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William Calzadilla at Guaranteed Rate NMLS# 139809

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Union Beach, NJ
William Calzadilla at Guaranteed Rate NMLS# 139809

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I am a Branch Manager at Guaranteed Rate. Personal NMLS # 139809. Guaranteed Rate #2611. A mortgage company who grows for good. Believe you can and you will.

We believe you’re amazing and can do anything you want in the world. For licensing information, go to www.nmlsconsumeraccess.org | www.rate.com/licensing Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; Licensed by the NJ Dept of Banking and Insurance; https://www.rate.com/texas-consumers-how-to-file-complaint

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

03/06/2026

Real estate is often talked about like it’s just numbers — interest rates, mortgage payments, and housing market trends.

But the real value of homeownership shows up in the life built inside it: stability, consistency, and the freedom to make a space your own.

That’s when buying a home becomes something more than a transaction.

03/04/2026

There’s more technology available for home buyers than ever before.

Mortgage calculators, market trackers, AI tools, and real estate apps can all give you numbers instantly.

But technology doesn’t replace home buying strategy.

Understanding mortgage options, interest rates, affordability, and timing in the housing market requires more than just tools — it requires a plan.

Information is everywhere.
Strategy is what turns information into smart decisions.

02/24/2026

Waiting for the “perfect” rate is a gamble.
Refinancing based on math is not.

A smart refinance comes down to cost vs. benefit, how much you save, how long it takes to break even, and how it fits into your long-term financial plan.

Rates move. Strategy doesn’t.

02/24/2026

Your income doesn’t determine your buying power, your debt does.

Debt-to-income ratio (DTI) is a key metric lenders use when reviewing mortgage applications. Even high earners can run into issues if monthly obligations are too high.

Before you apply for a home loan, it’s important to understand how DTI affects mortgage approval, interest rates, and loan options.

02/24/2026

Is rent to own a smart path to homeownership?

Rent to own homes. also called lease purchase agreements or lease option contracts, are often misunderstood.

In simple terms, rent to own allows a tenant to rent a property with the option to buy it later, usually at a predetermined price. A portion of the rent may go toward the future purchase, depending on how the contract is structured.

Homeownership HomeFinancing RealEstateEducation

02/18/2026

DTI stands for Debt-to-Income ratio.

It’s one of the most important numbers in the mortgage process — and one of the most misunderstood.

Your DTI isn’t about how responsible you are. It’s a comparison between your monthly debt payments and your income. Lenders use it to determine how much additional payment you can comfortably take on.

The lower the ratio, the more flexibility you typically have.
The higher it is, the more we have to structure the strategy carefully.

DTI doesn’t automatically approve or deny you.
It’s a piece of the bigger picture — and knowing your number early changes everything.

02/17/2026

I’m big on clarity.

I’ve seen too many buyers feel rushed.
Too many people signing paperwork they didn’t fully understand.
Too many decisions made under pressure instead of with confidence.

Buying a home is a major financial move. You should know exactly what you’re signing, what it costs, and what it means long term.

If it’s not clear, we slow it down.
That’s how I do business.

02/11/2026

I didn’t get into this business for rates.
I got into it for people.

For the families who were told “not yet.”
For the buyers who thought homeownership wasn’t possible.
For the ones who just needed someone to actually explain the process.

This isn’t about transactions. It’s about changing someone’s trajectory.

02/04/2026

AI gave me the golf course view.
Real life gives me the conversations, the math, and the strategy that actually gets people home.

02/03/2026

Most financial decisions don’t feel big in the moment, but over time, they shape everything.

How you spend, save, and invest creates momentum. Some choices build stability and flexibility. Others quietly limit future options. That’s especially true when it comes to long-term decisions like housing, debt, and equity.

I believe the smartest moves are the ones that support where you’re going, not just where you are today.

That’s the lens I use when helping people think through major financial choices.

Address

1155 West Chestnut Street, Suites 2B & 2C
Union Beach, NJ
07083

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+19084407402

Website

https://www.Rate.com/williamcalzadilla?utm_source=facebook&utm_medium=organic&utm_campaign=yext&utm_content=30117&adtrk=

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