Joshua Racicot -Rate

Plot twist: Your emoji may have opened a new door you hadn’t considered.

All fun and games aside, there are more options out there than the traditional single-family home. Different property types come with different financing considerations. When you’re ready to explore, I’m here to help find what works for you.

Share this with a friend and comment your emoji below!
https://myoc.io/CS8J6/iGL7u



NMLS # 485408

You’re invited! 🏡

Join us for a Broker Open House at this beautiful property:

4 Sherburne Way, Wareham, MA 02571

This Friday, 10/2 from 11:30 AM – 1:30 PM

Hosted with listing agent Shawn Costa, Compass Real Estate, this is a great chance to tour the home, network, and talk shop.

If you have buyers in need of trusted mortgage guidance or a pre-approval, I’d love the opportunity to be your go-to lending partner for their next home purchase.

Most buyers only think about saving for their down payment, but that’s only one part of the equation. Closing costs are another upfront payment you should be aware of so you could secure the keys to your new home in confidence.

Curious about what closing costs include and how to plan for them? I’m here to help. Let’s discuss more must-know tips for homebuyers.
https://myoc.io/CS8J6/R32nc



NMLS # 485408

Your rental income can qualify you for a loan on its own, no tax returns required. A DSCR loan is built for real estate investors who want financing based on what their property earns. Down payment options start at 20%, with loans up to $3M and the option to close under an LLC.

Ready to see what your property could qualify for? Let's talk.
https://myoc.io/CS8J6/o78vy

NMLS # 485408

Renting may offer short-term flexibility, but buying a home might help you build long-term stability. Let’s break down the numbers and see what works best for your situation. Get started at
https://myoc.io/CS8J6/jEc22



NMLS # 485408

Buying a home is a team effort. Behind every successful closing is a dedicated group collaborating to achieve the same goal. From you (the buyer) to me (the Loan Officer) and everyone in between, each player takes care of an important role. If you have questions about the homebuying process, I’m happy to discuss them further.

Let’s kick this off together.
https://myoc.io/CS8J6



NMLS # 485408

I just helped a first-time homebuyer save over $12,000 on their mortgage payments in the first two years 🤯

Curious how that works? Here’s the quick story:

I first met this young couple two years ago when they started looking for a home for their growing family. After a year of searching, they decided to hit pause and wait things out.

Fast forward to this August: an opportunity pops up for them to buy their parents’ house. Perfect home, perfect location… but the projected mortgage payment was higher than they were comfortable with.

Here’s where the strategy comes in:

Their parents were giving them a gift of equity. We took a portion of that gift and converted it into a seller credit. That credit paid for a 2-1 buydown on their mortgage.

What does that mean in real life?

Year 1: Their rate is 2% lower than the market rate

Year 2: Their rate is 1% lower than the market rate

Result: they’re saving over $12,000 in mortgage payments over the first two years, giving them time to ease into the payment instead of jumping in at full speed on day one. It’s an awesome way to make buying a home more comfortable, especially when rates are high.

If you’d like to see if a strategy like this could work for you—or you know someone thinking about buying—send them my way. I’d be happy to help walk through the numbers and options.

Buying a home may be a long-term investment, but it could pay you back over time through equity. While renting may seem like the “easy route,” it may be preventing you from achieving financial goals down the line.

Thinking about putting your money toward something you’ll actually own? Let’s talk about your options.
https://myoc.io/CS8J6/md2eB



NMLS # 485408

Don’t let the 20% myth stop you. In reality, your down payment may surprise you. I can help you evaluate your options based on your specific circumstances to determine what’s right for you.

Ready to get to the bottom of more mortgage myths?
https://myoc.io/CS8J6/8tJrC



NMLS # 485408