Taylor Stefano, NMLS #2176482

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Taylor Stefano, NMLS #2176482

Taylor Stefano, Loan Specialist, NMLS #2176482

09/03/2026

🏡 “So... you just help people buy houses?”

Not exactly.

I help the newly married couple figure out how to save for their first home while still enjoying life.

I help the family that’s running out of bedrooms and needs more space for the kids.

I help grandparents who want to move closer to their grandkids and make more memories.

I help the dog that’s been stuck on a leash finally get the backyard it deserves.

I help people navigate divorce and start a new chapter.

I help families consolidate debt and create a plan for a stronger financial future.

I help first-time buyers who never thought homeownership was possible.

And sometimes, I simply help people realize they have more options than they thought.

The mortgage is just the tool.

The real goal is helping people reach what’s important to them and making one of life’s biggest decisions a little less stressful.

At the end of the day, this business has never been about houses for me.

It’s about people, their stories, and helping them get where they want to be. ❤️

📲 508-333-2501

09/01/2026

BUILD WEALTH 💰🏡

08/26/2026

🏡 How Much House Could You Qualify For?

Assuming your housing payment can be up to47% of your gross monthly income:

✅ $80,000 Income → Up to $3,133/mo ✅ $120,000 Income → Up to $4,700/mo ✅ $180,000 Income → Up to $7,050/mo ✅ $220,000 Income → Up to $8,617/mo ✅ $280,000 Income → Up to $10,967/mo

💡 Remember: Your housing payment includes more than just the mortgage (principal and interest). It can consist of:
• Principal & Interest • Property Taxes • Homeowners Insurance • HOA Dues (if applicable) • Flood Insurance (if required)
Every buyer’s situation is unique, and factors such as credit score, debts, down payment, and property taxes can impact your actual qualification. The above is a loose ballpark so if you are looking for REAL numbers, let’s chat!

📲 508-333-2501

08/24/2026

🚨 Unpopular mortgage opinion: The best pre-approvals aren’t instant.

I know those “Get Pre-Approved in 60 Seconds!” ads sound great, but if you got an approval that fast, there’s a good chance nobody actually reviewed the details that matter.

They didn’t dig into your income. They didn’t review your assets. They didn’t look at how your debts impact your buying power. They probably didn’t ask many questions.

And that’s how buyers end up house hunting based on numbers that don’t tell the whole story.

A solid pre-approval takes a little work. Yep, I’ll ask for documents. Yep, I’ll probably ask follow-up questions. And yes, sometimes it feels like I’m being picky.

But that’s because my goal isn’t just to get you approved.

My goal is to make sure you’re comfortable with the payment, confident in your budget, and set up for success long after closing day.
Anyone can hand out a quick estimate.

I prefer to give you answers you can actually count on. 💯

When you’re ready to buy, let’s do it the right way from the start. 🏡

📲 508-333-2501

A pre-approval is preliminarily approved based only upon some information we have received to date from you. All information must be verified prior to the issuance of a final loan approval. This is not an offer or commitment to lend nor does it guarantee a final loan approval. A final loan approval is subject to verification of the information you have provided and full underwriting review by loanDepot.

08/20/2026

🌭🍔 The answer is YES... I do want to talk about your mortgage at the barbecue. 🏡😆📋

I know, I know...

But honestly, some of the best mortgage conversations I’ve ever had didn’t happen in my office.

They happened around a kitchen table. At a backyard cookout. Standing next to the grill while someone says, “Hey, can I ask you something real quick?”

And before we know it, we’ve spent 30 minutes talking about buying a home, refinancing, credit scores, down payments, or whether now is the right time to make a move.

Because that’s when the real questions come out.

Not the polished questions people think they’re supposed to ask. The ones they’ve actually been wondering about for months.

So if you see me at a barbecue this summer, feel free to bring your mortgage questions.

I’ll bring the answers.

And I promise not to make it weird...

Well, any weirder than talking mortgages next to a plate of burgers. 😂

08/18/2026

HOLDBACKS – Huh ⁉️ Think of something that might come up during an appraisal that would “hold you back” from being able to purchase the home.

This could be:

💩 Failed Septic – this is our 🍞 and 🧈. We do these REGARDLESS of the season. We do NOT require approved plans from the town (⬅️ most lenders do and will push closing so watch rate lock) nor do we require a perk test.

🎨 Peeling Paint

🪵Rotted exterior wood

🪟 Broken windows

❌ Does NOT include anything safety or structural related

loanDepot allows a holdback for BOTH the buyer and the seller. Don’t wait until the last minute 😉 Work with me from the start and if any issues arise on the appraisal, we got you covered!

📲 508-333-2501

08/14/2026

🚨MAJOR condo updates YOU should be aware of:

1️⃣ March 2026 - Removed investor limit/concentration when PURCHASING in a project (used to need 50% occupancy for owner occ) now there is NO limit

2️⃣ August 3, 2026 – LIMITED REVIEWS are gone

3️⃣ January 2027 – RESERVES in condo budget now need to be 15% (previously 10%)

LIST Agents: If you have a condo coming on the market, send us the condo docs ahead of time so YOU know what you can accept or what needs to be updated prior to an accepted offer

📲 508-333-2501

08/06/2026

💰 One of the biggest mistakes I see buyers make? Paying off debt before talking to a lender.

I get it. It sounds logical.

“I’ll pay off my credit cards, car loan, and everything else before I apply for a mortgage.”

But here’s the thing... that isn’t always the best move.

Sometimes paying off debt helps your approval.

Sometimes it drains the cash you worked hard to save, leaves you short on reserves, or takes money away from your down payment and closing costs.

The goal isn’t to have zero debt.

The goal is to put yourself in the strongest position possible to buy a home.

Before you pay off a credit card, vehicle loan, personal loan, or collection account, have a conversation with your lender first. A quick review of your situation could save you a lot of money and help you make a more informed decision.

I’ve seen buyers use cash to pay off debt, only to find out later they would have been better off keeping those funds in the bank.

Every situation is different, which is why having a plan matters. 🏡

Thinking about buying a home? Let’s look at the numbers before you start moving money around.

📲 508-333-2501

Address

35 Samoset Street
Plymouth, MA
02360

Telephone

+15089427708

Website

https://www.loanDepot.com/loan-officers/tstefano

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