Ready to stop
renting and
actually own
your home?
I've helped dozens of Waltham families navigate the mortgage process with clarity and confidence — from first-time buyers to seasoned investors. No pressure. Just honest advice and a plan that actually fits your budget.
"Your home shouldn't be a mystery — it should be a plan."
— Ted Malkhasian
Pre-Approved
in as little as 24 hours
What I Offer
Mortgage solutions built
around your life
Whether you're buying your first home, refinancing to cut payments, or exploring investment options — I tailor every loan to your real financial picture, not a spreadsheet.
First-Time Buyer Loans
FHA, conventional, and USDA options — I'll walk you through every step so you know exactly what you qualify for before you start house hunting.
Learn moreRate Refinancing
Dropped your rate? Cash out equity? Switch from an ARM? I'll run the numbers honestly — and only recommend a refi when it actually makes sense.
Learn moreJumbo & Investment Loans
Higher-priced properties and multi-unit investments need a different approach. I work with portfolio lenders to get you terms that actually work.
Learn morePre-Approval Letters
In a competitive market, a solid pre-approval separates serious buyers from window shoppers. I turn around letters fast — usually within 24 hours.
Learn moreLoan Program Comparison
FHA vs. Conventional vs. VA — the differences matter. I break down every program in plain English so you pick the one that truly fits your situation.
Learn moreMilitary & VA Loans
You've served — now let someone serve you. I specialize in VA loans with zero down payment and no PMI, because that's what you've earned.
Learn more
10+
Years in mortgage lending
About Ted
A mortgage professional who actually listens
I started in mortgage lending because I watched too many people in my community get pushed into loans they didn't understand — by people whose only goal was a quick commission. That's not how I operate.
As a Guaranteed Rate loan originator based right here in Waltham, I bring local knowledge to every file. I know what Waltham homes look like in the market, what neighborhoods families actually prefer, and which lenders will treat your application with the attention it deserves.
I'm not a call-center guy. When you call me, I pick up. When you have a question at 7 PM on a Tuesday, I'll find time to answer it. Your mortgage is one of the biggest financial decisions you'll make — you deserve someone who cares about the outcome as much as you do.
How It Works
Four steps from
call to keys
The mortgage process doesn't have to be confusing. Here's exactly what happens when we work together.
Consultation
We chat — on the phone or in person at my Waltham office. I learn about your goals, budget, and timeline. No obligation, no pressure.
Pre-Approval
I pull your numbers, run credit, and get you a solid pre-approval letter — usually within 24 hours. This is what makes sellers take you seriously.
Underwriting
Your file goes to underwriting. I stay in close contact with you through every request, document, and question so nothing catches you off guard.
Closing Day
You sign, you get the keys, and you stop paying someone else's mortgage. I'll be there to walk you through every page.
Client Stories
What people in
Waltham are saying
"Ted made what I thought would be the most stressful experience of my life actually… manageable. He walked me through every document, answered every dumb question, and got me a rate I wasn't expecting. Bought my first condo in Waltham and I couldn't be happier."
First-Time Buyer
Waltham, MA
"We refinanced our home with Ted and dropped our rate by nearly a full point. What I appreciated most was that he didn't try to upsell me on things I didn't need. He ran the numbers, showed me the break-even, and let me decide. That kind of honesty is rare."
Refinance Client
Waltham, MA
"As a veteran, I thought VA loans would be complicated. Ted made it seamless — zero down, no PMI, and the whole process was smoother than I expected. He even helped me understand the funding fee and how to roll it in. Highly recommend to any service member."
VA Loan Client
Waltham, MA
Your next home is closer than you think.
Whether you're browsing Zillow out of curiosity or you've already found "the one," a conversation with me costs nothing and could save you thousands. Let's figure out what's actually possible for your budget.
Get in Touch
Let's talk about
your next move
Fill out the form and I'll get back to you within one business day — or call me directly. Either way, no spam, no pressure, just a real conversation about your options.
Office Address
465 Waverley Oaks Rd Ste 200
Waltham, MA 02452
Phone
(617) 286-8907NMLS #
49345
Office Hours
Mon – Fri: 9:00 AM – 6:00 PM
Sat: By appointment
Send a Message
I'll respond within one business day.
Message Sent!
Thanks for reaching out. I'll get back to you within one business day — usually sooner.
