Neil Cremin - Loan Officer

06/07/2026

Investors & non-QM lending availability:

-Low Cash Purchase options or Easy/Low Doc Refinance options (Pull equity out or recuperate liquidity from a cash purchase).

-The non-QM space provides many options for quick closings or liquidity through lower documentation requirements, less stringent qualifying requirements for the borrower & property, and greater accommodation for a self-employed/variable income borrower.

Let’s discuss products, partnering, and potential…
Neil Cremin nmls # 905753
[email protected]
781-752-9442

06/04/2026

NewFed Mortgage is excited to launch our Summer Smash Promotion, designed to help our borrowers save money.

Promotion Period: Loans locked until July 4, 2026 on purchase transactions up to the standard conforming loan amount.

Promotion Benefit:
Eligible borrowers will receive a 25-basis point discount as a pricing improvement (.25 of points cost reduction for a rate) OR lender credit toward closing costs = $250 per $100,000 borrowed.

Eligible Loans:
Conventional
FHA
VA
USDA

Our goal is simple: help more families get into homes this summer while creating additional value for our borrowers in a competitive market.

Let's discuss getting preapproved, other benefits of partnering with NewFed Mortgage, and making a home purchase a little easier on your wallet.
781-752-9442
[email protected]
NMLS905753

05/24/2026

REMINDER: Upcoming changes for condo associations in 2026:
(In case you haven’t reached out to the HOAs or Property Managers)*
-Limited Review Process: Starting August 3, 2026, the "limited review" process for condo sales will be discontinued, meaning nearly all sales will require a full review.
-Reserve Funding Requirement: Associations must dedicate at least 15% of their annual budgets to reserves by January 4, 2027, which is an increase from the previous requirement of 10%.
-Financial Oversight: Associations will need to provide more documentation and coordination, leading to potentially longer sales processes.
-Insurance Requirements: New rules will require associations to maintain insurance at replacement cost, with a per-unit deductible capped at $50,000 effective July 1, 2026.
-Investor Limits: The 50% investor concentration limit has been removed, making it easier for new projects to qualify for financing.
These changes aim to enhance financial stability and oversight in condo associations, impacting both buyers and sellers. Short term, we will see more “non-warrantable” designations per agency guidelines making the non-QM product space an arrow that must be in your LO’s quiver. Let’s discuss… 781-752-9442 [email protected]
*It’s beyond surprising how many HOAs & Property Management Companies have not been keeping up with or adhering to the existing agency guidelines.
View full changes: https://lnkd.in/ehhg-kQq

Neil Cremin NMLS # 905753
NewFed Mortgage, Corp NMLS # 1881 / Equal Housing Lender
We are the partner you can trust = Impeccable BBB rating & 5 Star Lender Status

This link will take you to a page that’s not on LinkedIn

05/22/2026

We don't know them, but we owe them all.

05/19/2026

We are the partner you can trust...
-Realtors instantly recognize the reputation behind the logo on your pre-approval letter.
-Listing Agent & Buyer representation know you have been well vetted, are backed by decades of 5-Star performance, and that you are in good hands from viewing to closing.
-Allow me pleasure of illustrating this through action, earn your confidence, and ultimately the trust to refer a friend, family member, or colleague.

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

05/02/2026

This is a HUGE opportunity for eligible buyers with Mass Housing, but for a limited time... Let's discuss how you can maximize your purchasing power through of this program.
781-752-9442
[email protected]
NMLS # 905753

04/29/2026

Keep your eyes on these impressive soon to be professionals in the fields of Real Estate, Financing, and Lending. It was an honor to assist these already highly credentialed students and engage with their eager minds. Kudos to UMASS Lowell and the Manning School of Business for instituting and supporting the RENA & Finance Society to provide students a head start and greater focus on these career paths. Thank you to all involved for being such hospitable hosts.

Grateful to help bring this Mortgage Banking Workshop to Manning School of Business, UMass Lowell during my final weeks as a senior studying Finance with a minor in Economics. Thank you to UMass Lowell Real Estate Network Association and Finance Society UML for giving students access to opportunitie...

04/15/2026

NewFed Mortgage offers home financing designed for self-employed borrowers and their unique income documentation challenges (Especially during this time of the year). Let's talk about how you can use bank statements instead of tax returns to qualify for a mortgage. There are other low doc options we can explore and see what pairs best with your scenario.
​Neil Cremin - Loan Officer
​NMLS # 905753
781-752-9442
[email protected]

04/09/2026

Are you self-employed, a business owner/partner, or a W2 employee with a variety of income streams? And 4/15 may, or may not, be your filling date? Options do exist to get the liquidity needed from a property owned or to purchase another. Let's discuss... 781-752-9442
NMLS # 905753
[email protected]
https://lnkd.in/eKFsjnf8

04/08/2026

An oldie but a goodie = The Buydown

"Brought them down $10,000 from the sales price"... Nice story to tell at the neighborhood Beer-B-Q. The real savings is in the monthly payment... Discuss a seller concession vs. price reduction with your realtor when negotiating. A seller credit keeps more cash in your account at close and going forward. Let's discuss...

[email protected]
781-752-9442
NMLS # 905753