Nicholas Mineo

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🏡 Homeownership May Be Closer Than You Think!The SmartBuy Down Payment Assistance Program offered through Excel Mortgage...
07/22/2025

🏡 Homeownership May Be Closer Than You Think!

The SmartBuy Down Payment Assistance Program offered through Excel Mortgage Services is designed to help qualified buyers cover their required down payment — with both forgivable and repayable options available.

This program is ideal for buyers who:
-Have a minimum credit score of 620
-May not have funds saved for a down payment
-Need a flexible solution with no income limits
-Are purchasing FHA-eligible or USDA-eligible properties
-Are looking to buy 1–4 unit properties (must occupy one unit)

Whether you're a first-time homebuyer or returning to the market, this program can provide the boost you need.

📩 Contact me today to learn more about eligibility and next steps!

Program is offered through Excel Mortgage Services. Not all applicants will qualify. Terms and conditions apply. Minimum credit score and automated underwriting system (AUS) approval required. Program guidelines subject to change without notice. This is not a commitment to lend. All loans are subject to credit and underwriting approval. Restrictions may apply.

NMLS #: 1210063 | Company NMLS #: 321425
Equal Housing Lender

Core PCE (the Fed's preferred inflation measure) rose 0.1% from March to April. The yearly rate dropped from 2.7% to 2.5...
06/02/2025

Core PCE (the Fed's preferred inflation measure) rose 0.1% from March to April. The yearly rate dropped from 2.7% to 2.5%, moving closer to that coveted 2% Fed target!

www.mineomortgage.com

Housing Starts dropped 11.4% in March – their biggest decline in a year as builders remain cautious amid economic uncert...
04/17/2025

Housing Starts dropped 11.4% in March – their biggest decline in a year as builders remain cautious amid economic uncertainty. Meanwhile, Building Permits rose 1.6%, slightly exceeding expectations.

There are fears that an impending recession may cause home values to drop. Although counterintuitive, this graph shows h...
04/08/2025

There are fears that an impending recession may cause home values to drop. Although counterintuitive, this graph shows how well home values have performed through the vast majority of recessions.

The only outlier was the 2008 housing crisis, which was a different scenario entirely. That housing bubble was fueled by subprime mortgages and reckless lending practices. Today, lending standards are much stricter, ensuring a crisis like the 2008 housing crash doesn't repeat.

🏡 UNLOCK YOUR HOME'S EQUITY FAST - FOR PRIMARY, INVESTMENT, & SECOND HOMES! 💼🔑Looking to leverage your home’s equity for...
03/31/2025

🏡 UNLOCK YOUR HOME'S EQUITY FAST - FOR PRIMARY, INVESTMENT, & SECOND HOMES! 💼🔑

Looking to leverage your home’s equity for renovations, investments, or even purchasing a second home? Need quick access to your home's equity? Excel Mortgage offers a streamlined HELOC (Home Equity Line of Credit) scan the QR Code for a free no obligation consultation!

👍 Why Choose Excel Mortgages HELOC?

✅ 100% Online Application
✅ Rapid Approvals & Quick Funding – Get funds as fast as 5 days.
✅ Flexible Loan Amounts with Fixed Rates
✅ Option to Redraw 100% – Re-access your funds without reapplying.
✅ No In-Person Appraisal Required – Save time with our simplified process.
✅ Fully Automated Underwriting System – Quick, hassle-free processing.

Our soft credit pull option ensures a smooth process without impacting your credit score, making it perfect for those seeking quick and efficient financing solutions.

📲 Scan the QR code in the image to learn more and unlock your home's potential!

📩 Contact Nick Mineo today!
📧 [email protected]
📞 (925) 398-3005

Mortgage Forbearance Update:Huge news from Mark Calabria, the director of The Federal Housing Finance Agency.🏡🏡 🏡“Homeow...
05/22/2020

Mortgage Forbearance Update:
Huge news from Mark Calabria, the director of The Federal Housing Finance Agency.

🏡🏡 🏡

“Homeowners who are in COVID-19 forbearance, but continue to make their mortgage payment, will not be penalized,” said FHFA Director Mark Calabria. “Today’s action allows homeowners to access record low mortgage rates and keeps the mortgage market functioning as efficiently as possible.”

Make sure to contact your mortgage servicer directly with questions regarding forbearance.

Wondering if you may benefit from a refinance today ❓❓❓❓⁉️⁉️

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Address

7031 Koll Center Pkwy Suite 190
Pleasanton, CA
94588

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 8am - 6pm
Saturday 8am - 6pm
Sunday 9am - 4pm

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