Jen Pintos Guaranteed Rate Affinity NMLS 1596923

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Jen Pintos Guaranteed Rate Affinity NMLS 1596923 I help clients finance their dream home and save money!

Mortgage Lender & Mortgage Broker License MLO1596923 Licensed by the New Hampshire Banking Department Guaranteed Rate Affinity NMLS 1598647 1800 W. Larchmont Ave., Chicago, IL 60613 (866) 934-7283 • grarate.com Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.org www.grarate.com/licensing

Tommy has officially entered upper management. 🐾She’s been promoted to VP, Atlas is now her assistant, and apparently I ...
10/07/2026

Tommy has officially entered upper management. 🐾

She’s been promoted to VP, Atlas is now her assistant, and apparently I just work here. 😉

Swipe for their mortgage advice — some of it is actually pretty solid. 😂

Which one would Tommy have to remind you about?

10/05/2026

$5,000 a month sounds like a big number… but what does it actually buy you? 🏡

In this example: approximately a $635,000 home with 10% down.

And that ~$5,000/month includes principal, interest, property taxes and homeowners insurance — not just the mortgage payment.

Sometimes looking at the monthly payment first makes the home-buying conversation feel a whole lot more tangible.

Want me to break down what your monthly budget could look like in today’s market? Send me a message.

NMLS1596923

We got a puppy and took him on his first trip to the white mountains 🤎 Meet Atlas 🤎
09/30/2026

We got a puppy and took him on his first trip to the white mountains 🤎 Meet Atlas 🤎

I literally cried making this carousel.Growing up, I was always taught to be educada — and no, not in the way you’d thin...
09/27/2026

I literally cried making this carousel.

Growing up, I was always taught to be educada — and no, not in the way you’d think of it here in the U.S.

To say hello when I walked into a room. To say goodbye before I left. To say por favor, gracias, con permiso. To respect my elders. To help clean up. To make sure no one felt left out. To always offer something to eat.

At the time, they just felt like little rules.

Now I realize they were teaching me something much bigger — how to treat people.

The older I get, the more I understand that this is the kind of education that matters most to me. Not titles, accomplishments, or what you have — but how you make people feel when they’re around you.

That’s what being Hispana means to me.

Feliz Mes de la Herencia Hispana. 🇺🇾♥️

09/25/2026

Another unfiltered look at what I’m seeing in the mortgage world this week 👀

ARMs are definitely having a moment right now.

This week, a client sent me a competitor quote for a 3/6 ARM on a condo purchase — and while I’m not against ARMs, personally, I think a 3-year fixed period is just too short for a lot of buyers.

A lower rate can look great on paper, but the product behind that rate matters just as much.

This is why I always say: don’t just compare rates — compare the actual loan.

No script, no fancy setup. Just my two cents on what I’m seeing in real time.

09/23/2026

No script. No fancy setup. Just a quick, unfiltered look into my week so far.

Rates are back over 7%, but buyers are still buying and sellers are still selling — and this week alone, I’ve had three accepted offers.

What stood out? All three involved seller concessions in some way, and in some cases we’re using those concessions toward a temporary rate buydown to help lower the buyer’s payment during the first couple of years.

The interest rate is only one piece of the puzzle. How the deal is structured can make a big difference.

So here’s your mortgage PSA for the week: if you hear terms like seller concessions, 2-1 buydowns, or temporary buydowns and aren’t totally sure how they work, reach out.

I’d love to break it down and show you what it could look like with real numbers.

Buyers + Realtors — my DMs are always open.

Address

560 Moody Street Unit 1
Waltham, MA
02453

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