Hello,
I'm Andrey Dimistrashuk
Loan Officer

NMLS#: 1583893
DRE#: 02070049

andrey@mylendingconcepts.com
(559) 709-1820
Contact MeApply Online
Andrey Dimistrashuk
Hello, welcome to my page.

I was born and raised in Ukraine. At the age of 18 I moved to the United States knowing only three words in English: ‘Hi’, ‘Bye’ and ‘Chicken’. I began attending Fresno Adult School and Clovis Adult School at the same time trying to learn English as soon as possible. The following year I enrolled into Fresno City College. In 2005 I graduated from FCC with an Associate Degree in Business Administration.

After graduating, I married my beautiful wife Angie. I put education aside for a while and went to work at Pelco. During my time at Pelco, I decided to finish my education and enrolled into the Fresno Pacific University. In 2011 I graduated from FPU with a Bachelor’s degree in Business Management. At Pelco, I worked for 10 years starting as a Payroll clerk then Sales Rep and finally as a Business Analyst. My position at Pelco was eliminated in 2016 and that’s when I decided to go into mortgage lending.

In 2017 I finished my mortgage education, passed the test and started working at a direct lender – PRMI. A year later I was approached by John Shore who was starting a local mortgage brokerage – Advisory Home Loans. I accepted his invitation to come to work for Advisory Home Loans and was there for the last 6 years. After Guarantee and RC merged I saw an opportunity to come to work at Lending Concepts and after having a meeting with JP decided to come on board. I love my job and am very blessed to do what I love and help people at the same time.

My wife and I are raising 4 children, ages 8mo -18 years old (2 boys and 2 girls). My hobbies are beekeeping and gardening. Raising bees has taught me the value of hard work and I enjoy sharing the honey harvest with friends, family and clients.

All-in-One Solution

Our Loan Process...

PRE-APPROVAL

A loan pre-approval sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

Calculator

Affordability Calculator

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Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

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Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

What is most important to you?

Current Loan

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Mortgage Amount

Enter the amount of the actual mortgage after down payment.

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Interest Rate

Enter the interest rate of the original Mortgage.

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Loan Term

Enter the number of years of your original Mortgage.

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Mortgage Start Date

Choose the month and year your original mortgage started.

New Loan

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Mortgage Amount

Enter your current mortgage balance.

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Cash Out Amount

Enter the amount of Cash Out you are taking on your new mortgage.

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Refinancce Costs

Enter the amount of fixed refinance costs (Points/Fees).

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New Loan Amount

The new loan amount after cash out and refinance costs.

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Interest Rate

Enter the current Market Rate.

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Loan Term

Enter the number of years of the Mortgage.

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Mortgage Start Date

Choose the month and year the new mortgage will start.

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Include Refinance Costs

Will Refinance costs be included in the new loan?

informationMortgage Information

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Home Price

Enter the amount of the home's value.

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Down Payment

Enter the amount or percentage of the down payment.

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Mortgage Amount

Enter the amount of the actual mortgage after down payment.

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Interest Rate

Enter the current Market Rate.

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Loan Term

Choose the number of years of the Mortgage.

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Mortgage Start Date

Choose the month and year the mortgage will start.

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PMI Rate

Private Mortgage Insurance (PMI) protects the lender from losing money if you default on the loan. Most mortgages with a down payment of less than 20% require PMI. his is an estimate based on the details above. PMI can vary significantly based on several factors.

Optional Information

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Home Insurance

Enter the annual amount of insurance.

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Annual Tax Amount

Enter the annual tax amount.

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HOA Dues

Enter the annual HOA dues.

informationBuying Assumptions

informationRenting Assumptions

What is most important to you?

Current Loan

information
Mortgage Amount

Enter the amount of the actual mortgage after down payment.

information
Interest Rate

Enter the interest rate of the original Mortgage.

information
Loan Term

Enter the number of years of your original Mortgage.

information
Mortgage Start Date

Choose the month and year your original mortgage started.

New Loan

information
Mortgage Amount

Enter your current mortgage balance.

information
Cash Out Amount

Enter the amount of Cash Out you are taking on your new mortgage.

information
Refinancce Costs

Enter the amount of fixed refinance costs (Points/Fees).

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New Loan Amount

The new loan amount after cash out and refinance costs.

information
Interest Rate

Enter the current Market Rate.

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Loan Term

Enter the number of years of the Mortgage.

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Mortgage Start Date

Choose the month and year the new mortgage will start.

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Include Refinance Costs

Will Refinance costs be included in the new loan?

