Ray Chouinard - Lendizen Mortgage

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Ray Chouinard - Lendizen Mortgage Senior Finance Manager
Lendizen Mortgage
NMLS: 23326 Customer satisfaction will remain our number one priority.

Mortgage Financial provides the right combination of quality products, competitive rates, and passionate service. We are a full service lender, meaning not only do we offer you the most competitive rates but we also coordinate the steps involved in the loan process. LendUS LLC, DBA Mortgage Financial is a Residential Mortgage Licensee. Massachusetts Mortgage Lender and Broker , Licensed by the New Hampshire Banking Department License #5593-MB. Vermont Lender License #6207, Maine Supervised Lender License , Connecticut Lender License , Florida NMLS License , NMLS #1938 - Equal Housing Lender.

10/14/2026

Compare Mortgage Offers Beyond the Rate

10/13/2026

Learn How to Get Approved for a Mortgage
Let’s connect and talk about the latest insights in the industry!

10/12/2026

US Mortgage Payoff Strategy Matters Now

How to Buy a Foreclosed HomeWith over 25 years guiding clients through residential mortgage options, I've seen the forec...
10/11/2026

How to Buy a Foreclosed Home
With over 25 years guiding clients through residential mortgage options, I've seen the foreclosure market change in meaningful ways. Foreclosed properties are available through short sales, auctions, or as bank-owned listings. Recently, foreclosure filings have risen by 21%, which means more inventory for buyers to consider. If you're thinking about purchasing a foreclosed home, make sure to get preapproved—it's essential to compete with cash buyers. Keep in mind, these properties are sold 'as is,' inspections can be limited, and auctions may involve additional buyer premiums. Navigating these transactions takes careful planning and the right preparation.


https://www.housing-trends.com/agent-news/raymond-chouinard/2077850-How-to-Buy-a-Foreclosed-Home

10/11/2026

Honoring the Significance of Indigenous Day

How mortgage preapproval works and why it matters before buying a homeWith over 25 years in residential mortgage lending...
10/10/2026

How mortgage preapproval works and why it matters before buying a home
With over 25 years in residential mortgage lending, I've seen firsthand how mortgage preapproval can set you up for success when purchasing a home. Preapproval means a lender has reviewed your credit, income, debts, and assets, confirming you qualify to borrow a specific amount. This process requires documentation and a hard credit check, typically remains valid for 30-60 days, and—while not a final loan commitment—gives you a real edge. A strong preapproval not only makes your offer more compelling to sellers but also streamlines the buying process, helping you move forward with confidence in a competitive market.


https://www.housing-trends.com/agent-news/raymond-chouinard/2069312-How-mortgage-preapproval-works-and-why-it-matters-before-buy

Mortgage preapproval vs. prequalification: Which should you choose?With over 25 years of experience guiding clients thro...
10/09/2026

Mortgage preapproval vs. prequalification: Which should you choose?
With over 25 years of experience guiding clients through mortgage decisions across MA, NH, and Maine, I often get asked about the difference between mortgage prequalification and preapproval. Here’s how I break it down: Prequalification is a quick estimate of your borrowing capacity, relying on self-reported information and skipping the credit check. Preapproval, on the other hand, means your financial documents have been verified and a hard credit check has been performed — resulting in a conditional loan commitment, though it’s not a final guarantee. Understanding this distinction helps you approach your home financing journey with confidence and clarity.


https://www.housing-trends.com/agent-news/raymond-chouinard/2071768-Mortgage-preapproval-vs.-prequalification%3A-Which-should-you-

10/08/2026

US Mortgage Refinance Myths to Know
After more than 25 years guiding clients through the mortgage landscape, I’ve seen a few refinance myths persist—and it’s important to separate fact from fiction if you’re considering a move. First, always shop around: gather at least three quotes on the same day and compare APRs, not just interest rates, to get the full picture of lender fees and put yourself in a stronger position to negotiate. Remember, refinancing isn’t free—expect closing costs between 2% and 5% of your new loan, so calculating your break-even point is a must before making any decisions. Also, a lower rate doesn’t always mean you’ll save; if you reset to a new 30-year term, your total interest paid could rise. Refinancing simply replaces your primary lien, meaning it won’t complicate a future home sale, though any cash-out option requires extra care. And finally, expect a credit check—having strong credit and a DTI below 36% puts you in the best spot for top offers, and even if you’ve been denied before, improving your profile can open new doors. In this complex process, a little clarity goes a long way.

10/07/2026

Mortgage Refinancing Myths and Costs to Check
With over 25 years guiding clients through the mortgage process, I’ve seen how persistent myths about refinancing can trip up even seasoned homeowners. Before you dive in, remember: always gather at least three same-day quotes and compare the full APR—not just the advertised rate—to get a true sense of lender fees and strengthen your negotiation position. Keep in mind, refinancing isn’t free; closing costs typically run between 2% and 5% of your new loan, so it’s essential to calculate your break-even point before making a move. While a lower rate is appealing, starting over with a new 30-year term can actually increase the total interest you’ll pay, so evaluate whether the savings really add up for your situation. When you refinance, you’re replacing your current mortgage with a new one—this won’t complicate a future sale, but be especially careful with cash-out options. Finally, expect a credit check. The best offers go to those with strong credit and a debt-to-income ratio under 36%, but if you’ve been turned down before, don’t be discouraged—improvement and a second chance are possible. My goal is to help you make informed choices every step of the way.

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500 Cummings Center Suite #1550
Beverly, MA
01915

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