Independent Mortgage Loan Officer · NMLS# 2381977

Your trusted guide
to homeownership
in Akron & NE Ohio

Whether you're buying your first home, refinancing, or investing — Hedy Jarwono delivers personalized mortgage solutions with the care and expertise that big banks can't match.

Get Pre-Approved Today Browse All 32 Loan Types
500+ Families Served
15+ Years Experience
32 Loan Programs
Hedy Jarwono, Licensed Mortgage Loan Officer
Rates from 6.5% 30-yr fixed · Today's estimate
✓ Pre-Approval in 24 hrs
Loan Programs

32 Loan Types to Match Your Situation

From first-time buyers to seasoned investors, Hedy has a loan program for every goal and financial profile.

🏠
Conventional
Standard home loan for qualified buyers with solid credit
🏛️
FHA
Low down payment — as low as 3.5%
⭐
VA
Zero down for veterans & active military
🌾
USDA
Rural & suburban — 100% financing available
💎
Jumbo
Loans above conforming limits for luxury homes
🔧
Renovation
Finance purchase + rehab in a single loan
👴
Reverse Mortgage
Tap home equity for seniors 62+
📉
Rate/Term Refi
Lower your rate or shorten your term
💰
Cash-Out Refi
Unlock equity for renovations, debt, or goals
🏗️
Construction
Build your dream home from the ground up
🔁
Construction-to-Perm
Single closing — build then roll into mortgage
📊
ARM Loans
Adjustable rates — great for short-term plans
🏢
Investment Property
Rental & multi-unit investment financing
🔑
Second Home
Vacation or seasonal property loans
📋
Bank Statement
Self-employed? Use deposits to qualify
📂
DSCR / Investor
Qualify on rental income — no personal income docs
🪙
Asset Depletion
Use retirement/investment assets to qualify
🌐
Foreign National
Non-US citizens buying American property
🆔
ITIN Loans
No SSN required — ITIN accepted
🏘️
Multi-Family
2–4 unit properties — live in one, rent the rest
🎓
First-Time Buyer
Down payment assistance & special programs
⚡
Energy Efficient
Finance green upgrades into your mortgage
🏡
Manufactured Home
FHA & conventional for manufactured housing
🔒
Fixed 15-Year
Build equity fast with shorter term
🗓️
Fixed 30-Year
Most popular — stable payments for 30 years
🏦
Bridge Loans
Buy before you sell — short-term bridge financing
🛡️
FHA 203(k)
Buy a fixer-upper with rehab funds built in
🏅
VA IRRRL
Veterans — streamline refinance with ease
💳
Credit Rebuild
FHA programs for recovering credit situations
📈
Physician Loans
No PMI, low down for doctors & dentists
🌳
Rural Development
USDA-backed for rural area homebuyers
❓
Not Sure?
Let Hedy match you to the right program
Get Matched
Hedy Jarwono, Licensed Mortgage Loan Officer
🏅 Licensed in Ohio
📜 NMLS# 2381977
🤝 Independent — Not Bank-Tied
📍 151-1 Portage Trail
Cuyahoga Falls, OH 44221
About Hedy

A local expert who actually picks up the phone

Hedy Jarwono has spent over 15 years helping families in Akron and Northeast Ohio navigate one of the most important financial decisions of their lives. As an independent loan officer, she's not tied to a single bank's products — she shops across multiple lenders to find the best rate and terms for every client.

Her approach is simple: educate first, then execute. Hedy takes the time to walk clients through their options, explain every fee, and make sure there are zero surprises at the closing table. She's known for returning calls same-day and being available on weekends when deadlines are tight.

Whether you're a first-time buyer feeling overwhelmed, a veteran ready to use your VA benefit, or a seasoned investor building a portfolio — Hedy has the experience and the connections to get your deal done.

500+ Loans Closed
$180M+ Total Volume
4.9★ Avg. Client Rating
Work With Hedy
Client Stories

What Clients Say About Hedy

Real reviews from real people who closed with Hedy's help.

★★★★★
"Hedy walked us through everything as first-time buyers. She was patient, explained every document, and got us a rate better than the bank we'd banked with for 10 years. We closed in 28 days."
MR
Marcus & Rachel T.
First-time buyers · Akron, OH
★★★★★
"As a veteran, I had questions about my VA benefit that three other lenders couldn't answer. Hedy knew VA loans inside and out. Zero down, no PMI, and she had us in our home before the kids started school. Can't recommend her enough."
DS
Derek S.
VA Loan · Hudson, OH
★★★★★
"I'm self-employed and every bank turned me down. Hedy found a bank statement loan that worked perfectly for my situation. Closed my investment property in under 35 days."
PK
Priya K.
Bank Statement Loan · Cuyahoga Falls, OH
★★★★★
"We were going through a divorce and had no idea we could even get a mortgage. Hedy was compassionate, realistic, and helped me rebuild my financial life. I own my home now and it's entirely thanks to her."
JM
Jennifer M.
FHA Loan · Stow, OH
★★★★★
"Hedy refinanced us when rates dropped and saved us $420/month. The whole process took 3 weeks. She called us every few days so we always knew exactly where we stood."
TL
The Lombardo Family
Refinance · Tallmadge, OH
★★★★★
"We're on our third property with Hedy. She remembers everything about our goals, never makes us re-explain, and always finds us the best deal. She's our lender for life."
AB
Andre & Bianca W.
Investment Properties · Akron, OH

Ready to write your own success story?

Start Your Application
Pre-Approval Application

Get Started in 6 Easy Steps

Takes about 5 minutes. No credit pull until you're ready. Hedy reviews every application personally.

Step 1 of 6

What are you looking to do?

Tell us about your goal so we can find the right program.

About the property

Help us understand what you're financing.

Employment & Income

This helps us identify which loan programs you may qualify for.

Credit & Financial Situation

Be honest — there are programs for every situation. We won't pull your credit yet.

Timeline & Special Programs

Helps Hedy prioritize and match you to any bonus programs you qualify for.

How should Hedy reach you?

Your information is kept strictly private and never shared or sold.