Michelle Chmelar at Guaranteed Rate Nmls #65372

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Agawam, MA
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 representations 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

11/02/2026

Your future home can start with one folder.

Organizing documents, such as income, assets, employment and current housing information before you apply could make mortgage prep feel a lot more manageable.

Start with one category today, then keep building from there. If you have questions, I’m happy to help you understand exactly what may be needed when you’re ready to take the leap toward homeownership. Save this post. Future you will be glad you did.
https://myoc.io/d70UiN3Q6gQ/hG19h

NMLS # 65372

10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/d70UiN3Q6gQ/OofdZ

NMLS # 65372

10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/d70UiN3Q6gQ/nDiS3

NMLS # 65372

10/28/2026

Don’t blame ghosts for every creak, thud and clunk. There’s (probably) a perfectly normal explanation for the sounds your home makes. The real trick is keeping up with seasonal maintenance to prevent small issues from spiraling into bigger ones.

Review our home maintenance guide to get your home ready for spooky season.
https://myoc.io/d70UiN3Q6gQ/0ipIj

NMLS # 65372

10/27/2026

Running more than one business, or managing income that doesn't move in a straight line? Standard income documentation isn't always built for that. For eligible business owners, a current 12-month profit and loss statement may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's have a conversation.
https://myoc.io/d70UiN3Q6gQ

NMLS # 65372

10/26/2026

The new car payment followed you home … and now it won't leave. New debt can creep into your homebuying process, impacting your mortgage approval by changing your debt-to-income ratio.

Before financing a large purchase, let’s talk about how it may affect your plan. After all, some things are better left lurking in the shadows.
https://myoc.io/d70UiN3Q6gQ/QYNtK

NMLS # 65372

10/22/2026

Did you get this riddle right? While the answer gets a lot of attention, it’s only one piece of the larger mortgage puzzle. Discover the other numbers and details worth considering in our guide, or speak with me to better understand the big picture.
https://myoc.io/d70UiN3Q6gQ/4aRNm

NMLS # 65372

10/21/2026

One home goal. More than one way to get there. Your path to homeownership doesn’t have to look like everyone else’s. I can help you explore the options that may fit your goals.

Let’s talk about what could work for you.
https://myoc.io/d70UiN3Q6gQ/3NOW5

NMLS # 65372

10/20/2026

Pending home sales fell 7.3% in September, with signed contracts down in every region of the country. With less competition, buyers who are ready may have more room to negotiate. Thinking about making a move while others wait?
https://myoc.io/d70UiN3Q6gQ/bJ3jC

NMLS # 65372

10/15/2026

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.
https://myoc.io/d70UiN3Q6gQ/B43by

NMLS # 65372

Address

307 Waverly Oaks Road Suite 409
Agawam, MA
02452

Website

https://www.guaranteedrate.com/michellechmelar

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