Marisol Ruiz Mortorano - Guaranteed Rate Inc NMLS # 2491869

04/24/2026

Did you know? a reverse mortgage can help homeowners age 62+ convert a portion of their home equity into cash — with no required monthly mortgage payment on the loan balance as long as they meet loan obligations.

It may be a helpful option for supplementing retirement income, covering expenses, or creating more financial flexibility.

04/20/2026

11/04/2025

The State of Hispanic Homeownership Report®️ is a publication of the National Association of Hispanic Real Estate Professionals®️. The report is an industry benchmark that coalesces a broad cross-section of data and research from within and outside of the housing industry.

10/21/2025

08/31/2025

This One Decision Could Build Generational Wealth

Homeownership isn’t just about a roof over your head—it’s about creating a legacy. 🌱

When you buy a home, you’re not just paying a mortgage…
You’re building equity.
You’re locking in stability.
You’re investing in your family’s future.

And here’s the best part:
You don’t need perfect credit or a massive down payment to make it happen.

At The Impact Lending Team, we guide everyday people—especially first-gen buyers and those with credit challenges—through the process with:

💥 Our Pivot 2 Purchase program: credit readiness + personalized homebuying strategy
💰 NJHMFA Down Payment Assistance Program: up to $15,000 toward your down payment and closing costs
👨‍👩‍👧‍👦 Real advice, real support, and real solutions

Generational wealth doesn’t start “someday.” It starts with one decision—and one conversation.

📞 Book a call and let’s map out your path:
👉 https://theimpactlendingteam.com/calendar
📘 Learn more about Pivot 2 Purchase: https://theimpactlendingteam.com/pivot-2-purchase

08/30/2025

You Don’t Need Perfect Credit to Buy a Home 🧩

Let’s clear something up once and for all:

❌ You don’t need a 750+ credit score to become a homeowner.
❌ You don’t need to have it all figured out before starting the process.

✅ What you do need is a plan.
✅ And a team that knows how to help you execute it.

That’s where The Impact Lending Team steps in.

Our Pivot 2 Purchase program was built specifically for buyers who have less-than-perfect credit—but big goals. We use tools like credit simulators, personalized action plans, and mortgage-readiness timelines to help you take the guesswork out of getting approved.

And when you're ready?
You might be eligible for up to $15,000 in down payment assistance through the NJHMFA program—a massive head start toward your first home.

🎯 You don’t have to be perfect. You just have to get started.

📞 Let’s talk about where you are now—and how we’ll get you where you want to be:
👉 https://theimpactlendingteam.com/calendar
📘 Explore Pivot 2 Purchase: https://theimpactlendingteam.com/pivot-2-purchase