Getting approved for a mortgage can feel like someone is looking through your entire financial life.
And honestly, they kind of are.
But that does not have to feel scary when you know what they are looking for.
Your credit score matters, but so do your income, debts, cash to close, savings, deposits, and even the property itself.
The buyers who feel the calmest in the process are usually not the ones with perfect finances.
They are the ones who had the right conversation early, before the lender started asking for explanations.
Save this if you are planning to buy and want fewer surprises in the approval process.
— Michael DeSantis, proudly serving Boston / Waltham / Cambridge as your friendly, local mortgage pro —
Helping clients navigate the mortgage process with clarity, confidence, and strategy.
Follow → @americanmortgageresource for your daily mortgage tips!
Call Team AMR or Apply now visitamr.com
NMLS LIC #22431
#americanmortgageresource #middlesexcountymassachusetts #walthamma
#MortgageEducation #HomeFinance #MortgageMadeEasy #YourMortgagePartner #HomeFinancingTips #MortgageStrategies #LoanOfficerLife
#DownPaymentHelp #YourMortgageExpert #DownPaymentStrategies #MortgageBrokerLife #HomeBuyingTips #MillennialHomebuyers #RealEstateHacks
#MortgageAdvice #mortgagehustle #MortgageAdvisor #mortgagespecialist #FirstTimeBuyerHelp #MortgageSuccess #BostonMortgageBroker #MortgageInBoston #HomeLoansBoston #BostonMortgage #BostonLoanOfficer #BostonMortgageBroker #BostonHomeLoans
1
19
Jun 12
If the market has made buying feel impossible, I do not want you guessing from headlines.
Sometimes the answer is not “wait forever.”
Sometimes the answer is looking at the loan structure differently.
A temporary buydown may help with the early payment.
A low down payment loan may help preserve cash.
An alternative income option may help certain self-employed buyers show income in a way that fits their real business.
None of these are one-size-fits-all.
But they are exactly why the mortgage conversation matters before you count yourself out.
Message me “OPTIONS” if you want to see what might fit your situation.
— Michael DeSantis, proudly serving Boston / Waltham / Cambridge as your friendly, local mortgage pro —
Helping clients navigate the mortgage process with clarity, confidence, and strategy.
Follow → @americanmortgageresource for your daily mortgage tips!
Call Team AMR or Apply now visitamr.com
NMLS LIC #22431
#americanmortgageresource #middlesexcountymassachusetts #walthamma
#MortgageEducation #HomeFinance #MortgageMadeEasy #YourMortgagePartner #HomeFinancingTips #MortgageStrategies #LoanOfficerLife
#DownPaymentHelp #YourMortgageExpert #DownPaymentStrategies #MortgageBrokerLife #HomeBuyingTips #MillennialHomebuyers #RealEstateHacks
#MortgageAdvice #mortgagehustle #MortgageAdvisor #mortgagespecialist #FirstTimeBuyerHelp #MortgageSuccess #BostonMortgageBroker #MortgageInBoston #HomeLoansBoston #BostonMortgage #BostonLoanOfficer #BostonMortgageBroker #BostonHomeLoans
1
41
Jun 9
If you want to buy your first home in the next 60-90 days, the first step is not scrolling listings every night.
It is getting clear on your numbers.
What payment feels comfortable?
How much cash will you actually need?
What does your credit, debt, and income look like to a lender?
Are there any issues you can fix before you find a home you love?
That clarity changes everything.
You stop guessing and start making decisions with a real plan.
Message me “90 DAYS” if you want to talk through your first step.
— Michael DeSantis, proudly serving Boston / Waltham / Cambridge as your friendly, local mortgage pro —
Helping clients navigate the mortgage process with clarity, confidence, and strategy.
Follow → @americanmortgageresource for your daily mortgage tips!
Call Team AMR or Apply now visitamr.com
NMLS LIC #22431
#americanmortgageresource #middlesexcountymassachusetts #walthamma
#MortgageEducation #HomeFinance #MortgageMadeEasy #YourMortgagePartner #HomeFinancingTips #MortgageStrategies #LoanOfficerLife
#DownPaymentHelp #YourMortgageExpert #DownPaymentStrategies #MortgageBrokerLife #HomeBuyingTips #MillennialHomebuyers #RealEstateHacks
#MortgageAdvice #mortgagehustle #MortgageAdvisor #mortgagespecialist #FirstTimeBuyerHelp #MortgageSuccess #BostonMortgageBroker #MortgageInBoston #HomeLoansBoston #BostonMortgage #BostonLoanOfficer #BostonMortgageBroker #BostonHomeLoans
1
27
Apr 24
Most buyers think the mortgage process is done once they’re under contract.
