Taylor Stefano, NMLS #2176482

Taylor Stefano, NMLS #2176482 Taylor Stefano, Loan Specialist, NMLS #2176482

If anyone needs me this weekend, I will be around going through and admiring my engagement photos 😍I cannot thank Nicki ...
05/23/2026

If anyone needs me this weekend, I will be around going through and admiring my engagement photos 😍

I cannot thank Nicki and Zack enough for embracing Mother Nature with us and capturing these amazing photos. You both made it so effortlessly easy to be ourselves and feel comfortable and silly.

If anyone is nervous or anxious to have their picture taken (like my fiancé) have no fear, Zack will tell him to whisper his order at a Mexican restaurant in your ear and have you both rolling on the floor laughing 🤣

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05/20/2026

If you are an investor looking to buy a single-family home, condo, multi-family you NEED to know about this product.

You can buy an investment property WITHOUT needing your income documentation. We will only review the properties rental income eligibility to offset the monthly mortgage payment. Meaning we do not care about debt-to-income ratios.

This product can be used for purchase OR cash out refinance to purchase your next investment property.

Did I mention we also do these in house meaning we don’t broker them out… that’s HUGE and if you don’t know what I mean, give me a shout and I am happy to explain!

📲 508-333-2501

TRUE STORY: When was the last time you reviewed your credit cards?Okay, I am guilty of this too. I recently reviewed my ...
05/18/2026

TRUE STORY: When was the last time you reviewed your credit cards?

Okay, I am guilty of this too. I recently reviewed my credit cards to see if there were any reoccurring expenses I wasn’t familiar with. I am pretty good at not signing up for unexpected monthly expenses meaning I have a really good grasp of what is reoccurring on my cards.

Although, I did miss one….

I was reviewing my credit card statement and saw 3 unfamiliar charges all for “Roku” totaling $31/ month. I looked at previous statements and for over a year, I was being charged $9.99/ month for “Roku” and then as of 2 months ago, there were two additional charges for $9.99/ month and $10.99/ month all in the same month.

Before you ask, no I do not have a “Roku” nor a Roku TV. So I did some investigating and found out that Roku is associated with streaming services like Paramount, Peacock and Angel. For over a year now, I thought we just got Peacock for free (nothing is free I know 🙄). Somehow on our Samsung TV, we must have watched something on Paramount and Angel and too quickly clicked next before realizing we were signing up for those streaming platforms as well. Next thing I know, I am paying $30/ month for 3 streaming services we barely watch.

Moral of the story here folks, check your credit card statements AT LEAST once a quarter to make sure you recognize all the charges.

📲 508-333-2501

Most buyers start by asking how much house they can afford. But there are usually two different numbers. The number a le...
05/12/2026

Most buyers start by asking how much house they can afford. But there are usually two different numbers. The number a lender might approve you for… and the number that may actually feel comfortable to pay every month 😉

Lenders typically calculate a maximum based on income, debt, and credit. But that number doesn’t always reflect how people want to live — saving, traveling, activities for the kids, home maintenance, or just having a little breathing room in the budget.

That’s why some buyers focus less on their approval limit and more on a monthly payment that feels comfortable for their lifestyle. Because while you might qualify for a certain price range, the goal is finding a home that still feels manageable long after closing day.

No client is the same and I am here to coach you through the process and make sure you get the best rate and terms that fit your lifestyle 🫶

📲 508-333-2501

05/06/2026

Let’s talk about the Maura Healy approved down payment assistance product for $25K interest free. Although the 0% interest is NEW, this product has been around for some time. The 0% interest is only available until July 31, 2026 then the $25K will be at a 2% to 3% interest rate for 15 years which comes out to about $160-$170/ month.

This is NOT free money. Make sure you are educated on all the rules associated. If you have any questions, don’t hesitate to reach out!

📲 508-333-2501

Trying to save for a home while paying rent is HARD — I’ve been there. After moving out on our own, my fiancé and I were...
05/04/2026

Trying to save for a home while paying rent is HARD — I’ve been there. After moving out on our own, my fiancé and I were paying $2K/month in rent and only saving about $500 monthly. We sat down and knew in order to save more money, we needed to move back home. We decided to move back to his parents’ home, we paid $500 a month in rent and were now saving $2K a month.

In 12 months, we put away $24,000 — and four months later we bought our first home.

I know it feels like taking a step back, and it’s not an option for everyone. But if you can, consider it. Sacrificing a little freedom now can fast-track you to the life you want. Worth it. ✨🏡

What’s one thing you’d be willing to give up short-term to reach a big goal?

📲 508-333-2501

How Mortgage Insurance Is Calculated — and Practical Ways to Lower ItMortgage insurance protects the lender if a borrowe...
04/30/2026

How Mortgage Insurance Is Calculated — and Practical Ways to Lower It

Mortgage insurance protects the lender if a borrower defaults when the down payment is small. Common forms: private mortgage insurance (PMI) for conventional loans, and mortgage insurance premium (MIP) for FHA loans. Some lenders offer lender-paid mortgage insurance (LPMI), which shifts cost into the interest rate.

Key factors that determine the cost
Loan-to-value ratio (LTV): Higher LTV → higher MI rates. Largest driver.

Credit score: Higher credit score → lower MI rates. Big effect.

Loan amount and type: Jumbo loans or certain loan products may have different pricing.

Loan term: Shorter terms can lower PMI cost; LPMI tradeoffs differ by term.

Debt-to-income (DTI) and payment history: Higher DTI or weak credit history can raise rates.

Mortgage insurer and lender pricing: Different insurers/lenders offer different rates and overlays.

Bottom Line – mortgage insurance is mostly driven by LTV and credit score. However, even with great credit score, your mortgage insurance may be lower than you think with only 3% down.

Don’t wait for 20% down… you might be pleasantly surprised 😉

📲 508-333-2501

Two homes can look identical online — but on paper they can be completely different decisions 🤯 Same price range.Similar...
04/28/2026

Two homes can look identical online — but on paper they can be completely different decisions 🤯

Same price range.
Similar photos.
Both look great in the listing.

Then we start looking at the details behind the scenes.

One might have higher property taxes.
One might qualify for a different loan program.
One might require less cash upfront.

Suddenly the comparison isn’t just about the kitchen or the yard anymore. It becomes a much more practical question: Which one actually works better overall?

That is the part of the home search most people don’t see until the numbers are laid out next tothe listing.

Every day, my clients are sending me properties they are interested in. I send them REAL examples with accurate taxes so they have a clear picture of what their mortgage payment will look like when they go to the open house over the weekend with their agent.

Don’t trust online to calculate your numbers for you. I can guarantee you they will not be accurate. 😉

📲 508-333-2501

Address

35 Samoset Street
Plymouth, MA
02360

Telephone

+15089427708

Website

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