Neil Cremin - Loan Officer

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United States
North Andover, MA
Neil Cremin - Loan Officer

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Delivering customized solutions for Residential Lending since 1999. Residential Mortgage Provider NMLS #905753

What is it that I do? Thank you,

I Look at someone’s situation and see if I can better it through the Refinancing of an existing Mortgage, Pre-Qualification to buy a new Home, or mesh their financial timelines and goals with a Payment and Term that fits into their overall life plan. Please inform those contacts you believe could benefit from having a conversation with me know what I do, how I can be reached, and that I’m available anytime to discuss potentially improving their situation. I look forward to assisting you in the near future. Consultations are free of charge and without obligation. I have been in the Lending Business since 1999. My focus is on delivering customized funding solutions for Residential Lending and establishing long term relationships with my clients. I hope we can discuss how I may be of assistance in the near future.

10/20/2026

5.0 star review received on Experience.com for Neil Cremin by Nancy G - Neil took the time to explain differnt loans to me, which I appreciate. He is also keeping an eye on interest rates for me knowing once it's beneficial to me, that I would be looking to refinance .

10/15/2026

Q. What is the most unanswerable question of a Loan Officer?
A. What's your Rate?

Here are the determining factors needed to give an ACCURATE rate quote:
• Documentation for all verbal statements made
• FICO/Credit History/Debt
• Occupancy (Primary Residence, 2nd Home, Investment property)
• Loan Purpose (Purchase, Refinance Rate amp; Term, or “Cash-Out”)
• Debt-to-Income Ratio (Must have income and credit report info)
• Property Type (Single unit, Multi unit, Condo, Mobile home, or classified as “Unique”
• Loan-to-Value / Combined LTV (Property value & loan amount)
• Loan Program eligibility based on location and all, or most, of the above being verified

There are many programs with differing rate ranges. Asking a Loan Officer to provide you with a rate quote without allowing for the proper validating of your circumstances may result in a disservice to you and the Loan Officer. It may create an unrealistic expectation to be met once the above factors are verified. Please be mindful of this when “Rate Shopping” Lenders over the phone or online on different days while only providing limited pertinent information.

Reach out at any time to discuss in greater detail how your mortgage rate is established.
781-752-9442
[email protected]
NMLS # 905753

10/10/2026

Realtors & Loan Officers:
As we coach up our Buyers/Borrowers about not changing jobs, buying a new car, making large cash deposits, move money around from multiple accounts, or opening any new lines of credit during the home purchase process; It would be a good idea/best practice going forward to include in the discussion that they refrain from participating in any BNPL (Buy Now Pay Later) until after closing.

In the fall of 2025, FICO announced that it would begin using BNPL loans as a means of determining FICO scores for consumers. With loosening federal regulations and the new inclusion of BNPL loans on credit reports, it’s crucial that one takes the time to understand any loan product they’re entertaining and consider how it may affect credit scores and credit availability. In addition, reporting of the BNPL accounts differ from “lender” to “lender” (Installment or Revolving account designation and whether the inquiry will post or not).

A new BNPL account could be harmless, or it could prove to be a problem in the 11th hour of prior to closing processing and credit review due diligence. Probably best to encourage the Buyer/Borrower to not roll the dice.

10/08/2026

5.0 star review received on Experience.com for Neil Cremin by Penny B - Neil is wonderfule to work with. He kept me informed of the steps in the process and was very responsive to my questions. I feel very lucky to have worked with Neil.

Click to see all 50 reviews of Neil Cremin, Senior Loan Officer

"Lace up" by getting preapproved. Reach out today...781-752-9442 ncremin@newfed.com NMLS # 905753https://myloans.newfed...

09/19/2026

"Lace up" by getting preapproved. Reach out today...
781-752-9442 [email protected] NMLS # 905753
[email protected]" rel="ugc" target="_blank">https://myloans.newfed.com/homehub/signup/[email protected]
(Home page for mortgage calculators, market updates/education, and more)

09/18/2026

The Renovation Home Equity loan (Up to 95% of the improved value) is a great tool for those who own and live in the home. Simplified construction lending. Let’s discuss...

781-752-9442 [email protected] [email protected]" rel="ugc" target="_blank">https://myloans.newfed.com/homehub/signup/[email protected]

09/17/2026

Many changes have occurred regarding non-traditional account eligibility for consideration in the establishing, reinforcing, and evaluation of one's overall credit profile; Even the creation of new credit models or hybrid models to compliment the classic "FICO" algorithms for scoring.

There are many ways to leverage these algorithms to make good scores even better. Let's see what your profile looks like today, work on correcting mistakes/surprises, or utilize proven score enhancing techniques to put you in the best position possible to engage in the home purchase process (make an offer, lock in a rate, and close).

NMLS # 905753 [email protected] 781-752-9442
[email protected]" rel="ugc" target="_blank">https://myloans.newfed.com/homehub/signup/[email protected]

09/11/2026

Thinking of all who lost loved ones. Much appreciation to those who served in the face of dire odds; And the inherent humanity displayed by all.

Address

234 Sutton Street
North Andover, MA
01845

Telephone

+16036101811

Website

https://newfed.com/loan-officers/neil-cremin/

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