The Lazzaro Lending Group - Powered By Reasy Financial – NMLS 1229453

The Lazzaro Lending Group - Powered By Reasy Financial – NMLS 1229453 Licensed in AZ, FL, PA, & TX, offering tailored mortgage solutions for homebuyers and investors. Reasy Financial AZ BK-2012302

Specializing in Conventional, FHA, VA, USDA, Refinancing, Jumbo, DSCR, Non-QM, Commercial Loans & More. About The Lazzaro Lending Group – Powered By Reasy Financial

At The Lazzaro Lending Group, we specialize in providing personalized mortgage solutions to meet a wide range of financial needs. Whether you’re a first-time homebuyer, a real estate investor, or looking to refinance, we offer a varie

ty of loan options including Fixed and Adjustable Rate Mortgages, Conventional, FHA, VA, USDA, Jumbo, Renovation, 203k, New Construction, and Commercial loans. Competitive Mortgage Solutions Across AZ, PA, FL, and TX

As an independent mortgage broker within the Reasy Financial network, we have extensive access to a wide range of lenders. This allows us to compare and secure competitive mortgage rates and loan products tailored to your needs. We operate with lower costs than many competitors, allowing us to pass on savings to our clients while maintaining high-quality service and flexibility. Your Trusted Partner for Home Loans and Refinancing

Our focus is on transparency, cost efficiency, and personalized service. Whether you’re purchasing a home, upgrading, or investing in real estate, we guide you through every step of the mortgage process, ensuring a seamless experience. The Lazzaro Lending Group is proud to serve clients across Arizona, Pennsylvania, Florida, and Texas. Choose The Lazzaro Lending Group – Powered By Reasy Financial for trusted mortgage solutions that prioritize your financial goals. Justin Lazzaro
Mortgage Consultant
Reasy Financial
[email protected]
C: (412) 638-4982

NMLS ID: 1229453

Equal Housing Lender. © Reasy Financial, LLC | 14100 N 83rd Ave, Suite B-230, Peoria, AZ 85381• NMLS ID 2446155 / AZ 1044208 / https://www.nmlsconsumeraccess.org/ / https://www.reasyfinancial.com/

State License Numbers: AZ – LO-2001846, FL – LO71883, PA – 73668, TX

05/19/2026

One of the most common things I hear:
“I have too much debt to buy a home.”
That’s not how it works.
What lenders actually look at is your debt-to-income ratio. Your total monthly debt payments divided by your gross monthly income.
Someone with a car payment, student loans, and a credit card can still qualify for a mortgage if that ratio is within range. Someone with almost no debt but a low income might not.
It’s not about whether you have debt. It’s about how your debt compares to what you earn.
Comment or DM START and I’ll tell you where your numbers actually stand.
Equal Housing Lender
NMLS 1229453

05/12/2026

Most buyers start touring homes before they understand their financing options.

A quick conversation early in the process can help you:
• Understand your budget
• Identify potential financing issues early
• Strengthen your offer strategy
• Move faster when the right home becomes available

Prepared buyers are often in a better position when the market gets competitive.

DM me “START” if you’d like to explore your home financing options.

Equal Housing Opportunity

05/05/2026

Stop looking at the sticker price—it’s lying to you. 🛑🏠
Most buyers make the mistake of focusing on the home price, but in my 12 years as a mortgage broker, I’ve seen that the monthly payment is what actually dictates your life.
A $500k house isn’t always $500k. You have to account for:
• Property Taxes 📝
• Homeowners Insurance 🛡️
• Mortgage Insurance (PMI) 🏦
Just because a bank says you “qualify” doesn’t mean it fits your actual budget or lifestyle. Let’s find your real comfort zone.
The Next Step:
DM me the word “START” and I’ll help you break down the numbers that actually matter for your future home. 📩✨

04/27/2026

Before you start a mortgage conversation, have the basics ready.

You do not need to know everything upfront, but having these items helps your lender give you a clearer next step:

• Government-issued ID
• Recent income documents
• Recent bank statements
• Your main questions or concerns
• A clear idea of what you are trying to accomplish

The goal is not to overwhelm you, it is to avoid guessing and help you get a real plan for your pre-qualification.

DM me APPLY or use the link in my bio to get started.

Not a commitment to lend. All loans subject to underwriting and approval.

04/20/2026

Most buyers think pre-qualification starts with a credit score. That’s only part of it. First, I’m looking at whether your application matches your documents, whether you added any new debt or payments, whether your income docs raise questions, and whether anything is missing that could slow the process down later. Catch these early, and everything gets easier. DM BLUEPRINT and I’ll send you the checklist. Educational only, not a commitment to lend.

Every week, we highlight a recent review from one of our amazing clients. Helping people navigate home financing with cl...
04/20/2026

Every week, we highlight a recent review from one of our amazing clients. Helping people navigate home financing with clarity and confidence is what we do best.

💬 See what this week’s client had to say ⬇️

04/10/2026

Got declined for a mortgage? Don’t assume you’re out of options.

A mortgage decline can happen for a lot of reasons, income calculation, debt-to-income ratio, credit, assets, documentation, or the loan program itself.

Sometimes the issue is not whether you can buy, it is how the file was structured or reviewed.

This video is for general educational purposes only and is not a commitment to lend.

DM me DECLINED if you want to talk through your situation.

Licensed in AZ, PA, FL, and TX.

04/03/2026

One of the biggest myths in homebuying?

That one credit issue means you have no shot.

That is usually not true.

A mortgage decision is rarely about just one number. Lenders look at the full picture, income, debt, payment history, cash to close, and the overall file.

So before you rule yourself out, find out what actually matters.

Comment BLUEPRINT and I’ll send you the checklist.

Not a commitment to lend. Equal Housing Lender.

Eve said it better than I could.Refinancing can feel stressful when you do not know your options or what comes next. My ...
03/03/2026

Eve said it better than I could.

Refinancing can feel stressful when you do not know your options or what comes next. My job is to make it clear, straightforward, and tailored to your goals.

Thank you, Eve, for trusting me to help with your refinance and for the kind words. It means a lot.

If you’ve been thinking about refinancing, send me a DM and I’ll help you see whether the numbers make sense.

Address

Pittsburgh, PA

Telephone

+14126384982

Website

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