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Property Value or Purchase Price

Enter the property Value or purchase Price.

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Unit 1 Monthly Rent

Enter the Unit 1 Monthly Rent.

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Annual Property Taxes

Enter the Annual Property Taxes.

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Annual Insurance

Enter the Annual Insurance.

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Monthly HOA Fee

Enter the Monthly HOA Fee.

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Annual Utilities

Enter the Annual Utilities.

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Closing Costs

Enter the Closing Costs.

Email Me This

Payment Breakdown

$0

per month

  • Principal & Interest
  • Taxes
  • Insurance
  • HOA Dues
  • PMI

Loan Details

  • Home Value:
  • Mortgage Amount:
  • Monthly Conventional Payment:
  • Down Payment:
  • Monthly Estimated PMI:
Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

 Allowable Debt to Income Ratio

50%/50%
Purchase Price $200000
Down Payment $0
Summary: Based on what you input into today your Total Payment would be $2850 on a Conventional Loan with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 50%/50%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Payment Breakdown

$0

per month

  • Principal & Interest
  • Taxes
  • Insurance
  • HOA Dues
  • MIP

Loan Details

  • Home Value:
  • Base Loan Amount:
  • Monthly FHA Payment:
  • Down Payment:
  • FHA Loan Amount:
  • Upfront MIP:
Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

 Allowable Debt to Income Ratio

50%/50%
Purchase Price $200000
Down Payment $0
Summary: Based on what you input into today your Total Payment would be $2850 on a FHA Loan with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 50%/50%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Payment Breakdown

$0

per month

  • Principal & Interest
  • Taxes
  • Insurance
  • HOA Dues

Loan Details

  • Home Value:
  • Base Loan Amount:
  • Monthly VA Payment:
  • Down Payment:
  • VA Loan Amount:
  • VA Funding Fee:
Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

 Allowable Debt to Income Ratio

65%/65%
Purchase Price $200000
Down Payment $0
Summary: Based on what you input into today your Total Payment would be $2850 on a VA Loan with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 65%/65%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Payment Breakdown

$0

per month

  • Principal & Interest
  • Taxes
  • Insurance
  • HOA Dues
  • USDA MIP

Loan Details

  • Home Value:
  • Base Loan Amount:
  • Monthly USDA Payment:
  • Down Payment:
  • USDA Loan Amount:
  • USDA Guarantee Fee:
Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

 Allowable Debt to Income Ratio

29%/41%
Purchase Price $200000
Down Payment $0
Summary: Based on what you input into today your Total Payment would be $2850 on a USDA Loan with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 29%/41%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Payment Breakdown

$0

per month

  • Principal & Interest
  • Taxes
  • Insurance
  • HOA Dues
  • PMI

Loan Details

  • Home Value:
  • Mortgage Amount:
  • Monthly Conventional Payment:
  • Down Payment:
  • Monthly Estimated PMI:
Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

 Allowable Debt to Income Ratio

50%/50%
Purchase Price $200000
Down Payment $0
Summary: Based on what you input into today your Total Payment would be $2850 on a Jumbo Loan with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 50%/50%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.
All Payment Total Loan Amount Total Interest Paid

Payment Breakdown

information
Payment Breakdown

A breakdown of your total payment so you can see where money is allocated.

$1,915

per month

  • Principal & Interest
  • Taxes
  • Insurance
  • HOA Dues
  • PMI
  • Extra Payment
  • Monthly Payment
  • Total Payment
  • Home Value:
  • Mortgage Amount:
  • Monthly Principal & Interest:
  • Monthly Extra Payment:
  • Monthly Property Tax:
  • Monthly Home Insurance:
  • Monthly PMI:
  • Monthly HOA Fees:
  • Total # Of Payments:
  • Down Payment:
  • Principal:
  • Total Extra Payment:
  • Total Interest Paid:
  • Total Tax, Insurance, PMI and Fees:
  • Total of all Payments:
Savings Payment Amount Shorten Loan Term By

Early Payoff Strategy

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Early Payoff Strategy

Add an extra payment and see how many months you can eliminate on the back end of the loan.

Lump Sum Payment

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Lump Sum Payment

Shorten your loan term by paying a lump sum all to principal.

Monthly Payment Decrease

$

 Total Interest Difference

$

Monthly Payment Comparison

information
Payment Breakdown

A breakdown of your total payment so you can see where money is allocated.

Current Loan

$

New Loan

$

Monthly Payment Difference

$
Refinance Costs

$

 Time to Recoup Fees

Total Interest Comparison

information
Payment Breakdown

A breakdown of your total payment so you can see where money is allocated.

