Michael Greco - Greco Mortgage - NMLS 624465

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Michael Greco - Greco Mortgage - NMLS 624465 Mortgage Broker This is not a commitment to lend or extend credit. For information purposes only. Information and/or dates are subject to change without notice.

Michael Greco is a Licensed loan originator - NMLS 624465 and is the Broker/Owner of The Greco Mortgage Team NMLS 2283673

For information purposes only. All loans are subject to credit approval. Greco Financial Services, LLC DBA Greco Mortgage | NMLS #2283673 www.nmlsconsumeraccess.org | Equal Housing Opportunity. Licensed by California Department of Financial Protection and Innovation Loans made or arranged pursuant to California Financing Law License -157616 –

Regulated by the Colorado Division of Real Estate

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV https://www.sml.texas.gov/

10/08/2026

5 reasons real estate investors may choose a DSCR loan over conventional financing:

1. Tax returns don’t show enough qualifying income
2. You want the property vested in an LLC
3. You want an interest-only option
4. You already have more than 10 financed properties
5. You want more leverage on certain investment properties

DSCR loans qualify primarily off the property’s cash flow rather than traditional personal-income qualification, which can create a lot more flexibility for investors.

I break down all five in this video.

Interested in current DSCR rates or want to see if your property qualifies?

https://www.grecomortgage.com
Call/text: 972-787-2707

Disclosures & licensing:
https://thegrecomortgageteam.com/disclosures/

10/07/2026

Your offer was accepted. Now comes another big decision: when do you lock the mortgage rate?

In a volatile market, I see buyers make one mistake over and over — they keep shopping, keep finding another lender to call, and compare quotes that were given at completely different times.
That can be misleading when pricing is moving quickly.

In this video, I explain how to compare mortgage quotes correctly, how points factor into the decision, and why anyone choosing to float should have a predetermined point where they stop waiting and lock.

Shop intelligently. Be decisive. Protect yourself.
If you want me to review a mortgage quote or scenario:
https://www.grecomortgage.com
Call or text 972-787-2707.

09/24/2026

Shopping for a DSCR loan? Don’t compare rate first.

A low rate means very little if the lender hasn’t fully reviewed the file.

Reserves, visa/residency status, large deposits, lender overlays, documentation, and hidden fees can all change whether the loan actually works.

Ex*****on first. Then compare rate, points, prepayment penalties, and fees.

Interested in current DSCR rates or want me to review a scenario?
https://www.grecomortgage.com
Call or text: 972-787-2707

09/23/2026

Vacant investment property? A DSCR refinance may still work.

Most lenders want the property already rented. Some can qualify using the market rent from the appraisal, even when the property—or individual units—is vacant.

The lesson: ex*****on first, then compare rate and terms.

Interested in current DSCR rates or want to see if your property qualifies?
https://www.grecomortgage.com
Call or text: 972-787-2707

09/22/2026

Short-term rental loans can get complicated fast.

Different lenders may calculate the same property’s STR income differently using:

• AirDNA projected revenue
• Actual trailing 12-month income
• Appraiser-supported STR rent
• Only a percentage of projected revenue

In this video, I walk through a real AirDNA example and explain what lenders may look at before deciding whether the income works.

The big takeaway: don’t wait until underwriting to figure out how your STR income will be calculated.

Interested in current rates or want to see if you qualify? Call or Text 972-787-2707
https://www.grecomortgage.com

Disclosures:
https://thegrecomortgageteam.com/disclosures/

09/17/2026

Shopping for a DSCR loan? Don’t compare rate first.

First figure out who can actually get your deal done.

Then compare the details:

• Prepayment penalty
• Interest-only vs. P&I
• Escrows
• DSCR ratio
• Rental type
• Points
• Fees

Two lenders can quote the same rate and still be offering very different loans.

If the terms aren’t the same, you’re not comparing the same DSCR loan.

Disclosures:
https://thegrecomortgageteam.com/disclosures/

09/16/2026

The Fed raised rates today. So mortgage rates went up too… right?

Not necessarily.

The Fed raised its benchmark rate by 0.25%, but mortgage rates don’t directly follow the Fed Funds Rate. Today was a perfect example.

In this video, I break down what actually drives mortgage rates — and why the Fed can raise rates while mortgages barely move.

Advertising disclosures & assumptions:
https://thegrecomortgageteam.com/disclosures/

09/16/2026

What happens when a rental property doesn’t rent for enough to qualify for a DSCR refinance?

Most lenders either reduce leverage, worsen pricing, or push the loan into a no-ratio structure.

But in some cases, a lender may be able to use current market rent instead of the existing lease amount — and that can materially change the refinance options.

I break down a real-world example in this video.

Advertising disclosures & assumptions:
https://thegrecomortgageteam.com/disclosures/

🌟 Big News from Greco Mortgage! 🌟Hi Friends and Family! I realize I've been a little quiet about some big changes in my ...
04/02/2024

🌟 Big News from Greco Mortgage! 🌟

Hi Friends and Family! I realize I've been a little quiet about some big changes in my business life, but it's time to break the silence with some thrilling news!

✨ **A New Chapter for The Greco Team!**
We've transformed! The Greco Team is now Greco Mortgage. This isn't just a name change – we're officially a company! After years of trying I've finally snagged www.grecomortgage.com and am leading the charge as the sole Broker/Owner.

🤠 **New Beginnings in Texas!**
Big move alert! We've relocated to Texas, which means I'm now ideally positioned to provide services to clients from coast to coast more effectively.

📋 **Expanding Horizons!**
We're licensed in CA, CO, TX, FL, SC, NC, and MD now. So, if you or someone you know is in the market to buy or refinance in these states, think of us at Greco Mortgage. Your support means the world!

I’m super excited about these developments and can’t wait to assist more of you in achieving your homeownership dreams. Thanks for being a part of my journey!

🌟 Big News from Greco Mortgage! 🌟Hi Friends and Family! I realize I've been a little quiet about some big changes in my ...
04/02/2024

🌟 Big News from Greco Mortgage! 🌟

Hi Friends and Family! I realize I've been a little quiet about some big changes in my business life, but it's time to break the silence with some thrilling news!

✨ **A New Chapter for The Greco Team!**
We've transformed! The Greco Team is now Greco Mortgage. This isn't just a name change – we're officially a company! After years of trying I've finally snagged www.grecomortgage.com and am leading the charge as the sole Broker/Owner.

🤠 **New Beginnings in Texas!**
Big move alert! We've relocated to Texas, which means I'm now ideally positioned to provide services to clients from coast to coast more effectively.

📋 **Expanding Horizons!**
We're licensed in CA, CO, TX, FL, SC, NC, and MD now. So, if you or someone you know is in the market to buy or refinance in these states, think of us at Greco Mortgage. Your support means the world!
I’m super excited about these developments and can’t wait to assist more of you in achieving your homeownership dreams. Thanks for being a part of my journey!

Address

130 N Preston Road STE 221
Prosper, TX
75078

Telephone

+19727872707

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