Team DiOrio.

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Team DiOrio. Licensed Mortgage Banker - NYS Dept. of Financial Services, NMLS # 113791 Equal Housing Lender. BBB At Academy Mortgage Corp., you are our most valued asset.

We have been an integral part of the Long Island, serving the community since 2001… we know the area and our neighbors well! Our loan officers, underwriters, and processors are all on-site, so we can offer an exceptionally fast and efficient process that is second to none. It is the personal touch and reassurance that separates us from other lenders. We are a Licensed Mortgage Banker with the New York State Department of Financial Services and a FHA Direct Mortgage Lender. We offer expertise on a variety of products:
• Conventional Loans
• Direct Lender for FHA Insured Loans
• Reverse Mortgages
• VA Mortgages
• FHA 203K Rehabilitation Mortgages
• Investment Property Mortgages
• Second-Home Mortgages
• Low Down Payment Loans
• Low Closing Cost Loans
• Condo and Coop Loans

10/17/2026

The first step can feel a lot bigger when you’ve never taken it before. 🏡
Buying a home comes with plenty of questions, unknowns, and maybe a little “Am I actually ready for this?” That doesn’t mean the answer is no.
Start with a conversation. Learn what’s possible. Get clear on the numbers. You don’t have to commit to anything just because you asked the question.
Sometimes knowing your options is what makes it feel less scary.

You’re approved, you found the house, and closing is getting closer. But there are still a few things that can change th...
10/15/2026

You’re approved, you found the house, and closing is getting closer. But there are still a few things that can change the numbers along the way.

Taking on new debt, changing jobs or how you’re paid, and making large or unusual money transfers can all create questions during the loan process.

It doesn’t automatically mean your loan is in trouble. Sometimes your lender may just need additional documentation—but depending on the change, it could also affect your qualification.

The easiest rule to remember? Before you finance it, change it, transfer it, or deposit it, check with your lender first.

A little communication now can help keep the road to closing a whole lot smoother.

10/15/2026

Closing day isn’t really the ending—it’s where the good part begins.
After the documents are signed and the keys are yours, those empty rooms start filling with furniture, laughter, traditions, celebrations, and everyday life.
That’s when four walls stop being just a property and start becoming your home.

You handed over the earnest money… now what?During the transaction, that deposit is generally held by the party specifie...
10/13/2026

You handed over the earnest money… now what?

During the transaction, that deposit is generally held by the party specified in your purchase agreement. If everything moves forward to closing, it’s typically credited toward the amount you owe at closing.

But if the deal falls through, things aren’t always as simple as “you get it back.” Your contract, contingencies, deadlines, and the reason the transaction ended can all matter.

The takeaway: know what protects your deposit before you put it down.

10/13/2026

“I’ll just use the rent to help me qualify.”
Potentially! But there’s a little more to the story.
Rental income can sometimes be considered during mortgage qualification, but how it’s documented and calculated can vary depending on the situation.
Don’t assume the full rent automatically becomes qualifying income.

10/09/2026

Turns out being a loan officer sounds absolutely wild when you explain it like this.

We ask a LOT of questions—but every document, number, and awkward financial conversation helps us understand the bigger picture.

Mortgage lending: totally normal job. Questionable description

A lower rate sounds great—but that doesn’t automatically mean refinancing makes sense.One number worth checking first is...
10/08/2026

A lower rate sounds great—but that doesn’t automatically mean refinancing makes sense.

One number worth checking first is your break-even point: approximately how long it could take for your monthly savings to make up for the costs of refinancing.

If your refinance costs $6,000 and you save $250 per month, for example, your break-even point would be about 24 months.

That number matters because your plans matter. If you expect to keep the new loan well beyond the break-even point, you have more time to benefit from the savings. If you may sell or refinance again sooner, the math could look very different.

The rate gets the attention. The full numbers tell you whether the refinance actually fits your goals.

10/08/2026

Loan officer hours: apparently, whenever the mortgage needs me.

That rental income looks great—but your lender may see the numbers a little differently.Rental income may help you quali...
10/06/2026

That rental income looks great—but your lender may see the numbers a little differently.

Rental income may help you qualify for an investment property, but how much can be counted depends on the loan, documentation, and your situation.

That’s why it’s important to understand the financing before you fall in love with the investment.

Know the numbers first. Then start shopping.

It’s easy to build your home search around beautiful kitchens, extra bedrooms, big backyards, and everything that looks ...
10/02/2026

It’s easy to build your home search around beautiful kitchens, extra bedrooms, big backyards, and everything that looks great in listing photos.

But the better question is: Does this home actually fit the life you’re planning?

Think about how long you expect to stay, the space you’ll realistically use, your monthly budget, commute, future plans, and the other financial goals you don’t want to put on hold.

The right home doesn’t have to be the one with the most impressive features. It should be the one that makes sense for your lifestyle and your numbers.

Buy for the life you want to live—not just the listing you want to save.

Address

105 Conklin Street
Farmingdale, NY
11735

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 10am - 4pm

Telephone

+15162494800

Website

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