David Pereira at Troy City Mortgage LLC MB 1591856

06/15/2026

No phone tag. No waiting rooms. No "we'll call you back."

Apply for a purchase, refinance, or HELOC from your couch — the online application takes minutes, and my team picks it up from there. Over 3,000 families have gone through this process with us. We close in as little as 21 days.

If you've been putting off the conversation, this is the easiest first step.

Start here 👉 https://heyor.ca/k72KWy

Troy City Mortgage LLC | NMLS #6238 | Licensed in MA, RI, CT, NH & FL

06/13/2026

Everyone wants to make the house feel like theirs immediately.
New furniture. Fresh paint. That kitchen upgrade they've been dreaming about.
And then the first utility bill arrives.
And the homeowner's insurance.
And something breaks.

Here's what I tell every buyer before we close:
Live in the home first.
You don't know what you actually need until you've spent 90 days in it.
Negotiate before closing, not after.
Credits, repairs, concessions — that's your leverage window. Use it.
Protect your cash flow like your financial life depends on it.
Because for the next few months, it does.
Furniture can wait. Your emergency fund cannot.
A smart mortgage isn't just about getting you to the closing table.
It's about making sure you're still standing six months later.

The goal was never just to get you into the house.
It was to keep you there.
📞 (508) 207-5864
🌐 troycitymortgage.com

06/10/2026

Most deals don't fall apart dramatically.
They fall apart quietly.

A furniture purchase after pre-approval.
A job change between contract and close.

Money moved between accounts without documentation.
A pre-approval from an online lender who never actually reviewed the file.

None of these feel like mistakes when they happen.
That's exactly what makes them dangerous.

By the time it shows up — it's usually too late to fix it cleanly.
This is why I don't just hand you a pre-approval letter and disappear.

I stay in the file. I ask the uncomfortable questions early. I flag potential problems before they become your problem.

The strategy has to come before the surprise.

If you're working with buyers right now — send them my way before something surprises you at the closing table.
📞 (508) 207-5864
🌐 troycitymortgage.com
Licensed in MA, RI, CT, NH & FL

06/09/2026

June is National Homeownership Month 🏡

A home isn't just four walls — it's stability, equity, and a place that's yours. If you've been on the fence about buying, this is your reminder that the process doesn't have to be overwhelming.

I've helped 3,000+ homeowners get there. I can help you too.

06/05/2026

Don't let a pre-approval number set your budget.

A pre-approval tells you what a lender may approve.

It doesn't tell you what fits comfortably into your monthly life.

Before you start house hunting, make sure you're looking at the full payment:

1️⃣ Principal & Interest
Your actual mortgage payment.

2️⃣ Property Taxes
Two homes with the same price can have very different tax bills.

3️⃣ Homeowners Insurance
Coverage, location, and property type all affect the cost.

4️⃣ HOA Fees
A monthly expense many buyers forget to factor in.

5️⃣ Utilities
Electric, gas, water, internet, and other recurring costs add up quickly.

6️⃣ Maintenance & Repairs
Every homeowner should have a plan for the unexpected.

7️⃣ Future Goals
Will you still be comfortable with this payment if you want to travel, invest, save for college, or grow your business?

The buyers who feel the most confident after closing aren't the ones who bought the most house.

They're the ones who bought a home that fits their budget and their lifestyle.

The question isn't:

"What's the most I can afford?"

It's:

"What's the smartest payment for me?"

Save this for later if you're planning to buy a home this year.

06/03/2026

Most deals don't fall apart at the closing table. They fall apart before it.

Financing issues are the #1 reason contracts get delayed or cancelled. The fix? Work with a lender who's done this 3,000+ times and knows how to keep your deal alive.

Let's talk before you're under contract.
📞 (508) 207-5864 | troycitymortgage.com

Troy City Mortgage LLC | David Pereira, MLO | NMLS #6238 | Licensed in MA, RI, CT, NH & FL

06/02/2026

Self-employed?

Making great money doesn't always mean you'll qualify for a mortgage.

Many business owners are surprised to learn lenders often focus on taxable income—not actual cash flow.

Swipe through to see why—and what you can do about it.

📞 (508) 207-5864

05/29/2026

There’s nothing quite like this moment. Congratulations to our buyers on closing day — watching hard work and patience turn into keys in hand is exactly why we do this. Thank you Yvonne for trusting our team and for being the kind of agent who makes the whole process feel like family. On to the next one. 🏡

Today was one of those moments that reminds me exactly why I love what I do. Getting to hand the keys over to one of my close friends and watching them officially become homeowners was such an emotional and full-circle experience for me. To be trusted with something this important by someone I genuinely care about is an honor I’ll never take lightly.

Seeing your hard work, patience, and dreams finally come together today made me SO incredibly proud and excited for this next chapter of your life.

There is truly nothing better than helping people you love create new memories in a place they can finally call home.

🎉Congratulations again — this is only the beginning, and I’m beyond grateful I got to be part of your journey🎉

.couto

05/27/2026

Most people think a mortgage broker just helps you get a loan.

But the real work goes much deeper than that.

I help buyers understand what they can afford before they start scrolling through listings.

I help first-time buyers understand which documents matter, which numbers to pay attention to, and what steps come next.

I help people relocating or upsizing build a plan that makes the move feel possible instead of overwhelming.

Because getting a mortgage should not feel like you are trying to decode a language no one taught you.

My goal is simple: help you feel informed, prepared, and confident before you make one of the biggest financial decisions of your life.

Buying or relocating this year? Reach out, and I’ll help you map out your next step.

05/26/2026

Are your parents gifting you $$$ for your down payment?

That is incredible.

Now, please do not make it a problem by accident.

Save this.

Here’s how gift funds usually work:

1️⃣ Tell your lender before anything moves.
Do not transfer the money first.
Your lender needs to guide the timing, the account, and the documentation.

2️⃣ You will probably need a gift letter.
It usually includes:

The gift amount
Your relationship to the person gifting it
The property address
A statement that the money is a true gift
Confirmation that it does not need to be paid back

3️⃣ The paper trail matters.
You may need to show:

The donor’s bank statement
Proof the funds left their account
Proof that the funds went into your account or escrow

Cash 👉 no
Mystery deposits 👉 also no
“Don’t worry, it’s from my dad.” 👉 Underwriting still needs proof

4️⃣ Move the money exactly how your lender tells you.
Sometimes it goes to your account.
Sometimes it goes straight to escrow.
Sometimes timing matters more than you think.

Do not guess.

Ask first.

5️⃣ Check the loan program rules.
Some loan types allow the entire down payment to be gifted.
Others may require you to bring some of your own money.

This is why you want to ask early.

6️⃣ Do not forget about reserves.
Even with a large gift, you may still need money left after closing.
Your lender will let you know what your file requires.

7️⃣ Tax note: ask a CPA.
The buyer usually does not pay tax on the gift.
The person giving the gift may need to file a gift tax form depending on the amount.

Again, that is a CPA question, not a “let’s guess on Google” question.

Common gift fund mistakes that can slow everything down:

-Moving the money before talking to your lender
-Using cash
-Sending money through random apps
-Not having a clean paper trail
-Calling it a gift when it is actually a loan
-Waiting until right before closing

Underwriting will ask questions.

Save this before any gift money moves, and share it with someone whose family is helping them buy a home.