Nick Sisto

Producing Branch Manager

NMLS #543268 · Branch #6755

Nick Sisto leads The Sisto Group, a team at Fairway Independent Mortgage Corporation. He works with buyers and homeowners across Arizona, Florida, Illinois, Indiana, Michigan, and Wisconsin. Biography details, including time in the business, are added only from sources Nick confirms.

Profile source: Fairway LO page.

State licenses: Arizona Loan Originator: LO-1044326
Florida Mortgage Loan Originator: LO115839
Illinois Mortgage Loan Originator: 031.0079896
Indiana DFI Mortgage Loan Originator: 62578
Michigan Mortgage Loan Originator: 543268
Wisconsin Mortgage Loan Originator: 543268
Office: 1520 Kensington Road, Suite 112
Oak Brook, IL 60523
Phone: (630) 757-8246
Email: [email protected]

Verify NMLS #543268 on Consumer Access

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This is not a loan application or a commitment to lend. Licensed with Fairway Independent Mortgage Corporation.

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Common questions

Straight answers first. Details below each question.

How do I know which loan program to start with?

Start from your situation—first purchase, refinance, VA eligibility, or self-employed income—then compare a short list of programs that fit, not a rate sheet.

I map what you are trying to do to a few educational options and explain why each is on the list. Search on this site reorders that short list; it never replaces the full program pages.

Do I need a large down payment to buy a home?

Not always—several purchase paths allow relatively low down payments, and assistance programs may help with cash to close when you meet their rules.

Conventional, FHA, VA, and down-payment assistance each treat cash to close differently. We look at your reserves, gift funds, and timeline before recommending where to start.

Can I refinance if I am not trying to take cash out?

Yes—a rate-and-term refinance is designed to change the structure of your loan without converting large amounts of equity into cash.

Common goals include adjusting the term, changing loan type, or removing mortgage insurance when guidelines allow. Whether it is worth comparing depends on costs and how long you will keep the home.

I am self-employed. Can I still get a mortgage?

Yes—full-documentation loans work when tax returns support the payment, and bank-statement options exist when write-offs understate cash flow.

We review how your business is organized, how long it has operated, and which documentation path fits before picking a program. Self-employed does not mean you are stuck with one product.

Which states is Nick licensed in?

Nick is licensed in Arizona, Florida, Illinois, Indiana, Michigan, and Wisconsin through Fairway Independent Mortgage Corporation.

Licensing and product availability still follow state rules. If you are cross-border or relocating, we confirm the right licenses and programs for the property state early.