About
About BHS
BHS Mortgages Residential & Commercial is a trusted mortgage brokerage headquartered in Philadelphia, PA. We specialize in a wide range of lending solutions—from FHA, VA, and USDA loans to balloon, fixed-rate, and adjustable-rate mortgages. Our mission is to simplify the mortgage process while securing the most competitive rates for our clients.
We proudly serve residential clients in PA, NJ, DE, MD, FL, VA, CA, and TX, and offer nationwide commercial lending. Whether you're buying your first home or expanding your business, BHS Mortgages is your partner in financial success.
Meet the Team
Irini Lulu
Founder & Lead Consultant
With 25 years of experience in the mortgage and business lending industry, Irini Lulu brings unmatched expertise and dedication to every client interaction. Her hands-on approach includes attending closings personally to ensure smooth transactions. Irini is fluent in Greek and Albanian, and has a strong understanding of Hebrew, allowing her to serve a diverse clientele with cultural sensitivity and precision.
For 15 years, Irini was in corporate banking before branching out to provide the best services and products to her clients. In addition to having the knowledge to provide the right service, Irini aims to build relationships with her clients on a personal and business level. Irini treats her clients as family, and donates 10% of every transaction at BHS back to non profits.
Jane McElroy
Senior Mortgage Specialist
Jane McElroy has been helping families and businesses navigate the mortgage landscape for 30 years. Her deep industry knowledge and commitment to client success make her a cornerstone of the BHS team. Jane demonstrates excellent communication skills and possesses strong strategic thinking abilities.