In reality, this is when lenders start watching everything closely.
Here are 3 things that can derail a mortgage approval fast:
1️⃣ Financing anything new
Cars, furniture, appliances. Even “0% financing” still adds a monthly payment that changes your debt-to-income ratio.
2️⃣ Large unexplained deposits
Lenders need a paper trail for every dollar used in the transaction.
3️⃣ Changing jobs or income structure
A new job, commission change, or employment gap can delay or stop the loan.
The safest rule during the process:
If you’re thinking about making a financial move, ask your lender first.
It can save your entire deal.
— Michael DeSantis, proudly serving Boston / Waltham / Cambridge as your friendly, local mortgage pro —
Helping clients navigate the mortgage process with clarity, confidence, and strategy.
Follow → @americanmortgageresource for your daily mortgage tips!
Call Team AMR or Apply now visitamr.com
NMLS LIC #22431
#americanmortgageresource #middlesexcountymassachusetts #walthamma
#MortgageEducation #HomeFinance #MortgageMadeEasy #YourMortgagePartner #HomeFinancingTips #MortgageStrategies #LoanOfficerLife
#DownPaymentHelp #YourMortgageExpert #DownPaymentStrategies #MortgageBrokerLife #HomeBuyingTips #MillennialHomebuyers #RealEstateHacks
#MortgageAdvice #mortgagehustle #MortgageAdvisor #mortgagespecialist #FirstTimeBuyerHelp #MortgageSuccess #BostonMortgageBroker #MortgageInBoston #HomeLoansBoston #BostonMortgage #BostonLoanOfficer #BostonMortgageBroker #BostonHomeLoans
2
42
Apr 8
Most buyers are taught to focus on getting approved, finding a home, and getting to closing.
But very few are taught how to think about the mortgage long term.
Here is one strategy worth knowing:
Making 13 payments a year instead of 12 can help reduce the total interest you pay over the life of the loan.
Here are 3 ways people sometimes do it:
Make bi-weekly payments if your loan servicer allows it
Set aside 1/12 of your payment each month and use it for one extra payment a year
Make one lump-sum extra principal payment annually
Small moves like this can create real savings over time. That is why understanding the mortgage strategy matters just as much as understanding the rate.
— Michael DeSantis, proudly serving Boston / Waltham / Cambridge as your friendly, local mortgage pro —
Helping clients navigate the mortgage process with clarity, confidence, and strategy.
Follow → @americanmortgageresource for your daily mortgage tips!
Call Team AMR or Apply now visitamr.com
NMLS LIC #22431
#americanmortgageresource #middlesexcountymassachusetts #walthamma
#MortgageEducation #HomeFinance #MortgageMadeEasy #YourMortgagePartner #HomeFinancingTips #MortgageStrategies #LoanOfficerLife
#DownPaymentHelp #YourMortgageExpert #DownPaymentStrategies #MortgageBrokerLife #HomeBuyingTips #MillennialHomebuyers #RealEstateHacks
#MortgageAdvice #mortgagehustle #MortgageAdvisor #mortgagespecialist #FirstTimeBuyerHelp #MortgageSuccess #BostonMortgageBroker #MortgageInBoston #HomeLoansBoston #BostonMortgage #BostonLoanOfficer #BostonMortgageBroker #BostonHomeLoans
1
4
46
27 Feb 2025
With me, you don't have to go on a research frenzy to get a great deal. Home loans are what I do best! I simplify the process so you can focus on finding the perfect home for you. Reach out!
.
.
.
#MortgageThursday #HouseHuntingTips #HomeBuying2025 #FirstTimeBuyerHelp #loans
21
79
22 Mar 2018
Recent government statistics have revealed that the Help to Buy ISA scheme is helping first-time buyers to get on the property ladder three years earlier than they otherwise would. #FirstTimeBuyerHelp
Read our blog for the latest facts and figures:
galeandphillipson.co.uk/blog…
15 Mar 2018
We caught up with Christine Williams, one of our Mortgage Consultants, to discuss a few of the common misconceptions first time home buyers have. #findmeamortgage #mortgageadvice #firsttimebuyerhelp
galeandphillipson.co.uk/blog…
1
1