Zvi Felsen
Fully customized mortgage and financial support
Above
Mortgage portfolios approved by banks
5+ years of experience
Experience in all types of mortgages
Nice to meet you, my name is Zvi Pilzen.
CFP financial planner and mortgage advisor.
Speaks Hebrew, English and French. Specializes in tailoring mortgage solutions that are personalized to your needs and goals,
With full transparency, close support
And make sure you have the best conditions for you.
Has extensive experience with foreign residents
Direct contact with bank branches with departments for foreign residents.
Expert in assisting and helping with the client's typology with the developer and others.
With my personal accompaniment
You can be sure.
There is someone who understands you, supports you, and guides you.
For smart financial decisions that will save you time, money and worries.
My services
Mortgage assistance
New
Close support from the initial stage of defining financial capabilities to obtaining the mortgage on the best terms with the banks, physical support during the signing at the bank and also assistance with the collateral process afterwards.
Mortgage Refinancing Assistance
Improving the terms of your existing mortgage and adapting it to your current financial situation. Maximizing potential savings in interest and monthly payments, and professional support with the banks throughout the process.
Assistance with consolidating loans on top of the mortgage
The process includes building a customized plan, which aims to reduce monthly repayments and significantly improve your cash flow.
Full financial advice and planning
An in-depth analysis of all your income, expenses, investments, and savings, along with building a personal financial plan for the short and long term that is tailored to your goals and dreams.
Assistance in purchasing an apartment for foreign residents
Assistance in planning and managing the mortgage process for foreign residents,
Including adaptation to foreign exchange-linked tracks, while maintaining conditions equal to those offered to Israeli residents.
Professional guidance to obtain financing of up to 50% of the property price and complete the remaining financing in a personalized manner.
Mortgage for new immigrants
Full support from the inquiry stage to the signing, including taking advantage of benefits for immigrants. Adaptation of designated tracks (grants, preferential interest rates) to the personal financial situation. Close assistance even after receiving the mortgage, to ensure full realization of all benefits.
My vision?
It is simple: every person, no matter where they come from or what their financial background is,
Will be able to make financial decisions with peace of mind, full understanding and a sense of security.
I believe that a mortgage is a door to a home, to a family, to the future. My job is to be the person who is there by your side, providing you with all the support, knowledge, and experience you need, right in these moments.
Thank you letters from my clients
The values that accompany me
Full transparency:
Every process is managed in front of you at eye level, with full details of the routes, options, and implications, so that you know exactly what lies ahead of you at each stage. With me, you will only receive clear facts, scenarios, and routes.
Real personal attention:
Every client is treated as if they are my only client. Even when you sign, even when there is pressure, even after everything is over. I am there.
Financial Excellence:
I'm not looking for "mortgage approval," but rather the optimal solution that suits you exactly. Every regulatory update, new route, or change in the market goes through me so that you are always one step ahead.
How does the process work for me?
simple:
#1
Introduction and needs assessment
An in-depth conversation to examine your financial picture, understand your personal goals, and check your eligibility.
This stage allows me to tailor an accurate solution for you from the very first step.
#2
Financial analysis and tailored mix planning
Building a personal mortgage mix based on capabilities, interest rate paths, future outlook and risk preferences.
This way, a data-based decision is made that creates long-term stability and economic security.
#3
Interest rate auction between banks
Performing a professional comparison of offers with several banks, while conducting precise negotiations to achieve the best conditions.
The process is managed personally with the relevant branches, with a clear advantage in experience and connections with the banking system.
#4
Full support until signing
Including dealing with the bank, an attorney, registering collateral, and real-time professional support until signing.
The goal here is to simplify the process for you and ensure that every detail is carried out correctly and on time.
#5
Has the mortgage been approved yet? I'll stay with you for the rest of my life.
Answering questions, examining future cycle options, and adapting to changes over the years.
The support continues even after – to make sure you always know that you have professional and reliable support by your side.
Fill in your details - and we will get back to you within 24 hours:
Shall we talk?
And if you've had one
From the following thoughts:
You are in the right place.
And I have something to tell you.
How long does it take to get a mortgage?
Typically, the entire process takes between 3 weeks and a month and a half, depending on the availability of documents, the bank, and the complexity of the case.
With proper guidance, obtaining approval and signatures can be significantly expedited.
What is a mortgage mix?
The mix is the combination of the types of mortgage tracks and interest rates: such as prime, fixed (unlinked), variable, and more.
The right mix maintains a balance between interest rates, risk, and liquidity, and is customized to your situation.
What is the difference between a fixed and variable interest rate?
Fixed interest rate: The interest rate does not change throughout the period, which provides stability.
Variable interest rate: The interest rate is updated every few years according to market conditions, and has the potential for savings (but also a certain risk).
The combination of them allows for flexibility and stability together.
Do you need insurance when you get a mortgage?
Yes. The bank requires both life insurance and building insurance.
The goal is to protect the property and the bank, and in the event of serious damage, the coverage continues to pay the balance of the loan.
What is approval in principle?
An approval in principle is a document from the bank that approves you for a certain mortgage amount under initial conditions.
This is not a final commitment, but it is important to know what your budget is before signing a contract.
Do I have to take out the mortgage from the bank where I have an account?
Absolutely not. It is possible (and even advisable) to check several banks, because the conditions vary from branch to branch.
Each bank will offer a different offer, so it is important to make a professional comparison.