Trevor Levine - Mortgage Broker NMLS# 1872222

Trevor Levine - Mortgage Broker NMLS# 1872222 Mortgage Broker, specializing in FHA, USDA, VA and Conventional home loans. The client's needs and prosperity are the number one priority.

Always determined to find clients the right program to get them into their dream home. Premise Mortgage LLC is a locally owned mortgage brokerage providing personalized home financing solutions for buyers and homeowners across Massachusetts and Florida. We specialize in residential purchase loans, refinancing, and home equity options, offering access to multiple lenders so clients can compare rates, terms, and strategies tailored to their financial goals. Our services include first-time homebuyer programs, conventional, FHA, VA, USDA, and jumbo loans, refinance strategies to lower payments or access equity, and expert guidance throughout the entire mortgage process — from pre-approval to closing. At Premise Mortgage, our focus is education, transparency, and building long-term relationships by helping clients make confident, informed home financing decisions.

Rest, recharge, and enjoy the day—you’ve earned it!
09/05/2026

Rest, recharge, and enjoy the day—you’ve earned it!

Today we celebrate the value of hard work and dedication.
09/04/2026

Today we celebrate the value of hard work and dedication.

Before you buy that condo…you need to investigate something most buyers overlook.The HOA.Because you're not just buying ...
08/31/2026

Before you buy that condo…you need to investigate something most buyers overlook.

The HOA.

Because you're not just buying a condo.

You're buying into years of financial decisions made by people you've probably never met.

And with aging buildings and insurance costs putting more pressure on associations, those decisions could eventually become YOUR bills.

Here are 4 things I would investigate before buying:

1️⃣ Upcoming Projects

Ask what's planned for the next 3–5 years.

Roofs, siding, balconies, paving, pools, elevators, etc.

Then ask the million-dollar question:

How are they going to pay for it?

If the association doesn't have enough money saved, the answer could eventually be the homeowners.

2️⃣ Reserves

Ask for the reserve study.

A reserve fund is essentially the association's savings account for major future expenses.

Compare what the study recommends the HOA save each year against what it's ACTUALLY putting aside.

A big shortfall deserves attention.

And here's something many buyers don't know:

The condo association's finances can potentially affect your ability to get a mortgage.

Lenders don't just evaluate YOU.

With a condo, they may also need to evaluate the PROJECT.

You could have excellent credit, good income and plenty of money…

…and still encounter a financing problem because of issues with the association.

3️⃣ Insurance Claims & Lawsuits

Ask about recurring water claims, construction disputes, pending litigation and major insurance increases.

One incident may not tell you much.

A pattern might.

4️⃣ What's the HOA actually like?

Talk to residents.

Read board minutes.

Walk around the development.

Is maintenance being handled?

Is the board responsive?

Are owners constantly complaining?

And don't assume today's rules will always be tomorrow's rules.

HOA rules can change after you purchase.

Bottom line:

Don't just inspect the condo.

Inspect the association you're buying into.

That beautiful condo could come with financial baggage you never expected.

Thinking about buying a condo?

Comment “CONDO” or send me a message before you make an offer. Let's talk about what could impact your financing.

Premise Mortgage, LLC
NMLS #1872222
781-650-0864

HOW TO NOT DROWN IN A MORTGAGE.Here’s something every homebuyer needs to understand:Just because you're pre-approved for...
08/26/2026

HOW TO NOT DROWN IN A MORTGAGE.

Here’s something every homebuyer needs to understand:

Just because you're pre-approved for $400,000 doesn't mean you should spend $400,000.

A mortgage pre-approval is largely based on your gross income and the debts that must be counted for qualification.

But there’s a problem...

You don't live on your gross income.

Let's say you're approved for a home with a $3,330 monthly housing payment and your total debt-to-income ratio is 45%.

On paper, you may qualify.

But taxes, insurance deductions, retirement contributions and other payroll deductions can make your actual paycheck significantly smaller.

And here's the BIG one:

Your mortgage approval doesn't create a complete household budget for:

-Gas
-Utilities
- Groceries
- Cell phone
- Transportation
- Restaurants
- Entertainment
- Clothing
- Savings
- Home repairs..and everything else life throws at you.

That's how someone can be approved for a mortgage and still end up house broke.

So before you decide how much house to buy, do something simple:

Pull your last 2 months of bank and credit-card statements and figure out what you ACTUALLY spend each month.

Then calculate:

Take-home pay
– Proposed housing payment
– Monthly debts
– Real-life expenses
= What's actually left

That last number matters.

Because the goal isn't to buy the biggest house a lender says you can qualify for.

The goal is to buy a home AND still have a life.

If you are living paycheck to paycheck, that is not living. That's surviving.

If you're buying a home, I'll help you understand both your maximum approval and a payment that fits your actual budget.

Message me “BUDGET” and let's run the numbers.

Trevor Levine
Premise Mortgage, LLC
NMLS #1872222
781-650-0864

08/25/2026

Uncle Sam's $40 Trillion Tab Is Living Rent-Free in Your Mortgage Payment.

Everyone keeps blaming the Fed...But there's another reason mortgage rates are staying high that almost nobody is talkin...
08/24/2026

Everyone keeps blaming the Fed...

But there's another reason mortgage rates are staying high that almost nobody is talking about.

America just crossed $40 TRILLION in national debt.

Here's why that matters...

When the government borrows more money...

Investors demand higher returns.

