Bob Gratz, Mortgage Specialist

05/21/2026

Michael was fantastic to work with. He had lots of questions which we always encourage, you don't buy a house every day...

Whether your a first time, moving up or a moving down buyer... you should have questions. We encourage everyone to lean on us for guidance 🙌🏻

04/28/2026

This deal was a puzzle and thankfully the clients were so easy and fun to work with!

Gift of equity, seller concessions, making sure seller got what she needed for her next stage in life. Limited funds to close and a new chapter in all parties' lives. Congratz 🙌🏻

04/23/2026

After being a part of our team for over a year in an operations and LO Assistant role, we are very happy to announce that Hannah Yoder has passed her MLO SAFE exam!

Hannah can now originate loans and we are very excited for her leap into sales! She's been a great asset to our office and continues to grow 👏🏼🙌🏻

Congratz Hannah!
Next Door Lending

04/15/2026

After over a year of asking, calling and emailing the city officials to make changes - we can finally offer this program.

10k towards buying a primary residence in the City of YOUngstown. Additional funds available for qualified repairs, up to 25k!!

04/01/2026

I've been asked a lot recently about some Non-QM programs that are out there (and we offer and have done them all). I've actually done at LEAST one of every single type in the last 12 months 💥

✅ DSCR Loans — While most lenders won’t touch these loans under $100K, I have 3 active loans under 70k right now. I'm even getting referrals from other lenders for this

✅ 1099 Programs — Self-employed for 2+ years but write off most of your income? No problem. We take 90% of your 1099 as usable income. Your hustle = your qualification. 💪 (great for realtors 😉)

✅ Bank Statement Loans — Let your deposits do the talking. Average your deposits over 12 or 24 months! Another great way if you write off income on taxes

✅ P&L Programs + Lite Doc Options — Because sometimes a simple Profit & Loss is all we need to get the job done.

✅ No Income Loans — 20% down + 9 months reserves = YOU’RE QUALIFIED. Available on primary residences (and some second homes too! 🏖️)

✅ Asset Utilization & Asset Depletion — Have money sitting in accounts? Let’s USE it to qualify you!

✅ Fix ’n Flip Loans — Ready to flip? 12-month interest-only loans built for investors who move FAST 🔨🏠

✅ LLC Lending — Not just on the deed — the actual loan closes IN your LLC (most of these programs can close the deed in LLC)

Credit must be qualified for each, often times 20% down is the required down payment, but we can still say yes! Ask me about any of these 🫶🏻

Send a message to learn more

02/26/2026

02/24/2026

Very fun map to look at over the last 23 years. Ok... maybe it's not fun, or maybe I'm just a nerd about real estate?... either way! The Youngstown (tri-county) area is outperforming most of the country right now.

National average is just a shy under 1% YoY appreciation right now, as of December.

Mahoning - 24.3% (actually the highest % nationally!!)
Trumbull - 12.2%
Columbiana - 9%

The area is still seeing that needed growth while most markets have cooled off.

Explore year-over-year changes in home prices regionally and nationally

12/30/2025

Referred to me for a program he thought he wanted. I asked the right questions, found an easier path to financial relief. Cash-Out refinances are HUGE right now!

Americans have more equity in their homes than ever before, struggling with consumer debt? Cashing out some equity can be a game changer.

12/12/2025

This one was such a smooth and easy process. Excited for my friends and their new house!

12/09/2025

Give your furry friend the chance to get a picture with Santa at the 1st annual 𝑪𝒍𝒂𝒖𝒔 & 𝑷𝒂𝒘𝒔 on December 14th from 2pm-4pm hosted by Tracy Marciano Realtor and Megan Martini. Come out to the Boardman Park for this free event that welcomes families and pets, plus local animal charities will be on-site with a bake sale, and The Rich Center for Autism will have a sensory table! Hope to see you there! 🐾✨🎅🏼