Call Harry: 508-451-5840
Mortgage 101
As your Senior Mortgage Officer, I can offer homeowners and homebuyers a multitude of options to help you achieve what you need. My value proposition is simple: I take the time to understand your specific needs and provide personal service you can rely on.
Pre-Approvals in 1 hour
Harry is always available to issue a pre-approval for your offer.
We will go over qualifications, corresponding mortgage programs, obtain full credit report and issue official mortgage pre-approval to you or your real estate representative.
It’s very important to start this early so we can work on any detrimental issues, get them resolved, and be ready and ahead of any other competitive buyers.
Refinance
Refinancing is one way you can use your home to leverage that investment. There are several reasons to refinance, including getting cash from your home, lowering your payment and shortening your loan term. Typically I would recommend a No Points, No Closing Costs Refinance, which saves you money today and allows you to refinance again if needed.
FICO Score & Credit Analysis
A Credit Profile refers to a consumer credit file, which is made up of various consumer credit reporting agencies. It is a picture of how you paid back the companies you have borrowed money from, or how you have met other financial obligations.
A mortgage credit score or FICO score is determined by a number of factors and it results in a tri-merged (3 credit agencies) credit score, which can affect your mortgage rates one way or another.
First Time Buyer Programs
First-time home buyer programs provide home buyers with affordable ways to finance their home purchase. Some programs allow eligible buyers to buy a house with little to no money down, gift funds, limited closing costs and more flexible credit score and qualifying requirements. Other programs offer state and federal tax credits to qualified buyers.
What My Clients Say
Joanne DiPietro, DiPietro Law PC
"Harry takes the time with his clients to be sure they understand the product. He assists them with complete integrity and experience. Harry has also spearheaded the resurgence of the Walpole Chamber of Commerce which is an asset to business owners in the Walpole community."