Melissa O'Strander - NMLS# 1396546 - Total Mortgage

🚨🚨Are you a first-time home buyer that has questions about the home buying process?
🎉You’re invited! First time home buyers seminar!!🥳

Join us on May 4th from 3pm-4pm at
Lamacchia Realty, 945 W Boylston Street, Worcester, MA
For education on the home buying process from Realtor Bob Gedraitis, Attorney Jim Cahn and myself Mortgage Branch Manager with Total Mortgage!
Here, you will receive answers to all of your questions plus helpful strategies to keep in mind when purchasing your first home.

🚨 Big Announcement Alert! 🚨

Exciting news from Fannie Mae about the NAR real estate commission settlement:

"If a seller or seller’s agent keeps covering the buyer’s agent commission as usual, it won’t eat into the seller's contribution limits for the transaction."
Translation: Real Estate Agent Commission WON'T count towards the max seller contribution for buyer fees!

It's a win-win! Reach out for more details! 📞💬

Do you know what a Meet - Cute is?

🎉 Exciting News! You're Invited to the YB Realty Launch Party! 🚀
Join us for an unforgettable evening at the YB Realty Launch Party!

RSVP now to secure your spot! Don't miss out on the fun, food, and fantastic networking opportunities! 🥳 See you there!


https://www.eventbrite.com/e/yb-realty-launch-tickets-862950918427?utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=listing&utm-source=cp&aff=ebdsshcopyurl

That face you make when you get A CLEAR TO CLOSE in
7 DAYS!!!

🌟✨ Another 5-star review lights up our day! A huge shoutout to Justin Gutierrez for taking the time to share their positive experience with us. Your feedback is our greatest reward! 🙌💖
Thank you for being part of our journey! 🌈🌟

🌟💙

I am a Loan Officer, of course I ALWAYS have my computer with me.

🏡✨ Happy Friday, Dream Home Seekers! Ready for a weekend of open houses and house-hunting excitement? 🚗💨 Before you start exploring those charming neighborhoods, here's a friendly reminder: Get Preapproved! 📝💼

🔍 Why? It speeds up your home-buying journey and gives you a clear budget. No one likes falling in love with a house only to find out it's not in the cards right now. 🤷‍♂️💔

👉 So, take a breather, sip that coffee, and get in touch with me for your preapproval. Your future self will thank you! 🌟🏠
Text or call me at 413-977-8155, lets start your homebuying journey!

🏡✨🔑

Happy Law Enforcement Day! A big thank you to all the brave men and women in law enforcement who work tirelessly to keep our communities safe. Your dedication is truly appreciated!

Thank You for Making Us CT's #1 Purchase Lender Purchase and Refinance Mortgage Calculator

Curious about what the future holds for the housing market? Check out our latest blog post for the inside scoop!

Housing Market Trends and Predictions for the Next 5 Years | Total Mortgage Historical results don’t guarantee future performance. Learn about the housing market trends and predictions for the next five years: 2023 to 2026.

Monthly debt / monthly income. That’s all it takes to determine your debt-to-income (DTI) ratio!

When you apply for a mortgage, lenders will want to see whether you’re financially capable of taking on long-term debt and regular loan payments. To do this, they make a simple calculation by dividing your monthly debt by your monthly income – your DTI ratio.

If you’re curious about your own DTI, give it a try! I’m always available to help, so don’t hesitate to reach out anytime.

Making a down payment can be a hurdle for many home buyers. Learn about the pros and cons of down payment assistance programs in our latest blog post.

The Pros and Cons of Down Payment Assistance - Total Mortgage Learn the pros and cons of down payment assistance and how it can put homeownership within reach for first-time home buyers.

🚨 New Listing

📍 24 Bethel Street, Springfield, MA 01108

✨ 3 🛏

✨ 1 1/2 🛁

✨ Renovated Kitchen 🥘

✨ And so much more!!

You won’t want to miss this open house!

Contact me today at 📱 413-221-3269 for your private showing.

Can’t predict anything these days 🙃📈

Thank you so much for everyone that has supported me and helped me grow over the years, and to my clients! 🥰 I remember each one of you, grateful for trusting me helping you through one of best milestones in your lives. To begin new memories in your new homes, or helping you save money monthly, or take money outta your equity to build your mother in laws addition. Thank you 🙏

We are thrilled to announce that Nick Palermo, Melissa O’Strander and Brandon Kubik are all ranked within the Top 20 Purchase Loan Officers in Hampden and Hampshire counties!* What an incredible honor, we are so proud of you all! 🥂🎉



Nicholas Palermo Melissa O'Strander - NMLS # 1396546 - Movement Mortgage, Brandon Kubik - NMLS 1746921 Movement Mortgage