Larry Minutillo at First American Bank NMLS #503658

09/02/2026

Have you thought about how much equity you’ve built in your home? 🏠

Whether you’re planning a renovation, looking to consolidate debt, or preparing for a major expense, our Home Equity Line of Credit (HELOC) could give you flexible access to funds when you need them and FAST.

I’m always happy to help you understand your options and determine whether it may be a good fit for your goals. Feel free to reach out!

If you're planning a home project, consolidating debt, or tackling a major expense, timing matters.

With a Home Equity Line of Credit from First American Bank, qualified borrowers can be approved in as little as 10 business days*, giving you faster access to the funds you need. Plus, you'll get competitive rates, flexible access to your available credit, and support from a local team that's here to help every step of the way.

Learn how a HELOC can help you put your home's equity to work: https://bit.ly/4zERLyh

*Based on loan amounts of $400,000 or less and internal data; approval times vary depending on credit review, documentation, and property requirements. Subject to credit approval.

08/24/2026

Some buyers spend years waiting for the perfect house: more space, the ideal neighborhood, every item checked off the wish list.

But that's not what a starter home is designed to do.

It's a place to build equity instead of paying rent.
It's a place to create memories.
It's a place that can help position you for your next home down the road.

Many homeowners didn't buy their dream home first. They bought a home that worked for their life at that moment and let time, equity, and experience help them get to the next chapter.

If you've been wondering whether homeownership is possible, let's talk about your options. You may be closer than you think.

08/12/2026

🏡 Got plans for your home? Let’s put that equity to work!

Thinking about a kitchen update, tackling some home projects, paying down higher-interest debt, or simply having extra funds available when you need them?

Our Home Equity Line of Credit (HELOC) special could help make those plans a little easier!

✨ Tap into your home’s equity
✨ Borrow what you need, when you need it
✨ Use the funds for a variety of personal needs

Your home may have more financial potential than you realize.

Message me today and let’s see what options are available for you!

Not every expense hits all at once, and your financing shouldn’t have to either.

With a Home Equity Line of Credit (HELOC), you can borrow what you need, when you need it. Use your home’s equity as a flexible source of funds for projects, expenses, or whatever comes next.

And when you're ready to move forward, you may be closer than you think. Most of our HELOC applications are approved in as little as 10 business days.*

Now through October 30, take advantage of a limited-time HELOC offer with a special introductory fixed rate of 5.99% APR for 6 months; after that, variable rates as low as 6.75% APR**.

See how it works: https://bit.ly/4bjpvHc

*Based on loan amounts of $400,000 or less and internal data; approval times vary depending on credit review, documentation, and property requirements. Subject to credit approval.
**See terms and conditions at the link.

07/22/2026

Refinancing your mortgage could help you save money and improve your loan terms!

There are more things to consider, though, so it would be best to reach out to me first and see if taking the next step makes sense for you.

07/07/2026

Let’s clear up a few common myths about buying a home:

❌ “I need 20% down”
👉 Not true. Many loan programs allow for much less.

❌ “My credit has to be perfect”
👉 You don’t need a perfect credit score to qualify for a mortgage.

❌ “I should wait for rates to drop”
👉 The “perfect time” is when you’re financially ready.

❌ “Pre-qualification and pre-approval are the same”
👉 False. Pre-approval is stronger and gives you a real edge.

❌ “The lowest rate is all that matters”
👉 Fees, terms, and overall strategy matter just as much.

There’s a lot of noise out there. Make sure you’re getting the right information before making one of the biggest decisions of your life.

Have questions? I’m here to help you separate fact from fiction.

06/29/2026

June may be coming to a close, but as we celebrate National Homeownership Month, stories like Beth's remind me why helping people achieve homeownership is so meaningful.

⭐⭐⭐⭐⭐

Beth's journey wasn't a typical one but helping clients like her and her family navigate obstacles and find solutions is why I love what I do.

Homeownership isn't just about buying a home, it's about creating a foundation for the future.

Thank you, Beth, for trusting me to be part of such an important chapter in your family's story. Congratulations on your beautiful home, and thank you for allowing me to help make it possible.

If you've been told "no," or think homeownership isn't within reach, let's have a conversation. You may have more options than you realize!

Homeownership looks different for everyone. For this homeowner, it meant stepping up during a life-changing moment and fighting for something better. 💙

“I was in a 1 in a million situation in my life after suddenly becoming an instant parent to a 20-year-old amazing young woman who has a ‘differbility’… She moved in with me suddenly, into a 1-bedroom condo 4 flights upstairs.”

From that moment on, Beth had one goal: create stability, safety, and a future.

“I had to begin thinking further out of the box ... to ensure her a future of any kind where she could have a forever home after years of housing instability. And most importantly, I needed her to feel she had something that was hers in this crazy world.”

Getting there wasn’t easy. “I started this process with every door closed to us… I honestly found so many obstacles and locked doors. I was about to give up what we needed for just what we could afford.”

With the help of Loan Officer Larry Minutillo at First American Bank NMLS #503658, Beth was able to move forward and find a solution that worked for her family. Today, that effort means more than just a house. It means a bedroom with a door, a sense of belonging, and a place to finally call home. 🏡

Stories like Beth’s remind us that homeownership is about more than buying a house. It’s about creating security, dignity, and a path forward.

Connect with Larry and start your homebuying journey: https://bit.ly/4xaZVxh

Find a Loan Officer near you: https://bit.ly/4awYmzV

06/23/2026

Waiting for the “perfect” interest rate might feel like the smart move but it can actually cost you more in the long run.

Here’s why:

Rates don’t move in a straight line. While you’re waiting for them to drop, home prices can continue to rise due to demand. That means you could end up paying more for the same home, even if the rate improves slightly.

There’s also increased competition. When rates do dip, more buyers jump back into the market, which can lead to multiple offers and higher purchase prices.

The reality? You can refinance a rate later, but you can’t go back and buy a home at yesterday’s price.

If you’re financially ready now, it may be worth exploring your options instead of sitting on the sidelines. Let’s talk through what makes the most sense for you!

06/09/2026

Your neighbor’s home sale is just one piece of the puzzle, not the whole picture.

It’s easy to look next door and assume your home should sell for the same price (or more). But factors like condition, upgrades, layout, timing, and even buyer demand can all impact your home’s true value.

The market shifts, and no two homes are exactly alike, even on the same street.

Pricing your home based on a full market analysis (not just one sale) can make the difference between sitting on the market and selling with confidence.

If you’re thinking about moving, let’s look at the full story, not just the headline number. DM me!

05/18/2026

Your home may be worth more than you think and that equity could be the key to your next big move this spring.

Whether you’re planning renovations, consolidating debt, or just want extra financial flexibility, a Home Equity Line of Credit (HELOC) can help you put your home’s value to work.

Curious what your options look like? Let’s connect and explore what’s possible.

05/12/2026

The market moves. Your rate doesn’t have to.

Once your rate is locked, it’s shielded from day-to-day changes so you can focus on the home, not the headlines. I’ll guide you through when to lock and make sure you’re protected through closing.

Reach out to me to get started!