Michelle Chmelar at Guaranteed Rate Nmls #65372

Michelle Chmelar at Guaranteed Rate Nmls #65372 Guaranteed Rate has helped over 100,000 people with Life's Biggest Purchase (TM). Guaranteed Rate, Inc.

VP of Mortgage Lending at Guaranteed Rate
https://www.guaranteedrate.com/michellechmelar
Michelle Chmelar NMLS ID: #65372
Guaranteed Rate NMLS ID: #2611
http://www.nmlsconsumeraccess.org/ With 115 offices and full service solution in 47 states, we assist customers the way they choose - face-to-face, over the phone, or online – and have funded over $34 billion of loans since 2001. makes no represen

tations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the information, products, services, or related graphics contained in/on this website for any purpose and will not be liable for any loss or damage (direct, indirect or consequential) arising from the use of the same. Any reliance you place on such information is strictly at your own risk. The thoughts, opinions and/or views expressed herein are the sole responsibility and product of their respective author(s). https://www.guaranteedrate.com/disclaimer.php https://www.guaranteedrate.com/licensing.php

VP of Mortgage Lending at Guaranteed Rate
http://guaranteedrate.com/michellechmelar
http://twitter.com/michellechmelar

09/09/2026

When planning to enter the housing market, prioritize your personal situation, not a calendar. While spring is a popular time to shop for homes, you may be overlooking some major advantages that fall brings.

Let’s discuss a plan that makes sense for you based on your unique situation.
https://myoc.io/d70UiN3Q6gQ/EEvjd



NMLS # 65372

09/08/2026

With Forward Commitments and DSCR, you can lock in pricing for your investor buyers and let their rental income do the qualifying. It's a faster path from contract to close, and a real edge over builders who can't offer it.

Ready to protect your pipeline? Let's connect.
https://myoc.io/d70UiN3Q6gQ/Ps6WD



NMLS # 65372

09/07/2026

The small moments at home are often the ones we remember for a lifetime. However you’re enjoying Labor Day, I hope it’s filled with loved ones, laughter and great food.

How’re you celebrating today?
https://myoc.io/d70UiN3Q6gQ



NMLS # 65372

09/03/2026

Before you start browsing for homes, one of the smartest things you can do is scope out your mortgage options. Knowing what types of loans you qualify for will help you target your search and negotiate with sellers. That’s where pre-qualification and pre-approval come in. While pre-qualification doesn’t include a deep dive into your financial history, pre-approval does, giving you a more accurate view of your options.

Let’s break down the differences together.
https://myoc.io/d70UiN3Q6gQ/iKxE1



NMLS # 65372

09/01/2026

When it comes to finding a home, every generation looks for something different. Which group do you align with? Take the quiz to find out which generation’s house hunting style matches yours. You might be surprised!

Comment your results below.
https://myoc.io/d70UiN3Q6gQ/MCjv5



NMLS # 65372

08/31/2026

Refinancing isn't a now-or-never decision, it's a when-it-fits one. As your goals shift and life changes, it can be worth a fresh look at whether your current mortgage still matches where you are headed. No pressure and no rush, just a conversation when you are ready.

Save this for when the timing feels right, and reach out anytime you want to talk it through.
https://myoc.io/d70UiN3Q6gQ/xXn9B



NMLS # 65372

08/27/2026

Preparation is the part of homebuying many people skip, yet it’s the part that pays off the most. The early steps are simpler than you think, and each one makes what follows easier.

Reach out anytime and I’ll help you find your starting line.
https://myoc.io/d70UiN3Q6gQ/Oh2oB



NMLS # 65372

08/25/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why. Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.
https://myoc.io/d70UiN3Q6gQ/ChuXj



NMLS # 65372

08/24/2026

Return on investment is not the only reason to improve a home. Sometimes a project is worth it simply because it makes the place yours. What is the best or worst project ROI you have seen? Drop it in the comments.

And if you are considering a project of your own, reach out anytime and let’s talk through how it fits your bigger picture.
https://myoc.io/d70UiN3Q6gQ/WCnKi



NMLS # 65372

08/20/2026

Do you know everything your monthly payment covers? Most people are surprised it's more than just principal and interest. Taxes and insurance are in there too, and that's the part most people miss.

If you've got questions about what makes up your payment, reach out to me today, I'm happy to walk you through it.
https://myoc.io/d70UiN3Q6gQ/ym1YZ



NMLS # 65372

Address

307 Waverly Oaks Road Suite 409
Agawam, MA
02452

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