Mary Razatos l Loan Officer NMLS #2535723

Mary Razatos l Loan Officer NMLS #2535723 Loan Officer | Mom, skier, and your local mortgage expert. Helping you achieve the dream of homeownership.

Let’s build your future together!
📍 American Financing | NMLS #182334
🆔 Mary Razatos NMLS #2535723

If you are looking to finance a multi-tenant commercial property, your rent roll is one of the most important documents ...
08/12/2026

If you are looking to finance a multi-tenant commercial property, your rent roll is one of the most important documents you’ll provide.

Keep it updated, clean, and organized. Lenders look for details like lease expiration dates, current rental rates, and tenant history. Having a clear, error-free rent roll prepared before you even apply saves days of back-and-forth during the underwriting process.

Getting approved is exciting — but the process isn’t finished yet.Between approval and closing, lenders are still review...
08/10/2026

Getting approved is exciting — but the process isn’t finished yet.

Between approval and closing, lenders are still reviewing documents, finances, and any changes that could affect your loan.

Stay consistent and avoid big financial moves until you get the keys. 🏡

Understanding the difference between residential and commercial financing is key to scaling your portfolio. While reside...
08/07/2026

Understanding the difference between residential and commercial financing is key to scaling your portfolio. While residential loans prioritize personal credit, commercial lending is built on the narrative of the property itself. 🏢

Looking to break into larger assets? Start by analyzing the income potential of your next acquisition.

Many buyers delay their plans because of things they’ve heard that aren’t always true.❌ “I need perfect credit.”❌ “I nee...
08/05/2026

Many buyers delay their plans because of things they’ve heard that aren’t always true.

❌ “I need perfect credit.”
❌ “I need 20% down.”
❌ “I should wait until rates are perfect.”

Every buyer’s situation is different. The best first step is understanding your real options. 💡

Interest rates matter, but they're only one piece of the puzzle 🏡📊Your monthly payment, loan term, taxes, insurance, and...
08/03/2026

Interest rates matter, but they're only one piece of the puzzle 🏡📊

Your monthly payment, loan term, taxes, insurance, and long-term financial goals all play a role in affordability. A slightly higher rate on the right home may still make more sense than waiting indefinitely for the "perfect" rate.

Smart homebuyers look at the total financial picture, not just one number.

Affordability is not just about what you qualify for. It also includes your real-life comfort.A truly affordable home sh...
07/29/2026

Affordability is not just about what you qualify for. It also includes your real-life comfort.

A truly affordable home should allow you to maintain:

• Comfortable monthly payments
• Emergency savings
• Lifestyle flexibility
• Long-term financial stability

Even after approval, delays can still happen due to:• Missing or updated documents• Credit changes during the process• L...
07/27/2026

Even after approval, delays can still happen due to:

• Missing or updated documents
• Credit changes during the process
• Low appraisal results
• Job changes
• Inspection issues

Staying consistent financially helps keep your closing on track.

Just because a lender approves you for a certain amount doesn’t mean you should spend it all.Your real budget should als...
07/24/2026

Just because a lender approves you for a certain amount doesn’t mean you should spend it all.

Your real budget should also include:

• Monthly lifestyle expenses
• Savings goals
• Emergency cushion
• Comfortable payment range

It’s not just income and credit score. Lenders also closely evaluate:• Debt-to-income ratio (DTI)• Employment stability•...
07/22/2026

It’s not just income and credit score. Lenders also closely evaluate:

• Debt-to-income ratio (DTI)
• Employment stability
• Recent credit activity

Even small financial changes before applying can impact your approval outcome.

Address

14530 W Capitol Drive
Brookfield, WI
53005

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