David Pereira at Troy City Mortgage LLC MB 1591856

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United States
Fall River, MA
David Pereira at Troy City Mortgage LLC MB 1591856

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I help home buyers save 💰&⏱️
⭐Over 3,000 happy homeowners
Sharing home loan approval strategies
NMLS 6238 | Lic in MA, RI, CT, NH & FL We’re happy to show you!

When it comes to mortgages, David Pereira is all things to all people. Whether you’re a first-time home buyer, refinancing your home, or have another mortgage need, David at Troy City Mortgage can provide your perfect solution. To know David is to love him – his transparency, approachability, and trustworthiness offer a breath of fresh air in today’s mortgage world. He provides face-to-face service, getting to know each client personally. Not to mention, because he has over 20 years of experience and is in the top 5% of mortgage brokers in Bristol County, MA, you can rest assured he knows the industry’s every nook and cranny. With David, you’re not limited to the “inside the box” set of mortgage products many banks provide. He and his talented team have access to countless solutions through dozens of lenders, using their creativity when needed to help clients walk away with keys in their hands. They strive to make the process easy for everyone, working with clients of all income levels and backgrounds. David is passionate about helping his community and is highly recommended by past clients and referral partners. He is a New England Institute of Technology graduate and is licensed in MA, RI, CT, and FL. During his downtime, David enjoys spending time with his two sons, golfing, and BMXing. Services

Conventional loans
Let us find the right rate, monthly payment, and term that suit your mortgage goals. Government loans
Get home with big benefits from a government-backed loan, such as FHA, VA, or USDA. Refinancing
Ready to reduce your rate, save every month, or consolidate debt? Let our experts show your best refinancing options. Home equity loans
Fund your remodel, send the kids to college, or pay for another big expense with the right home equity loan. HARP
If you’re struggling to stay above water, grab hold of your lifeline and refinance with the best HARP loan for you. Reverse mortgages
Supplement your income without selling your home. We’ll explore the reverse mortgage options that can help you reach your goals. Low- to 0-down programs
If you have little or nothing to put down, you can still find your way home with the right low- to 0-down program. Free credit counseling
Don’t let your credit score hold you back. Get in touch for free counseling to improve your credit and become a homeowner before you know it!

11/02/2026

One home buying mistake could leave you financially stressed for YEARS!

Imagine finally getting the keys to your dream home, only to realize your monthly expenses are eating up most of your paycheck.

That's why understanding your buying power BEFORE house hunting matters.

The last thing you want is to fall in love with a home and realize too late that the monthly costs don't fit your lifestyle.

The good news? With the right mortgage strategy and a realistic budget, you can buy a home with more confidence and fewer financial surprises.

Follow me for more practical mortgage and home buying tips!

10/31/2026

I don’t need a haunted house. I have buyer texts. 👻😂

The scariest ones start with “So we went ahead and…”

Before you quit it, finance it, spend it, or pull it out of the gun safe… call your lender. What feels like no big deal can become a very big deal before closing.

You’re never bothering me with a question. I’d much rather get a “Can I?” than a “So I already did…” 💀

10/30/2026

You don't have to wait for rates to hit 3% again to buy a home!

Different mortgage programs and down payment options could make buying more affordable than you think. And if rates drop later, refinancing could be an option too.

I know there's a lot to figure out, but you don't have to do it all on your own.

🏡 DM me and we'll run the numbers together!

10/29/2026

Your credit score plays a big role when it comes to getting a mortgage. 🏡

And it's not just about paying your bills on time. When you pay, how much credit you use, and how you manage your accounts ALL MATTER.

✅ Keep credit utilization below 10%. With a $5,000 limit, aim to report less than $500.

✅ Pay early! If your statement closes on the 20th, pay down your balance by the 18th.

✅ Set up autopay for at least the minimum due. Payment history makes up 35% of a typical FICO Score.

✅ Start with a secured credit card that reports to all 3 bureaus if you're new to credit. Pay in full monthly.

✅ Avoid unnecessary hard inquiries before applying for a mortgage.

✅ Check your credit reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com. Dispute any errors.

✅ Stay consistent! FICO generally requires at least 6 months of credit history to generate a score.

Building your credit early could make your mortgage process easier and smoother.

📩 DM me and I'll help you figure out where you stand!

10/27/2026

You could be leaving money on the table without even realizing it! 🏡

Save these 6 homeowner tax deductions for tax season and check with your tax professional.

Send me a message if you need help with your mortgage!

10/26/2026

Your 401(k) could help you buy a house sooner than you think!

✅ Credit Score - No minimum score for a 401(k) loan, but some mortgage programs may require around 620 or higher.

✅ Employment - Your employer's 401(k) plan must allow loans, and you need enough vested funds.

✅ Mortgage Approval - Your lender may require documentation of the loan and proof of funds.

⚠️ Important - Leaving your job or missing repayments could result in taxes and penalties.

📩 DM me to check your home buying power and mortgage options!

10/26/2026

Choosing where to get your mortgage can affect your interest rate, closing costs, and loan options! 🏡

1️⃣ MORTGAGE LENDER – Offers loans through its own lending programs, rates, and guidelines.

2️⃣ MORTGAGE BROKER – Works with multiple lenders to compare rates, costs, and loan programs.

3️⃣ BANK – Offers mortgages alongside other banking services, with its own loan options and requirements.

Planning to buy a home? DM me BUY and let's find out how much home you could afford! I'm a mortgage broker, and I'm happy to help.

10/26/2026

I get asked this every day, so I put the numbers all in one place! 🏡

See where you stand and save this for later.

These are just estimates. Your actual buying power depends on your credit, debts, down payment, and loan options.

📩 DM me to find out how much home you can afford!

10/24/2026

There's a cost to waiting for lower mortgage rates. 👀

I get it. Everyone wants a better rate!

BUT HERE'S THE THING: If home prices go up while you're waiting, you could end up paying more each month, even with a lower rate.

That's why it's worth exploring your mortgage options now instead of just waiting and hoping rates drop.

🏡 Would you rather pay $3,524 now OR $3,844 later?

Send me a message and we'll run the numbers together!

Address

1777 Pleasant Street
Fall River, MA
02723

Telephone

+15082075864

Website

https://www.troycitymortgage.com/

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