Paul Butuc & John Rinaldi

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Paul Butuc & John Rinaldi

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John Rinaldi | Retail Sales Manager | NMLS ID # 22447
Paul Butuc | Retail Sales Manager | NMLS ID # 66815
Branch NMLS ID # 1068120
We are a community-focused mortgage banker, founded under the belief that homeownership is the most

08/27/2026

Showing the credit bureaus that you can handle different types of credit makes up 10% of your total score. It's best to have a mix of revolving accounts, such as credit cards, and installment accounts, like car loans.
https://myoc.io/

Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | For licensing information, go to: www.nmlsconsumeraccess.org | NMLS ID #17022.

08/26/2026

Amortization describes how mortgage payments are applied over time.

Early in the loan:
➡ More of the payment goes toward interest
Later in the loan:
➡ More goes toward paying down the loan balance

Making extra payments toward principal may reduce the loan balance faster.

Interested in seeing an amortization example? Comment “AMORTIZATION.”
https://myoc.io/

Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | For licensing information, go to: www.nmlsconsumeraccess.org | NMLS ID #17022.

08/25/2026

Found "the one" but your current home hasn't sold yet? With Planet Home's Buy Now. Sell Later. program, you can make a strong, non-contingent offer on your next home. Then you can sell your current one on your own timeline, not the market's. No more losing out to a cash buyer. No more missing out on homes you love. Just one more thing less thing standing between you and moving day.
https://myoc.io/

Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | For licensing information, go to: www.nmlsconsumeraccess.org | NMLS ID #17022.

08/20/2026

Pick an emoji, we'll match you with a loan!
Planet has a loan for your unique situation. Reach out to me today to find yours!
https://myoc.io/

Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | For licensing information, go to: www.nmlsconsumeraccess.org | NMLS ID #17022.

08/19/2026

Which home style are you? Swipe through and tally your answers. Then tell me your result in the comments!
https://myoc.io/

Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | For licensing information, go to: www.nmlsconsumeraccess.org | NMLS ID #17022.

08/18/2026

If you had to read it twice, imagine reading your loan documents. That's where I come in. I make sure nothing gets missed and that you not only read all the fine print, but you actually understand it.
https://myoc.io/

Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | For licensing information, go to: www.nmlsconsumeraccess.org | NMLS ID #17022.

07/26/2026

Not every qualified borrower fits traditional income documentation guidelines.

Planet’s Bank Statement Program helps eligible self-employed borrowers qualify using personal or business bank statements instead of traditional tax return income calculations.

A strong financing option for entrepreneurs, contractors, freelancers, and business owners with non-traditional income structures.

Let’s talk through your borrower scenarios.

Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | For licensing information, go to: www.nmlsconsumeraccess.org | NMLS ID #17022.

07/16/2026

Condo financing doesn't have to be confusing.

Recent guideline updates are helping create a more consistent financing process, making it easier to understand what to expect when buying a condo.

Thinking about condo living? Let's talk about your options.

Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | For licensing information, go to: www.nmlsconsumeraccess.org | NMLS ID #17022.

06/29/2026

If a major storm damages your home, the last thing you should be worrying about is how you're going to pay to rebuild.
The FHA 203(h) Disaster Relief Loan was created to help homeowners in disaster areas rebuild.
https://myoc.io/

Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | For licensing information, go to: www.nmlsconsumeraccess.org | NMLS ID #17022.

06/25/2026

Storm prep looks different if you live in a condo.

While the HOA handles the building exterior, your unit (and everything inside) is your responsibility.
https://myoc.io/

Equal Housing Lender. © 2025 Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | For licensing information, go to: www.nmlsconsumeraccess.org | NMLS ID #17022.

Address

265 Broudhollow Road Suite 100
Melville, NY
11747

Telephone

+16315729935

Website

http://www.planethomelending.com/Paul-Butuc, http://www.planethomelending.com/John-Rinaldi

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