Dave Taormina NMLS 215662

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Pompton Plains, NJ
Dave Taormina NMLS 215662

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No matter where you are in the home buying process, I can help.

11/03/2026

I’m often asked, “Where are mortgage rates headed?”

Economic data can offer clues, but no one knows for sure.

This graphic breaks down the key factors that typically move mortgage rates in a normal market

NMLS # 215662

11/02/2026

More borrowing power means more opportunities to help homeowners turn your equity into financial flexibility without refinancing your existing first mortgage.

Whether you're planning a major renovation, consolidating debt or funding another big expense, an increased HELOAN gives you more options. See how HELOANs can fund your next big project.

http://rate.com/davetaormina

11/02/2026

Home prices rose in 78% of the nation’s metro markets last quarter, according to today’s NAR report. The average home price rose to around $432,900, up 1.7% year-over- year. Prices appreciated the most in the Northeast (4%) and Midwest (3.6%) regions, while the West saw a 0.6% drop. There's still ample opportunity for buyers though, with home prices declining in 21% of markets in Q3.

Need a hand navigating the shifting housing market? Let’s chat.

https://myoc.io/iFKmOxB3Mdj/bsWt9

NMLS # 215662

10/31/2026

Mortgage questions don’t always come up during business hours.

Meet MortgageIQ by Dave Taormina—my mortgage education tool in ChatGPT. Use it to explore mortgage topics, get familiar with the terminology, and prepare questions for your home financing journey.

Find it using the steps in the graphic, or DM me “IQ” for the link.

When you’re ready to talk about your specific situation, I’m a call or text away.

NMLS # 215662

10/30/2026

Love your mortgage rate, but your kitchen needs work?

A renovation HELOC may help you finance improvements while keeping your existing first mortgage—and its rate—in place.

With borrowing potential based on your home’s value after renovations, that kitchen remodel, bathroom upgrade, or extra living space could be within reach.

Let’s talk about your project and see whether this option fits.

NMLS # 215662

10/30/2026

Rate offers a $1,640 fee waiver on eligible VA loans—a meaningful amount as you plan your purchase.

If you’re a veteran or service member considering a move, let’s review your eligibility, answer your questions, and talk through your options

NMLS # 215662

10/29/2026

As a loan officer, the people around you can make all the difference. That’s what makes our team at Rate amazing—we share ideas, work through challenges, and help each other get things done.

I’m proud of the team we’ve built. If you’re looking for a place where your voice matters and your teammates want to see you succeed, let’s talk.

NMLS # 215662

10/29/2026

Thinking about home improvements or exploring ways to manage existing debt? A home equity line (HELOC) could be an option worth discussing.

Let’s look at your goals, review the numbers, and see whether it fits your situation

NMLS # 215662

10/28/2026

FED just released the minutes to their meeting.

What really does move mortgage rates?

NMLS # 215662

10/28/2026

Rate’s investment property program offers financing up to 90% LTV on eligible one-unit properties—with no mortgage insurance. Options are also available for two-to-four-unit properties, with loan amounts up to $2 million.

Buying your first rental or expanding your portfolio? Let’s talk through the numbers.

NMLS # 215662

Address

913 Route 23 South, Suite 212
Pompton Plains, NJ
07444

Telephone

+19736320370

Website

http://www.rate.com/davetaormina

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