Applied Mortgage
Applied Mortgage
a HarborOne Mortgage team
NMLS #2561 Welcome to Applied Mortgage: The local Northampton branch of HarborOneMortgage.
We are a midsize mortgage banking company specializing in residential mortgages. We offer conventional, MA Housing, FHA, VA, and Rural Housing mortgages for single family homes, condominiums, and 2-4 unit properties. We also offer construction and renovation loans. As a family operated branch, we at Applied Mortgage are deeply committed to providing the best options and most courteous service to o
09/04/2024
We’re incredibly thankful for the kind words from our clients! Your feedback means the world to us and motivates us to keep delivering exceptional service. Knowing that we've helped you achieve your homeownership goals makes it all worthwhile.
Thank you for trusting us with your mortgage needs! 🏡💬
09/02/2024
Happy Labor Day!
Today, we celebrate the hard work and dedication that drives our nation forward. Here's to the dreamers, the builders, and the doers—thank you for all you do. 🛠️
09/02/2024
Did you know we offer First Time Homebuyer, Repeat Buyer, and Real Estate Industry Professional webinars? 💻
Check out our September Webinar lineup!
Keep an eye on our website to stay up to date!
Register today by clicking the link below.
https://www.appliedmortgageteam.com/monthly-webinars
08/30/2024
Reminder! Our loan officers are available days, nights, and weekends to help with your real estate needs!
👩🏻💻[email protected]
📱413-320-1641
08/30/2024
Curious about the potential benefits of refinancing? 🤔 Try our free Refinance Calculator!
💰 Enter your details to explore savings, estimate monthly payments, and make informed decisions about your mortgage.
https://www.appliedmortgageteam.com/refinance-calculator
The information provided by this calculator is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional before relying on the results.
Don't worry if you don't qualify for a loan initially. Here's what you can do to improve your chances:
1️⃣ Find Out Why: Understand why you were denied.
2️⃣ Check Your Credit Report: Look for errors or areas to improve.
3️⃣ Pay Down Your Debt: Lower your debt-to-income ratio.
4️⃣ Contact Your Lender: Discuss your next steps and get personalized advice.
Persistence pays off! Follow these steps and you'll be back on track to securing your dream home. 🏠✨
08/27/2024
An escrow analysis is more than just numbers—it's your key to understanding and managing your mortgage payments effectively because your taxes and insurance amounts change. Discover the importance of an escrow analysis and take control of your financial future today! Contact us today to learn more.
08/26/2024
📊 Pioneer Valley Real Estate Market Update: July 2024
With low inventory and high demand, we continue to see an upward trend in median prices.
Swipe through to see how median home prices have evolved from 2018 to 2024. 📈
source: MA Association of Realtors
08/25/2024
🎉🎂 Happy Birthday, Ryan! 🎂🎉
Join us in celebrating Ryan’s special day! Your dedication, hard work, and positive spirit inspire us all. Here’s to another year of success, happiness, and amazing memories.
🎈 Cheers to you, Ryan! 🎈
Ryan Footit - Loan Originator, Applied Mortgage
Are you considering refinancing your mortgage but unsure if it's the right time? Check out this video where we’ll explore the ins and outs of refinancing, helping you feel prepared and confident to make the best financial decisions for your future!
In this session, we’ll cover:
● Understanding Refinancing: What it is and how it works
● Lower Rates, Lower Payments: How refinancing can save you money
● Tapping into Your Home’s Equity: Strategies for cashing out for debt consolidation, investments, or home renovations
● Market Trends: Current interest rates and what they mean for you
● When to Refinance: Key indicators that it’s the right time for you
● Common Myths Debunked: Setting the record straight on refinancing misconceptions.
Whether you’re looking to lower your monthly payment, consolidate debt, or fund exciting home improvements, this webinar is tailored to provide you with the tools and knowledge you need to make informed decisions!
Hit that follow button and prepare to take control of your financial future!
08/23/2024
Curious to know what price range is right for your new home search? Utilize our FREE calculator to determine the most expensive house you can buy based on the highest payment you can afford.
https://www.appliedmortgageteam.com/mortgage-calculator
Please note that the results do not indicate whether or not you would qualify for the loan. Contact one of our loan officers today to learn more!
Navigating the world of home loans can be overwhelming, but we’re here to help you find the perfect fit:
🔹 Fixed Rate Mortgage: Enjoy the stability of consistent monthly payments with a fixed interest rate.
🔹 Adjustable Rate Mortgage (ARM): Start with lower rates that adjust over time, ideal for short-term homeownership.
🔹 FHA Loan: Great for first-time buyers, with lower down payments and more flexible credit requirements.
🔹 VA Loan: Exclusive benefits for veterans and active military members, including no down payment and no private mortgage insurance (PMI).
