Dan Scerpella NMLS #525416

08/23/2024

Hi folks,

I have moved to Baltimore, MD, so I am in the process of reactivating my Maryland license. Still licensed for Wisconsin.

01/16/2024

12/22/2023

Early Christmas present, these are heavenly

12/15/2023

Folks, I am available to answer your questions regarding all things mortgage. From preparing for your first home, pre-approval, Healthcare professional loans, investor loans and reverse mortgage.

06/15/2023

Rates.

Well they are certainly higher than we would all like. But inventory levels are pushing annual appreciation higher again. It's said you marry your house but rent your mortgage.

All this means there is a cost for waiting to purchase. That same home you like is not going to be cheaper next year. And lower rates will only push prices higher.

There is a soundness in the strategy of buying now. Own it now. Get the higher appreciation and refinance when rates drop. Playing catch-up is potentially a losing strategy.

Call me with any questions.

05/03/2023

Please feel free to ask me for information on Reverse Mortgage. These are somewhat misunderstood by the general public. Let me provide you with answers to all your questions.

Here are the bullet points:

One spouse must be 62 years of age.

Must be the primary residence with residency a minimum of 6 months a year.

No repayment is required until the home is either sold or borrower passes away.

It is a non recourse loan, meaning there is no other collateral for the loan apart from the home. Neither the borrower nor the heirs will have any remaining financial liability.

Borrowers must continue to pay Property Taxes and maintain Homeowners Insurance.

Any proceeds received from the Reverse are not income and not subject to income taxes.

The house is the property of the borrower ALWAYS, exactly like a conventional mortgage.

For many seniors, a Reverse is the answer, although they are not for everyone. Reach out to me for a comprehensive review and quote.

05/03/2023

Hi Wisconsin friends,

I am concentrating in Wisconsin for the time being. So if you need any help, be it rate quotes, information on programs or any information regarding mortgages, please feel free to ask me.

Purchases, Refinance, Renovation, Cash out, Investment Properties, and Reverse Mortgages.

05/01/2023

Hi friends. This is my page for First Integrity Mortgage Services, an exciting new chapter for me with a great company. Whether you are buying, refinancing, renovating, real estate investing, we have the answers and expertise. Even if you are new to real estate and just want to ask questions. I am happy to help you in any way I can.