Mortgages by Melissa

Mortgages by Melissa Wife 30+ Proud Mother of (2), Gigi (3) - Mortgage Maker - Guiding Clients through Seamless Mortgage NMLS #6606 Broker Solutions Inc.

Melissa Mason
Branch Manager NMLS # 7058 New American Funding. dba News American Funding #6606 Equal Housing Opportunity. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License. To make an appointment please book a time on my calendar click this link: https://calendly.com/m_mason

You've seen this graphic. Now let's talk about what buyers can actually do.Since mandatory full condo reviews went into ...
08/26/2026

You've seen this graphic. Now let's talk about what buyers can actually do.

Since mandatory full condo reviews went into effect August 3rd, I've been getting questions about what this means for people currently under contract or searching for a condo.

Here's what you need to know:

✅ Get your lender involved BEFORE you fall in love with a condo. A quick call can flag potential HOA issues before you're emotionally invested.

✅ Ask the listing agent upfront: What % is the HOA putting into reserves? If they don't know, that's a red flag.

✅ Budget extra time. Condo reviews now take longer. If you have a closing deadline, plan accordingly.

✅ Don't assume approval. A fully qualified buyer can still lose a deal because of the condo project itself — not their finances.

I've had clients go through 10 business days waiting on documents only to find the HOA isn't financeable. That's 10 days of stress that could've been avoided.

If you're shopping for a condo in CT, NY, NJ, MA, RI, FL, or GA — DM me before you go under contract. Let's get ahead of it.

— MM The Mortgage Maker

Wisdom WednesdayYou've navigated the mortgage process, survived inspection negotiations, and made it to closing. The las...
08/26/2026

Wisdom Wednesday

You've navigated the mortgage process, survived inspection negotiations, and made it to closing. The last thing you want is a move-day disaster because you didn't vet your mover.

Four questions to ask before you sign anything:

1. What's included in the quote? Packing materials, loading, mileage, unloading — get it itemized. Vague quotes lead to surprise invoices.

2. Are you licensed and insured? Legitimate movers carry FMCSA licensing (for interstate) or state-level licensing. Always verify. Always ask for proof of insurance.

3. How do you handle damages? Ask specifically about their claims process, timeline, and coverage limits. Get it in writing before move day, not after.

4. Are there additional fees? Long carries, flights of stairs, oversized or heavy items, fuel surcharges — these are real. Know about them before you book.

My clients work hard to reach closing day. A little homework on the moving side protects everything they've built.

— MM The Mortgage Maker

Let's put today's rates in perspective.People see 6.57% and assume it's bad. But look at that chart. In 1980, rates hit ...
08/25/2026

Let's put today's rates in perspective.

People see 6.57% and assume it's bad. But look at that chart. In 1980, rates hit 13.7%. In 1990, 10.1%. The 3% era of 2020 was the exception — not the rule.

Here's the thing nobody talks about: buyers who waited for "perfect rates" in previous decades still bought homes. They built equity. They built wealth. They refinanced when rates dropped.

The buyers who lose are the ones who keep waiting while home prices keep climbing.

If you've been on the fence, let's talk through your actual numbers. You might be closer than you think.

DM me or drop a comment below. 👇

— MM The Mortgage Maker

Welcome home felt like everything. 🏡After months of searching, this Norwalk family finally got the keys and the space th...
06/26/2026

Welcome home felt like everything. 🏡

After months of searching, this Norwalk family finally got the keys and the space they dreamed of. Melissa helped them stay confident through every step, from pre-approval to closing day.

Looking for your own homecoming story? DM me and let’s talk about your next move.

SELF-EMPLOYED? READ THIS FIRST.You do NOT need a traditional W-2 to qualify for a mortgage. There are loan options that ...
06/25/2026

SELF-EMPLOYED? READ THIS FIRST.

You do NOT need a traditional W-2 to qualify for a mortgage. There are loan options that can use tax returns, bank statements, and other income documentation.

If you own a business, freelance, or earn 1099 income, let’s talk through your options. DM me and I’ll help you see what may be possible. 💪🏡

Address

71 East Avenue Suite O
Norwalk, CT
06851

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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