Stephanie Monteiro Total Mortgage NMLS # 1872982

Stephanie Monteiro Total Mortgage NMLS # 1872982 Equal Housing Lender
Mortgage Loan officer for the states of Massachusetts, Rhode Island, Florida and Georgia. Equal Housing Lender

Ready to help with purchasing a home or refinancing.

Massachusetts and Rhode Island buyers, think you need 20% down to buy a home? That's one of the biggest myths out there....
09/07/2026

Massachusetts and Rhode Island buyers, think you need 20% down to buy a home? That's one of the biggest myths out there.

Conventional loans can go as low as 3% down. FHA loans, backed by the Federal Housing Administration, can go as low as 3.5% down. VA loans, for veterans, and USDA loans, for eligible rural homes, can go all the way to 0% down.

The typical down payment across the country is closer to 18%, and many first-time buyers put down much less.

Comment "READY" and I'll show you your real options.

09/04/2026

You could be missing out on up to $30,000 in down payment help right here in Massachusetts.
STOP waiting on the sidelines, and get Pre-approved.

Comment "READY" to see if you qualify.

Massachusetts and Rhode Island buyers even with a mortgage, you hold the title to your home here in Massachusetts. The ...
09/02/2026

Massachusetts and Rhode Island buyers even with a mortgage, you hold the title to your home here in Massachusetts.

The bank has a lien, which means they can foreclose if payments stop, but they do not own your house.

Title insurance protects you from problems like old debts or ownership disputes that a title search might miss.

Comment "READY" and I'll help you understand your closing paperwork.

Your final walkthrough, is usually 24-48 hours before closing and is your last chance to confirm everything is the way y...
08/31/2026

Your final walkthrough, is usually 24-48 hours before closing and is your last chance to confirm everything is the way you agreed: repairs finished, appliances working, no new damage.

Many buyers find repair problems in their first year that could have been caught here.

It's not required, but I always recommend it.

Comment "READY" and I'll help you know what to check.

Massachusetts and Rhode Island buyers I know hearing "clear to close" is a huge relief, but it's not the final step. It ...
08/28/2026

Massachusetts and Rhode Island buyers I know hearing "clear to close" is a huge relief, but it's not the final step.
It means your loan passed underwriting and no conditions remain, but lenders often do one more credit and employment check right before closing.

Avoid new credit, job changes, or big purchases until you have the keys in your hand. Comment "READY" and I'll walk you through what to expect.

08/26/2026

Massachusetts and Rhode Island buyers "Clear to close" feels like the finish line, but there's a little more to go!

Even with your loan approved, steps like your final walkthrough and understanding your home title are crucial to protect your investment.

Don't let anything catch you by surprise right before you get the keys.
Comment "READY" and I'll walk you through what's ahead.

08/25/2026

No need to ask! We do Pre approvals😊

08/25/2026

No need to ask! We do Pre Approvals Marissa Monteiro Real Estate

Massachusetts and Rhode Island buyers think your student loans don't count toward your debt because you're not paying th...
08/24/2026

Massachusetts and Rhode Island buyers think your student loans don't count toward your debt because you're not paying them right now?

Every loan program still includes a minimum payment amount, even when your loan is in deferment. This is one of the most common surprises for buyers. Knowing this ahead of time means no surprises when we review your numbers.

Comment "READY" and let's go over your real payment.

Massachusetts and Rhode Island buyers, ever hear your loan officer mention "DTI" and wonder what it means?It's your debt...
08/21/2026

Massachusetts and Rhode Island buyers, ever hear your loan officer mention "DTI" and wonder what it means?
It's your debt-to-income ratio: how much you owe each month compared to what you earn.

Lenders check this using your credit report, not just your bank balance. Most programs want it under 43%, and the lower it is, the more loan options you have.

Comment "READY" and I'll help you calculate yours.

Address

281 Pleasant Street Ste 3
Brockton, MA
02301

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