Frank Melia, CMPS

10/05/2026

Think you need 20% down or perfect credit to buy a home? Think again. Learning the facts might bring you closer to homeownership than you realize.

10/05/2026

The Weekly Mortgage Market Update reveals volatility in mortgage bond prices, affecting interest rates. As inflation concerns persist, key upcoming data such as ADP Employment and Trade Data will be crucial in determining future rate trends. Stay informed about our diverse loan programs, including options for irrevocable trusts and reverse mortgages.

https://conta.cc/4y3lnDw

Email from Contour Mortgage Your Mortgage Resource   Frank Melia, CMPS 516-729-3438 Michael Bocelli, CMPS 516-242-4063 Weekly Mortgage Market Update October 5, 2026 LINK TO CONTACT US Ask us about th

10/04/2026

Cash buyers have had the upper hand in real estate for years. A new report suggests this edge is shrinking, which could be good news if you're getting a mortgage.

Cash buyers are a diminishing share of the overall housing market, as more supply and weaker prices give all buyers more purchasing power.

10/01/2026

THOUGHTFUL THURSDAYS 🤔

10/01/2026

Everyone wants to know if now is a good time to buy a home. But that might be the wrong way to look at it; here's why your personal timeline is more important, and what factors to consider instead.

The market's ideal factors might not line up with your own.

09/30/2026

WEALTH WEDNESDAYS 💎

09/29/2026

🏡❤️ “I WAS TIRED OF JUST HAVING ENOUGH TO PAY THE BILLS.

”This recent closing is one that really stayed with me.

Our client is a single woman who never married and has no children. She has worked hard, owns her home here on Long Island, and did the things she was supposed to do to prepare for retirement but retirement wasnt feeling the way she had hoped.

Between the rising cost of living, inflation, property expenses and everyday bills, she found herself constantly watching every dollar. She could pay her bills but she wanted more out of retirement than simply getting by. She wanted to enjoy herself. ❤️

She wanted the freedom to say yes occasionally without immediately worrying about what bill was coming next and she wanted to use some of the wealth she had accumulated in her home to help make that possible.🏡

The challenge? Her home was held in a family irrevocable trust, and she was also very hesitant about a reverse mortgage and thats completely understandable.

So we didnt rush her. We met face-to-face several times. 🤝

We talked. We answered questions. We went through how the reverse mortgage worked, what her responsibilities would continue to be, and how it could fit into her retirement situation.

Most importantly, we gave her the time she needed to become comfortable with her decision. Eventually, she decided it was right for her, and we were able to successfully close her reverse mortgage while working with the existing family irrevocable trust. 🏡⚖️

Today, she’s no longer looking at her home simply as a place to live its also an asset she was able to use to create more financial flexibility in retirement and now she is enjoying something she told us she had been missing:❤️

The freedom to enjoy life instead of constantly worrying about having just enough to pay the bills. That’s what Housing Wealth can mean. It’s not necessarily about spending more sometimes it’s simply about having the financial breathing room to live a better retirement.

09/28/2026

📊 Stay ahead in the mortgage market! Discover insights and loan options in our latest update.
https://conta.cc/4yeMMTW

Email from Contour Mortgage Your Mortgage Resource   Frank Melia, CMPS 516-729-3438 Michael Bocelli, CMPS 516-242-4063 Weekly Mortgage Market Update September 28, 2026 LINK TO CONTACT US Ask us about

09/28/2026

Heated seats, hands-free flushing, self-cleaning bowls and more. Bathroom tech has come a long way, and this list helps compare and contrast some of the most popular options.

We researched the best smart toilets with bidets, heated seats, and self-cleaning features. Find the right model for your bathroom.

09/26/2026

Moving into a new home isn't without its risks. But by taking the proper precautions, you can streamline the process and reduce the likelihood of damaging your furniture. Here's how.

This often-forgotten moving mistake can lead to costly damage, but it’s easy to avoid with the right approach.