Luke P. Ostrowski Senior Loan Officer NMLS# 139257

Your Friday rate update. Good luck with your open houses and offers this weekend.

Weekend house hunters.

Interest rates for you weekend home hunters.

Weekend real estate shoppers.

Great to be with such intelligent and authentic people for the State of the Market last Wed night at Millennium Tower. From left to right Pat Cutter managing director of Winthrop Center, myself, Jaime Chavez Sales Executive for The St. Regis Residences, Haley Cutter Managing Director Cutter Luxe Living Compass, Gilbert J. Schipani Founding Attorney Tempus Fugit Law, and Marissa A. Rosati Attorney Tempus Fugit Law.

Rates are still low. If you have any floating money out there, it’s a great time for a check in to see if you can consolidate into something longer term. Online rates don’t show primary residence and 740+ fico discounts for jumbo mortgages so reach out to discuss terms. No price adjusters for non-warrantable condos or underwriting exceptions.

[email protected]

If you are a mortgage loan officer, or loan officer assistant, you may have taken notice, despite another robust year for fundings, the playing field is in transition. Compensation plans are being restructured for some to include accountabilities beyond mortgage origination.  Mortgage bankers are seeking new horizons in response to frustrations with call quotas and cross-selling mandates. Couple this with shrinking refinance opportunities, limited purchase inventory and everyone is fighting for the same borrowers with diminishing returns. Not so, at United Nations Federal Credit Union . We want you to focus on one thing, . We provide you with the right mix of agency and portfolio solution products to help you accommodate more scenarios keeping you front of mind with your referral partners.
 
If the on-going establishment of new referral opportunities, increased interaction with existing referral partners and year over year escalation of funded volume speaks to you, than speak to me! You will be astonished by the funded volume our loan officers quietly achieve. Speak with any of our loan officers to better understand the value add we provide, you will be glad you did. Offering expedient turn times, flexible portfolio lending solutions, competitive jumbo fixed and ARM pricing along with a federal NMLS # and 50 state lending.
 
These positions are for you if you see the value of being a preferred lender for your referral sources. You appreciate common sense underwriting decisions allowing you to lend outside the box. And, you applaud the opportunity for a long term career with an enterprise that values your voice and recognizes what you bring to the table.

Please contact me directly at 617-875-3554 or [email protected]

Happy Fathers Day!

We have an inventory problem in the greater Boston area. This isn’t new, it’s the norm. Realtor partners, get your buyers through a fully underwritten pre-approval process subject to title and appraisal. This will allow you to be more aggressive with closing times, allow you to have better conversations about waiving financing contingencies and the risks involved.

At UNFCU, we provide competitive condo and multi-family products with minimal pricing overlays. We embrace investment properties with attractive portfolio ARM pricing. And, our referral partners recognize the benefits of flexible portfolio underwriting coupled with products such as Foreign National with no US income or US credit, non-warrantable condo, jumbo investment along with a mix of advantageous lending products.

Lending in all 50 states.

Ask me about pricing scenarios at 70% LTV or less for a primary residence (purchase & refi) as our pricing engine does not calculate purchase money discounts for fixed rates.

Mortgage Loan Officers – we are looking for multiple self-sourced professionals to join our team. The culture is kind, motivated and strategic. Compensation is very competitive.

Please contact Paul Heiselman @ +1 (347) 287-7993 or myself 617-875-3554.

Rates are at an all time low and most loan officers in this industry can do ok with the amount of potential business thats still out there. WHATS YOUR PLAN WHEN THE GRAVY TRAIN RUNS OUT? When will that be? After the election? 6 months to 4 years? Truth is even the pundits have no idea what’s going to happen around the corner in these unprecedented times. We will be transitioning to a purchase market sooner rather than later, most people have already refinanced. How’s your company going to lead you through the transition?

United Nations Federal Credit Union (UNFCU) is an international financial firm that wants to grow its footprint in the Boston/New England Region. We have strong rates (both purchase and refinance) have great products (non-warrantable condos, investment, multi, cash-out refinances, lend to trusts and LLC’s, foreign nationals with no US credit) and are extremely member centric by offering turn times and support that has far exceeded my expectations. We lend in all 50 states.

We’re looking for a few good mortgage professionals to join our team. The culture is professional yet kind, motivated and strategic. Compensation is very competitive.

Please contact Paul Heiselman @ +1 (347) 287-7993 or myself 617-875-3554.

Brookline Massachusetts and its top producing realtors in 2020 based on closed dollar volume. Do you want an introduction to any of these great agents? DM us and we’ll be happy to connect you.

Direct Message us if you want to be connected to one of these Top 5 producing realtors in 2020 based on dollar volume closed in Bedford Massachusetts.

Meet Dover Massachusetts top producing realtors by closed dollar volume in 2020. Dover is a beautiful suburb located west of Boston know for its beauty and great schools. Congratulations to all of you and your clients you have served.

Meet your top 5 producing realtors and their teams for closed sales production in 2020 for the town of Andover. Congratulations to you and your clients who now call Andover home.

Historic Concord. Rich in history and natural beauty with a reasonable commute to Boston. If you are thinking about moving to Massachusetts, Concord is a great option and one of these top producing realtors can guide you home. Meet the top 5 highest producing agents based on dollar volume for concord in 2020. Imagine how many families these agents helped to find new homes. Congratulations on a great year and may you continue to help your community by having a successful 2021.

Moving to Boston area and need to be close to the city with great schools? Meet the top 5 realtors for 2020 based on dollar volume closed in Newton Massachusetts. One of these agents would be happy to help you. We are happy to make an introduction. Congratulations to these excellent realtors who helped many families with the opportunity to call Newton home this last year. May you make many memories and be blessed with health and happiness.

Baleen at LaPlaya Beach & Golf Resort on Gulf Shore Drive, Naples, FL. Gulf Shore Drive is a wonderful thoroughfare with an ample display of waterfront condos and detached dwellings situated on the Gulf of Mexico.

Speaking of condominiums, did you know that United Nations Federal Credit Union , makes condo buying simple? Our stress free review process requires a completed condo questionnaire & master insurance policy only. No need to waste valuable time chasing down financials. Better yet, we can approve the project same day or next. There is no adverse impact to rate or price for non-warrantable and our fully underwritten pre-approvals include project review.

Our and
partners recognize the value add we provide via our expanded product suite and streamline process:

• No financials required – condo questionnaire & insurance only
• No investor concentration limits
• Foreign national & international relocation lending experts
• Close in the name of an LLC or family trust (LLC lending available in NY, NJ, CT, MA, MD, VA, DC & FL only)

Lending in all 50 states

MLOs in PA, MA, NY, NJ, CT, VA & DC