🔹 Conventional Loan: Versatile and widely accepted, often with lower interest rates for those with good credit.
🔹 Jumbo Loan: For those buying higher-priced homes, these loans exceed conventional loan limits.
🔹 First-Time Home Buyer Programs: Special programs designed to make homeownership more accessible for new buyers.
🔹 USDA Rural Housing Loan: Offers low-interest rates and no down payment for homes in eligible rural areas.
Explore a variety of videos on our YouTube channel that explain each of these loan options in detail. Click the link below:
https://www.youtube.com/playlist?list=PLpRDK4PMD_Tx8GAKAGaoai5gc_LQHHT9D
📞 Contact Us Today! Our expert team is ready to guide you through the options and help you choose the best loan for your needs. Start your journey to homeownership with confidence! 🌟🏠
Another awesome 5K coming up for the Easthampton Community Center!!
08/20/2024
Surprise video from Lindsay and family welcoming new teachers to Amherst with the Amherst Area Chamber of Commerce! Thankful for our teachers!!
08/20/2024
If you are a first-time home buyer, you don’t want to miss this opportunity!
Our First Time Homebuyer Webinar is taking place TODAY, Tuesday, August 20th at 12:00 PM.
Our team will help answer some frequently asked questions regarding budgeting, credit scores, the mortgage process and more!
Register today by clicking the link below.
https://harborone.zoom.us/webinar/register/WN_SUOLWYJsQ3m4AGsV8Fy9Uw #/registration
08/19/2024
Our HOME Run Cash Program is officially here! ⚾ This program helps home buyers get a competitive edge in the housing market with an all-cash offer. Contact us today to learn more!
Terms & conditions apply. · This is not an offer for an extension of credit or commitment to lend. Subject to underwriting approval.
Check out our YouTube page where our team discusses a wide range of topics. Click the link below! https://www.youtube.com/
👩🏻💻[email protected]
📱413-320-1641
Are you dreaming of owning a home but feeling held back by rising prices? The good news is that lower mortgage rates can significantly increase your buying power—and we’re here to explain how! In this video, we’ll dive into:
🏡 **The Impact of Interest Rates**:
Discover how even a 1% drop in rates can equate to an additional $50,000 in purchasing power!
📈 **Breaking Down the Numbers**:
We’ll show you the math behind the magic, so you can see for yourself how lower rates can open doors to your dream home.
🔑 **Strategies for Homebuyers**:
Get tips on how to take advantage of these lower rates and make the most of your home-buying journey.
💰 **Understanding Affordability**:
We’ll discuss what this means for your budget and how to navigate the current housing market.
🤔 **Expert Insights**:
Hear from industry professionals on what’s driving these rate changes and what potential homeowners should consider.
Whether you’re a first-time buyer or looking to upgrade, this video will empower you with the knowledge you need to seize the opportunity that lower rates present. Don’t let the market pass you by—your dream home might be closer than you think!
08/15/2024
Join us TODAY at 12 PM for our Repeat Homebuyer webinar.
Our team will help answer some frequently asked questions for anyone who owns a home and is considering refinancing, renovating, buying a second home, or investment property!
Register today by clicking the link in our bio!
Thinking about buying a house? 🏡
Buying Now: Lock in a fixed housing payment, avoid future price surges, and start building equity in a growing market. However, low inventory, high demand, and volatile mortgage rates make it challenging.
Buying Later: You might benefit from lower rates, higher inventory, and better economic conditions. But beware of missed opportunities, increased competition if rates drop, and rising property prices.
Timing is everything! 🗝️
Contact us with any questions. We're here to help! 📞
08/12/2024
MARK YOUR CALENDARS!
Our next First Time Homebuyer Info Session Webinar is taking place on Tuesday, August 20th at 12:00 PM.
Our team will help answer some frequently asked questions regarding budgeting, credit scores, the mortgage process and more!
Register today by clicking the link below.
https://harborone.zoom.us/webinar/register/WN_SUOLWYJsQ3m4AGsV8Fy9Uw #/registration
Our all-in-one construction and renovation loan at HarborOne Mortgage is designed to simplify the home-building and renovation process. Instead of dealing with multiple loans and closings, we consolidate everything into a single loan with just one closing.
Contact us today for guidance through every step from application to completion.
Subject to underwriting approval. This is not an offer for an extension or credit or a commitment to lend. Terms and conditions may apply.
08/09/2024
Outdoor kitchen or in-ground pool? Let me know in the comments which addition would complete your dream home! 😍
Contact us today to discuss your eligibility for a renovation loan and turn those dreams into a reality!
08/08/2024
MARK YOUR CALENDARS!
Our next Repeat Homebuyer Info Session Webinar is taking place on Thursday, August 15th at 12 PM.
