Matt Silverman - NMLS 11251 - Mortgage Unity LLC

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Matt Silverman - NMLS 11251 - Mortgage Unity LLC Loan Officer, Mortgage Unity. NMLS 11251 MA, NH, ME, CT, RI, FL

What usually hurts self-employed credit is not one big event, but a small oversight that repeats during a busy month. A ...
10/17/2026

What usually hurts self-employed credit is not one big event, but a small oversight that repeats during a busy month. A freelancer who pays vendors on time but forgets a personal loan draft can create a red flag just when the file is being reviewed for FHA, VA, or conventional financing. The fix is simple: align due dates with cash-flow cycles and verify every account is current before starting the mortgage process. Walk through the steps. https://bit.ly/4b7ddl1

What happens if two offers have the same rate but different terms? One may include points, a rate lock, or lender credit...
10/16/2026

What happens if two offers have the same rate but different terms? One may include points, a rate lock, or lender credits, and those details can shift what you pay at closing and how long the loan makes sense to keep. A practical check is to compare the Loan Estimate line by line, then ask which fees are temporary and which stay with the loan.

What trips up many first-time buyers is waiting until the last minute to fix avoidable credit issues. For an FHA loan, t...
10/15/2026

What trips up many first-time buyers is waiting until the last minute to fix avoidable credit issues. For an FHA loan, the smarter move is to review your report early, pay down revolving balances where possible, and keep new credit inquiries to a minimum while you shop. That simple prep can make the approval process much smoother. Walk through the steps. https://bit.ly/4ftCgQu

A buyer with student loans and a steady W-2 job may be closer than they think, but the first step is getting the file or...
10/14/2026

A buyer with student loans and a steady W-2 job may be closer than they think, but the first step is getting the file organized. Pull recent pay stubs, W-2s, and account statements before pre-qualification so the lender can spot issues early, like unexplained deposits or a debt payment that needs to be documented.

A buyer deciding between a downtown condo and a house with a yard should start with the loan type, not the listing photo...
10/13/2026

A buyer deciding between a downtown condo and a house with a yard should start with the loan type, not the listing photos. FHA can be a fit when the down payment is limited, while VA and USDA each have their own property and eligibility rules, so the first step is to match the home search to the program before making an offer.

A common mistake is assuming every loan file is judged the same way. A first-time buyer with W-2 income, student loans, ...
10/12/2026

A common mistake is assuming every loan file is judged the same way. A first-time buyer with W-2 income, student loans, and a small gift from family may need different documentation than someone using VA benefits or a self-employed buyer filing 1099s and a 1040. Getting the paperwork lined up early can prevent last-minute underwriting delays.

A common VA myth is that extra principal payments are the only way to make progress. A veteran borrower can also ask the...
10/11/2026

A common VA myth is that extra principal payments are the only way to make progress. A veteran borrower can also ask the servicer how to label the payment so it applies to principal only, since some systems default to the next due date instead. That small detail matters when the goal is to reduce interest over time without accidentally creating a payment timing issue.

A veteran comparing two homes should compare more than the list price. VA buyers still need room for closing costs, insp...
10/10/2026

A veteran comparing two homes should compare more than the list price. VA buyers still need room for closing costs, inspections, repairs, and any lender-required reserves, so a clean preapproval based on a full document review helps keep the offer realistic instead of stretched.

One common mistake is assuming every first-time buyer needs a large cash reserve before starting the process. FHA is oft...
10/09/2026

One common mistake is assuming every first-time buyer needs a large cash reserve before starting the process. FHA is often reviewed alongside the rest of the file, including W-2s, gift letters, and how long money has been in the account, which can change what a lender asks for next. Compare this to your situation. https://bit.ly/4xwFjyA

If a home inspection finds roof, plumbing, or electrical issues, the next step is not guessing at repairs. Put the findi...
10/08/2026

If a home inspection finds roof, plumbing, or electrical issues, the next step is not guessing at repairs. Put the findings in writing, then let the repair request focus on the items that affect safety, financing, or future maintenance. Buyers using FHA or VA loans should pay extra attention to any condition items that could affect the loan file.

Address

67 Forest Street Suite 272
Marlborough, MA
01752

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 8am - 5pm
Sunday 8am - 5pm

Telephone

+19785908200

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