Current Loan Remaining Interest

$

New Loan Interest

$

Total Interest Difference

$
Years 1 years

Results Summary

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Buying Renting
Cash Spent $ $
Home value -$ --
Balance on Loan $ --
Closing costs on sale $ --
Adjusted Net Cash Savings $ $

Rent

$

Buy

$556
YEAR

2

 BUY GAIN

$43,244
BUY

$43,244

 RENT

$43,244
Out of Pocket Cost:If you opt for homeownership of a property valued at $, your total expenses out of your pocket for 2 years would add up to $. However, if you choose to rent instead, your overall expenditure would come to $, thus saving you $ (which also covers the down payment you would have otherwise made).
Financial Gain:After 2 years, if you choose to purchase the property, the value of equity in your home would be $, which you can access upon selling it.
Summary:Based on the overall expenses incurred and the equity gained, it would be more advantageous for you to buy the property instead of renting, provided you intend to reside in the house for more than 2 years.
All Payment Total Loan Amount Total Interest Paid

Payment Breakdown

information
Payment Breakdown

A breakdown of your total payment so you can see where money is allocated.

$1,915

per month

  • Principal & Interest
  • Taxes
  • Insurance
  • HOA Dues
  • Extra Payment
  • Monthly Payment
  • Total Payment
  • Home Value:
  • Mortgage Amount:
  • Monthly Principal & Interest:
  • Monthly Extra Payment:
  • Monthly Property Tax:
  • Monthly Home Insurance:
  • Monthly HOA Fees:
  • Total # Of Payments:
  • Down Payment:
  • Principal:
  • Total Extra Payment:
  • Total Interest Paid:
  • Total Tax, Insurance and Fees:
  • Total of all Payments:
Savings Payment Amount Shorten Loan Term By

Early Payoff Strategy

information
Early Payoff Strategy

Add an extra payment and see how many months you can eliminate on the back end of the loan.

Lump Sum Payment

information
Lump Sum Payment

Shorten your loan term by paying a lump sum all to principal.

Monthly Payment Decrease

$

 Total Interest Difference

$

Monthly Payment Comparison

information
Monthly Payment Comparison

A breakdown of your total payment so you can see where money is allocated.

Current Loan

$

New Loan

$

Monthly Payment Difference

$
Refinance Costs

$

 Time to Recoup Fees

Total Interest Comparison

information
Total Interest Comparison

A breakdown of your total payment so you can see where money is allocated.

Current Loan Remaining Interest

$

New Loan Interest

$

Total Interest Difference

$
Cash Flow

$

 Cap Rate

%

Deal Breakdown

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Deal Breakdown

A breakdown of your rental loan deal.

  • Loan Amount:
  • Down Payment:
  • Mortgage Payment:
  • Monthly Payment:
  • Origination Fee Amount:

Deal Metrics

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Deal Metrics

A metrics of your rental loan deal.

  • Total Closing Costs:
  • Cash Needed to Close:
  • Price Per Unit:
  • Gross Rental Income:
  • Operating Expenses:
  • Net Operating Income:
Cash on Cash Return

%

 DSCR

Return Metrics

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Deal Metrics

A metrics of your rental loan return.

  • Cash Flow:
    Annual cash flow after all expenses and mortgage are paid.
  • Cap Rate:
    Cap rate, or capitalization rate, is a metric that divides your net operating income (not including your mortgage) by the purchase price or property value. It is most useful in comparing multifamily properties.
  • Cash on Cash Return:
    Cash on cash return is a metric that divides your pre-tax cash flow by the total cash invested in the deal. This is a key metric for most investors.
  • DSCR:
    DSCR calculates the ratio of rental income to your mortgage payment. Ideally, you'll have a DSCR of 1.0 or higher.
Borrower Equity Needed

$

 Net Profit

$

Deal Breakdown

information
Deal Breakdown

A breakdown of your rental loan deal.

  • Loan Amount:
  • Down Payment:
  • Monthly Interest Payment:
  • Total Interest Over Term:
  • Origination Fee Amount:
  • Other Closing Costs Amount:
  • Cost To Sell Amount:

Deal Metrics

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Deal Metrics

A metrics of your rental loan deal.

  • Closing Costs:
  • Carrying Costs:
  • Borrower Equity Needed:
  • Total Cash In Deal:
Return on Investment

%

 Loan to After Repaired Value

%

Return Metrics

information
Deal Metrics

A metrics of your rental loan return.

  • Net Profit:
  • Loan to After Repaired Value:
  • ROI:
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