Our team will help answer some frequently asked questions for anyone who owns a home and is considering refinancing, renovating, buying a second home, or investment property!
Register today by clicking the link below.
https://harborone.zoom.us/webinar/register/WN_ER-PzmmjTEi0e8Oxv_z9HQ #/registration
08/06/2024
Our goal is to help as many people as possible find their home. HarborOne Mortgage is proud to have grown our lending footprint from just a few New England states to over half of the East Coast!
The Applied Mortgage Team lends in ME, NH, MA, CT, NC, SC, & FL. HarborOne Mortgage additionally lends in VT, RI, NJ, and PA.
Repost from Lindsay! Keiter does it again with the tremendous support of the community through their matching Greater Northampton Chamber of Commerce gift card program! Get yours this week before they’re gone!
08/04/2024
From charming coastal escapes to bustling seaside villages, there's no better place to spend your summer than New England! 🏖️
Here are some of the top New England beach towns voted best for investment properties:
☀️ Newport, RI
☀️ Edgartown, MA
☀️ Ogunquit, ME
☀️ Nantucket, MA
Ready to finally make that investment on a vacation or rental home? Contact us today to discuss our loan options!
More top locations available at: https://newengland.com/travel/new-england/best-new-england-beach-towns/
08/02/2024
Buying a home can be overwhelming, and that's why we are here to help! There are several important elements, known as PITI, that affect how much your mortgage payment will be each month. Our team strives to ensure that you consider all the factors and explore what financing options will get you one step closer to your dream home.
Contact us today to learn more!
08/01/2024
Did you know we offer First Time Homebuyer, Repeat Buyer, and Real Estate Industry Professional webinars? 💻
Check out our August Webinar lineup!
Keep an eye on our website to stay up to date!
Register today by clicking the link below.
https://www.appliedmortgageteam.com/monthly-webinars
Looking for a place to call home? Check out some of the New England cities that made it to U.S. News' top 150 list! Contact us today to start your homebuying journey!
Source: https://www.boston25news.com/news/local/8-new-england-cities-named-among-150-best-places-live-america/T6Q2AMOWXNEKVIE3P5FX24XGRY/
Click here to claim your Sponsored Listing.
Welcome to Applied Mortgage!
Welcome to Applied Mortgage: the Northampton branch HarborOneMortgage (formally Merrimack Mortgage, LLC). We are a midsize mortgage banking company specializing in residential mortgages. We offer conventional, MA Housing, FHA, VA, and Rural Housing mortgages for single family homes, condominiums, and 2-4 unit properties. We also offer construction and renovation loans.
As a family operated branch, we at Applied Mortgage are deeply committed to providing the best options and most courteous service to our borrowers. It is our goal to help our clients secure mortgage financing that meets their specific needs, as well as serves their best interests. Simultaneously we strive to create a seamless transaction for all parties involved.
Todd Barron and his team at Applied have served the Pioneer Valley since 1987!
As one of the region’s largest independent mortgage bankers, our reputation as a premier service provider has been the key to our success. In our history, many lenders have come and gone; few having been around as long as our team. Our success is attributed to our core strategy of providing a high level of customer satisfaction at a competitive price.
We pride ourselves on being the company that delivers the same products as the big lenders but we also provide the high quality service levels inherent in a small lender. It is our winning combination of finesse and strength that has led to our exceptional growth during the past three decades.
Furthermore, when it comes to products and prices, we are tough to beat! As a true mortgage banker, we correspond with all major conduits to find you the best product at the best price. Call us today, you'll be glad you did!
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Contact the business
Address
211 North Street
Northampton, MA
01060
Opening Hours
| Monday | 8:30am - 5pm |
| Tuesday | 8:30am - 5pm |
| Wednesday | 8:30am - 5pm |
| Thursday | 8:30am - 5pm |
| Friday | 8:30am - 5pm |
Susan Peters - Loan Originator, HarborOne
211 North Street
Northampton, 01060
I help people with all types of mortgages and I specialize in Residential mortgage lending, Conventional mortgages, VA Mortgages, FHA Mortgages, Jumbo Mortgages. Lending in CT, FL,...
Jeff Lapointe - Loan Originator, Applied Mortgage
211 North Street
Northampton, 01060
I am a loan originator at Applied Mortgage in Northampton, MA. I specialize in Mortgage Consultations, PreApprovals, Purchases, Refinances, and Home Equity Loans. NMLS ID: 696323
John Martin - Loan Originator, Applied Mortgage
211 North Street
Northampton, 01060
I work with home buyers and current owners to find the best mortgage to suit their situation. We hav
Ryan Footit - Loan Originator, Applied Mortgage
Northampton, 01060
Loan Originator at Applied Mortgage NMLS 1272297 a DBA of HarborOne Mortgage NMLS 2561