Matt Silverman - NMLS 11251 - Mortgage Unity LLC

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

Before you fold other balances into a mortgage, check whether the new loan type fits the property and occupancy rules. F...
09/02/2026

Before you fold other balances into a mortgage, check whether the new loan type fits the property and occupancy rules. FHA, VA, USDA, and conventional loans each have different guidelines, and a refinance file still has to clear income, assets, and credit just like a purchase. Walk through the steps. https://bit.ly/4b59X9O

What usually slows a purchase down is not the house hunt, but missing paperwork. A buyer with side income, a recent move...
09/01/2026

What usually slows a purchase down is not the house hunt, but missing paperwork. A buyer with side income, a recent move, or funds in more than one account should gather two months of statements, tax returns, and any explanation letters before the file goes in. That simple step helps the process move more smoothly once underwriting starts.

What catches many first-time buyers off guard is gift money. If a relative is helping with closing funds, get the gift l...
08/31/2026

What catches many first-time buyers off guard is gift money. If a relative is helping with closing funds, get the gift letter and transfer trail ready early so the paperwork matches the bank deposit and does not slow the file later.

A buyer with student loans and a few 1099s may look very different on paper than a W-2 borrower, so the first step is ga...
08/30/2026

A buyer with student loans and a few 1099s may look very different on paper than a W-2 borrower, so the first step is gathering the right documents before shopping. A lender can help sort whether FHA, conventional, or another option fits the file instead of guessing after you find a home.

Before choosing a cash-out refinance, check whether the goal is renovation, tuition, or consolidating a few balances. If...
08/29/2026

Before choosing a cash-out refinance, check whether the goal is renovation, tuition, or consolidating a few balances. If the existing loan has a favorable term, a second-lien option may let the first mortgage stay in place while the equity is tapped. A common mistake is skipping the lien review and only looking at the headline payment structure. Walk through the steps. https://bit.ly/4b59X9O

A first-time buyer can get tripped up by the wrong upgrade order. If you're planning to move in soon, start with changes...
08/28/2026

A first-time buyer can get tripped up by the wrong upgrade order. If you're planning to move in soon, start with changes that are easy to document and low risk for underwriting, like replacing old bulbs or swapping fixtures, then save bigger projects for after closing. That keeps your focus on the loan file while still making the home more efficient.

Before a VA file goes to underwriting, one common miss is the Certificate of Eligibility. Another is assuming every debt...
08/27/2026

Before a VA file goes to underwriting, one common miss is the Certificate of Eligibility. Another is assuming every debt has to be paid off first; the review is more nuanced than that, especially when residual income and compensation history are involved. A complete document set can keep the file moving. Compare this to your situation. https://bit.ly/4wiC6CU

A common first-buyer mistake is waiting until after an offer is accepted to gather paperwork. If income comes from a mix...
08/26/2026

A common first-buyer mistake is waiting until after an offer is accepted to gather paperwork. If income comes from a mix of W-2s and 1099s, or there was a recent job change, getting those documents organized early can prevent delays later. A lender can also help identify whether FHA, conventional, or down-payment assistance fits the file before house hunting starts.

The inspection phase is where first-time buyers often learn the most, especially on older homes with roof, plumbing, or ...
08/25/2026

The inspection phase is where first-time buyers often learn the most, especially on older homes with roof, plumbing, or electrical concerns. Read the report line by line, then ask which items are safety issues, which are maintenance, and which are negotiation points before deciding what to request from the seller.

Think in steps, not in perfection. A homebuyer using FHA, VA, USDA, or conventional financing can make progress by check...
08/24/2026

Think in steps, not in perfection. A homebuyer using FHA, VA, USDA, or conventional financing can make progress by checking one item at a time: credit report, income documents, asset statements, then the loan program that fits the file. The common mistake is waiting until after house hunting starts to organize the paperwork.

Address

67 Forest Street Suite 272
Marlborough, MA
01752

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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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