Massimo Eros Smiroldo - Loan Officer

06/26/2024

Have you decided to wait to purchase a home because of rates, savings for a larger down payment, etc?

If so, you need to understand OPPORTUNITY COSTS.

Example below: Buyer decides to wait for lower interest rates to purchase a home. 12 months later, he gets the same loan with a 1% lower rate. BUT, the same house is going to cost him an additional $31,500 because of appreciation.

The lower rate will "save" him $259/mo, but it's costing him the additional $31,500 upfront. His break-even point on his decision will be about 121 months before he starts to benefit from the monthly savings.

The lower rate looks better, but did it actually help him save money? Always focus on the BIG picture and think OPPORTUNITY COST!

03/11/2024

5.0 star review received on Experience.com for Massimo Smiroldo by Kaitlyn K - Efficient, easy to work with, great communication!

Click to see all 68 reviews of Massimo Smiroldo, Loan Officer | NMLS # 1654236

10/12/2023

5.0 star review received on Experience.com for Massimo Smiroldo by Andrew P - Massimo was very helpful through this whole process and made it easy for us to get our loan. We definitely couldn't have done this without him!

Click to see all 67 reviews of Massimo Smiroldo, Loan Officer | NMLS # 1654236

07/21/2023

5.0 star review received on Experience.com for Massimo Smiroldo by Maria N - Massimo was the best loan officer I’ve ever had the pleasure of working with. He went above and beyond to make sure everything was done quickly and with ease. Massimo is knowledgeable and very thorough. He explained each step of the process with patience. I will definitely recommend him to anyone needing a loan officer without hesitation. I couldn’t have gotten through this without him!

Click to see all 66 reviews of Massimo Smiroldo, Loan Officer | NMLS # 1654236

05/06/2023

5.0 star review received on Experience.com for Massimo Smiroldo by Christine S - Massimo made the whole process so easy. He went above and beyond to help us and make the process smooth. He is truly amazing

Click to see all 65 reviews of Massimo Smiroldo, Loan Officer | NMLS # 1654236

02/14/2023

Happy Valentine's Day! You know what that means? It's time to find the perfect home for you and your special someone💘

Call me for all of your home loans needs ☎️

02/13/2023

Want to buy a home in 2023? You've come to the right place! Let's put a plan in place to make your dreams of buying a home become a reality 🏡

02/11/2023

Super Bowl Sunday is tomorrow! What snack are you eating during the big game?

02/09/2023

Thinking about purchasing a home in 2023? Here are some ways to maximize your home budget...

We always advise to speak to a Mortgage Planner early so we can help you prepare for the big purchase.

🌟 Downpayment assistance - there are many local programs
🌟 Improve Credit - Fairway has Credit Tools to help!
🌟 Buydown Rate - Fairway offers a 2/1 buydown & a 3/2/1/ buydown
🌟 Pay off debts
🌟 Avoid HOAs - there are many homes in the area that do not have HOA dues or lower HOA dues

If you have any questions? Send me a message, happy to help!

02/09/2023

5.0 star review received on Experience.com for Massimo Smiroldo by Amanda P - Everything was so easy and broken up so it wasn’t overwhelming. He worked to make sure we had everything we needed in place

Click to see all 64 reviews of Massimo Smiroldo,
Loan Officer | NMLS # 1654236

02/09/2023

5.0 star review received on Experience.com for Massimo Smiroldo by Alec P - Massimo was extremely helpful throughout our entire home buying process. He was very knowledgeable and responsive on for any questions. He made this experience the best it could possibly be!

Click to see all 63 reviews of Massimo Smiroldo,
Loan Officer | NMLS # 1654236

02/06/2023

The first step to buying a home is what? ..... A Pre-Approval!!! 🗣️