Higher bond yields...

Higher mortgage rates.

That means:
- Higher monthly payments
- Less buying power
- Fewer homes people can afford
- Builders forced to keep offering incentives

Here's the part most buyers miss...

Waiting for rates to magically fall could mean paying more for the house later if home prices continue rising.

The better strategy?

Know your financing options.

As a mortgage broker, I have access to programs many buyers don't even know exist—from temporary buydowns to specialized loan products that can make today's payments much more manageable.

Don't let headlines make your decision.

Make an informed one.

Send me "RATE" and I'll show you strategies that can lower your monthly payment—even in today's market.

Trevor Levine
Premise Mortgage, LLC
NMLS #1872222
781-650-0864

Most people think you have to already be earning the income to qualify for a mortgage.Not always.Here's an FHA guideline...
08/19/2026

Most people think you have to already be earning the income to qualify for a mortgage.

Not always.

Here's an FHA guideline that could make a huge difference for someone changing jobs or retiring.

If your new job is guaranteed to begin within 60 days of closing, FHA may allow you to use that expected income to qualify.

The lender must document:
A written verification from the employer
The amount of the expected income
Confirmation that employment is guaranteed to begin within 60 days of closing

The same concept applies to retirement income.

If your retirement benefits are verified and guaranteed to begin within 60 days of closing, FHA may allow that income to be used as well.

One important exception...

Expected income from a family-owned business cannot be used.

The lesson?

Don't assume you have to wait until your first paycheck to buy a home.

Sometimes the guidelines are more flexible than people realize.

If you're starting a new job or preparing to retire, let's discuss your options before you put your home search on hold.

📞 781-650-0864

Premise Mortgage, LLC
NMLS #1872222

Want to help your son, daughter, or another loved one buy their first home? Read this first.One of the biggest FHA misco...
08/15/2026

Want to help your son, daughter, or another loved one buy their first home? Read this first.

One of the biggest FHA misconceptions I hear is:

"If Mom or Dad co-signs, we'll need a huge down payment."

Not always.

If your non-occupying co-borrower is a family member, FHA still allows as little as 3.5% down.

That family member must be:
✔️ A U.S. citizen or have a principal residence in the United States.

FHA's definition of family is broader than many people realize and includes:
• Parents
• Children
• Brothers & sisters
• Grandparents
• Aunts & uncles
• In-laws
• Domestic partners

Here's where many buyers get surprised...

If the non-occupying co-borrower isn't family, FHA limits financing to 75% loan-to-value, meaning you'll need 25% down.

That one guideline can completely change your home buying strategy.

Don't rely on what you've heard from friends or social media. FHA guidelines have nuances that can save—or cost—you thousands.

Thinking about buying with help from a family member? Let's talk.

Premise Mortgage, LLC
NMLS #1872222

Can a Veteran use a VA loan to buy a house with someone who ISN’T their spouse?YES.And this is one of those VA guideline...
08/12/2026

Can a Veteran use a VA loan to buy a house with someone who ISN’T their spouse?

YES.

And this is one of those VA guidelines that a lot of homebuyers never hear about.

It’s called a VA Joint Loan.

For example:

Veteran + girlfriend/boyfriend
Veteran + fiancé/fiancée
Veteran + family member
Veteran + friend
Veteran + another Veteran

Here’s the catch…

If the co-borrower is a non-Veteran, VA only guarantees the Veteran’s portion of the loan.

That changes a few things.

A down payment is generally required on the non-Veteran’s portion.

The Veteran must qualify for their portion of the housing payment using their own income and debts.

The non-Veteran does NOT have to occupy the home, but the Veteran does.

The VA Funding Fee, when applicable, is calculated on the Veteran’s portion, not the non-Veteran’s portion.

VA prior approval is required before closing.

And here’s an important qualification detail:

The Veteran’s income can potentially help compensate for insufficient income on the non-Veteran’s portion.

But the reverse isn’t true.

The Veteran still has to qualify for their portion using their own income and debts.

VA loans have a lot more flexibility than people realize.

The key is knowing the guidelines — and knowing how to structure the loan correctly.

I’ll break down the down-payment calculation and VA Funding Fee calculation next.

Know a Veteran who might benefit from this?

Tag them or share this post with them.

08/07/2026

Think you don't have enough money to buy a home? You might already own your down payment.

Most buyers think the only money that counts toward closing has to be sitting in a savings account.

Not true.

If you're using an FHA loan, you may be able to sell personal property you already own to help cover your funds to close.

We're talking about items like:
A vehicle
A motorcycle or ATV
A boat
Coin or stamp collections
Other valuable collectibles

FHA allows proceeds from the sale of personal property to be used toward your funds to close—as long as the sale is properly documented.

Documentation includes:
• A reasonable estimate of the item's value (dealer valuation or qualified appraisal)
• Bill of Sale
• Proof you received the funds
• Proof the money was deposited into your account

One important note: FHA will use the lower of the estimated value or the actual sales price when calculating available assets.

The takeaway?

Don't assume you're short on funds until you've spoken with an experienced mortgage professional. There may be financing options you didn't know existed.

Have questions about buying with an FHA loan? Send me a message or call 781-650-0864.

Premise Mortgage, LLC
NMLS #1872222

Address

Services Available In:
Pembroke, MA
02359

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 9pm
Saturday 8am - 9pm
Sunday 8am - 9pm

Telephone

+17816500864

Website

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