About SteveN Odebralski
The Person Behind the Loan
I'm not a big bank. I'm a dedicated mortgage advisor who picks up the phone, works through the hard deals, and doesn't stop until you're at the closing table.
NMLS# 2131284
Licensed FL · NY · TN
My Story
I'm Steven "ODB" Odebralski, a retired Marine, Investor and VA/DSCR loan specialist. As a 100% VA disabled Veteran, I've been in your boots and I'm here to help you use your VA benefit the right way.
I specialize in VA loans and investment/Non-QM financing because these are the borrowers who often get overlooked by traditional lenders. Veterans deserve to use every benefit they've earned. Investors deserve loan programs that actually fit how they operate. That's where I come in.
I lend in FL, NY and TN, with access to resources most lenders don't even know about. And while I specialize in VA/Investment loans, we also offer FHA, Conventional, USDA, and more. This isn't just a business, it's a mission: Veterans helping Veterans. Let's get you home.
Credentials & Licensing
NMLS#
2131284
Licensed In
Florida · New York · Tennessee
Specialties
VA Loans · DSCR · Non-QM
Experience
5+ Years
Company
Queen City Funding
How I Work
I Pick Up the Phone
You'll have my direct line. No voicemail maze, no ticket system, just a real conversation when you need one.
I Optimize VA Loans
VA loans have nuances that trip up generalist lenders. I've closed hundreds of them and know how to navigate every wrinkle.
I Understand Investors
DSCR, Non-QM, fix-and-flip. I speak investor/ROI. Qualify on cash flow, not just W-2 income.
I Don't Quit on Hard Deals
When something comes up and it sometimes does, I stay calm, communicate clearly, and keep pushing forward.
Ready to Work Together?
Let's have a real conversation about your goals. No pressure, no jargon, just honest answers from someone who knows how to get deals done.