Michael Santos

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Michael Santos Residential mortgages FHA & CONVENTIONAL Purchase or Refinances 1 TO 4 FAMILY HOMES. First time hom First time home buyer expert. NMLS 199875

Buying in New Jersey? Your down payment might not have to come entirely out of your pocket.Qualified buyers may be eligi...
10/20/2026

Buying in New Jersey? Your down payment might not have to come entirely out of your pocket.

Qualified buyers may be eligible for up to $15,000 in NJHMFA down payment assistance, and eligible first-generation buyers may receive an additional $7,000, for a total of up to $22,000 depending on the county.

The assistance can help cover your down payment and closing costs, with no monthly payments or interest on the assistance. It may also be fully forgiven after 5 years if program requirements are met.

Think this could help you buy sooner?

DM me or reply “NJ” and let’s see if you qualify.

One thing this business has taught me since 2001: good intentions don’t move the needle. Consistency does.You show up. Y...
10/16/2026

One thing this business has taught me since 2001: good intentions don’t move the needle. Consistency does.

You show up. You do the work. You keep doing it when nobody’s watching.

That’s how results are built.

National Savings Day felt like a good reminder for anyone planning to buy a home:Just because you have the cash doesn’t ...
10/12/2026

National Savings Day felt like a good reminder for anyone planning to buy a home:

Just because you have the cash doesn’t mean all of it should go into the house.

Down payment matters. Closing costs matter. But so does what you have left after closing.

I’d rather see you buy with a plan that still makes sense the day after you get the keys. 🏡💰

Save this if buying is on your radar.

Another one closed 🙌🏽Really happy for our clients! There’s nothing better than seeing a deal come together and knowing a...
10/08/2026

Another one closed 🙌🏽

Really happy for our clients! There’s nothing better than seeing a deal come together and knowing another family is getting the keys to their new home.

Grateful for the trust, and congrats to everyone involved in getting this one to the finish line🏡

10/05/2026

23 years in mortgages and this is where we are now 😂

This is exactly how I want people to feel after working with us.Clear communication. No guessing. No disappearing when t...
10/02/2026

This is exactly how I want people to feel after working with us.

Clear communication. No guessing. No disappearing when things get complicated.

Every file is different, and sometimes there are challenges along the way, but our job is to stay available, explain what’s happening, and keep moving toward the closing table.

Really appreciate the trust and the kind words. Enjoy the new home 🏡

Closed in Lodi ✅A $770K purchase officially across the finish line.Always appreciate the trust our clients and partners ...
09/30/2026

Closed in Lodi ✅

A $770K purchase officially across the finish line.

Always appreciate the trust our clients and partners put in us to handle one of the biggest parts of the transaction. Congrats to the new homeowners and everyone who helped make it happen. 🏡

09/29/2026

A lot of buyers get so focused on the rate that they forget they’re also choosing the house, the neighborhood, and the life that comes with it.

Rates can change. You can refinance when it makes sense.

The house? That’s the decision you actually have to live with.

Don’t let one number make the whole decision for you. 🏡

Address

140 Mountain Avenue STE 101
Westfield, NJ
07081

Telephone

+19082966608

Website

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