msamortgage.com

Ready to apply now? Complete your application directly through MSA Mortgage’s secure borrower portal.

Apply securely

Client stories

WHAT MY CLIENTSSAY.

5.0(222) Google Reviews

Scroll to explore

On larger screens, scroll vertically to move through the rail. On touch and compact screens, swipe or use a horizontal trackpad gesture. Select any card to play client reviews with active audio, mute/unmute, or expand to full screen.

  1. Woman seated beneath an abstract painting in a video thumbnail
  2. Woman in a striped blouse speaking to the camera
  3. Smiling woman recording a video with books and framed photos behind her
  4. Man in a navy shirt speaking to the camera with books behind him
  5. Woman recording a video outdoors beneath a blue sky
Video review 1 of 5

Common questions

Useful answers before the first conversation.

Mortgage guidelines change and every file is different. These answers are general education, not personal financial advice or a commitment to lend.

Read every question
01

What types of mortgage loans do you work with?

Options may include conventional, FHA, VA, USDA, jumbo, investment property, DSCR, bank-statement, Non-QM, asset-based, renovation, construction, specialty, and refinance programs. Availability and eligibility vary by borrower, property, investor guidelines, and state.

02

Can a self-employed borrower qualify for a mortgage?

Yes, self-employed borrowers may qualify through traditional income documentation or, when eligible, alternative documentation such as bank statements, a profit-and-loss statement, 1099 income, or qualifying assets. The right documentation depends on the loan program and the complete file.

03

What is a DSCR loan?

A debt service coverage ratio loan is an investment-property program that may evaluate the property's qualifying rental income against its housing obligation. Requirements, calculation methods, reserves, credit, and property standards vary by program.

04

Can I finance a two-, three-, or four-family property?

Financing may be available for owner-occupied and investment 2–4-unit properties through conventional, FHA, VA, and DSCR programs where applicable. Occupancy, projected or existing rents, reserves, and property condition can affect the available path.

05

What options may be available to a first-time buyer?

Depending on borrower, property, and eligibility requirements, options may include eligible low-down-payment conventional programs, HomeReady, Home Possible, FHA, VA, USDA, and approved affordable-housing programs. No single option is right for every buyer.

06

Do you offer jumbo mortgage options?

Jumbo fixed-rate and adjustable-rate purchase, refinance, and cash-out options may be available. Qualifying standards can differ from conforming loans, particularly for assets, reserves, property type, and income documentation.