Michael Capizzi Mortgage Consultant Nmls#1564439

Home
United States
Williamsville, NY
Michael Capizzi Mortgage Consultant Nmls#1564439

Call Directions Website Contact the business

🏡 Helping you make homeownership easy
📍 Serving WNY,FL,PA and NJ
💬 716-908-2835
🔑

10/26/2026

🚨 YOUR BANK SAID NO? DON’T GIVE UP JUST YET! 🏡

Just because one lender says you don’t qualify for a mortgage doesn’t mean homeownership is out of reach!

💳 Less-than-perfect credit?
💼 Self-employed?
🏦 Don’t fit into the traditional bank’s guidelines?

At 1st Priority Mortgage, we have access to a wide variety of loan programs that may offer solutions when traditional financing isn’t an option.

✅ Different lenders. Different guidelines. Different possibilities.

Before you give up on your dream of owning a home, let’s have a conversation!

📲 Ask for Mortgage Mike!

🏡 Buy Smarter. Borrow Easier.

Michael Capizzi | Mortgage Consultant
NMLS #1564439
1st Priority Mortgage, Inc. | NMLS #29600
Equal Housing Lender

10/02/2026

🎃 Rates are going up… but don’t be scared! 👻🏡

A higher-rate environment can actually create opportunities for buyers that weren’t there when everyone was fighting over the same houses:

🍂 More options
🎃 Less competition
👻 More negotiating power
🏡 A chance to start building equity sooner

The goal isn’t to perfectly time the market—it’s to find the right home and financing strategy for you.

Ready to see what buying this spooky season could look like? Let’s talk! 🎃

Michael Capizzi | Mortgage Consultant
NMLS #1564439
1st Priority Mortgage

09/28/2026

🏡 Why am I paying all this money into escrow at closing?!

It’s one of the most common questions we get from homebuyers — and the answer is important.

Escrow isn’t just another lender fee. Depending on the loan and timing of your closing, money may be collected upfront to establish your escrow account for things like property taxes and homeowners insurance.

In today’s Mortgage Monday, I break down why you may see several months collected at closing, where that money actually goes, and why your closing date can make a difference.

🎥 Watch this before you buy a home!

Have questions about your closing costs? We’re always happy to break down the numbers.

Michael Capizzi | Mortgage Consultant
NMLS #1564439

09/21/2026

🏡 Why could right now be one of the BEST times to buy?

When borrowing costs rise, many buyers step back—which can mean less competition, more negotiating power and fewer bidding wars for those who stay in the market.

The perfect time to buy isn’t when everyone else decides it is. It’s when the opportunity and the payment make sense for you.

Let’s build a strategy around your goals!

Michael Capizzi
Mortgage Consultant | NMLS 1564439
📲 716-908-2835

09/14/2026

Nearly 90% don’t fully understand closing costs.

88% aren’t clear on the first steps to buying a home.

And only about 1 in 4 know when they should actually apply for a mortgage.

That tells me one thing: we need to do a better job educating homebuyers.

Buying a home doesn’t have to be confusing. Whether you’re ready now, 6 months from now, or even next year, a conversation and a plan can make all the difference.

Watch this first — then let’s talk.

It’s Easy With Capizzi.

Michael Capizzi
Mortgage Consultant
NMLS 1564439
716-908-2835

08/24/2026

I make mortgages for a living… and sometimes I tell people NOT to buy a house. 🏡

Getting approved doesn’t always mean it’s the right time to buy.

If buying means draining your savings, stretching your monthly budget too far, or putting yourself in a tough financial position — sometimes the best advice is to wait.

My job isn’t to figure out the biggest mortgage you can qualify for.

It’s to help you make a smart financial decision that you’ll still feel good about a year from now.

Thinking about buying but not sure if you’re ready? That’s exactly when we should talk.

It’s Easy With Capizzi.

Michael Capizzi | Mortgage Consultant
NMLS #1564439
📲 716-908-2835

08/17/2026

Should you pay off debt or save more for your down payment?

The answer isn’t always as simple as putting more money down. Paying off the right debt—especially something with a large monthly payment—could improve your monthly cash flow and purchasing power more than increasing your down payment.

For example, putting an additional $30,000 down may only lower the mortgage payment by around $180 per month, while using that money to eliminate other monthly obligations could save significantly more.

Every situation is different. Before paying anything off or moving your money around, let us compare both options and build the best strategy for you.

Michael Capizzi
Mortgage Consultant
NMLS 1564439
716-908-2835

08/10/2026

If you’re living at home trying to save for your first house, don’t just “save more” — have a plan.

🏠 Find out how much you actually need to buy. It may be less than you think.

💰 Pick a monthly payment you’d actually be comfortable with and work backward from there.

💳 Look at your debt. Sometimes paying down a car loan or credit cards can help your buying power more than just stacking cash.

📈 And my favorite: practice your future mortgage payment. If you think housing will cost $2,500/month and you’re paying $500 at home, put that extra $2,000 into savings every month.

You’ll build your savings AND find out what that payment feels like before you buy.

You don’t have to be ready to buy today to start planning.

If buying a home is a goal for the next 6–12 months, let’s build the game plan now.

Michael Capizzi
Mortgage Consultant
NMLS 1564439
716-908-2835

08/03/2026

Higher mortgage rates aren’t everyone’s favorite topic… but they may be creating opportunities that many buyers are missing.

When rates rise:
🏡 There are often fewer buyers competing.
🤝 Sellers may be more willing to negotiate.
💰 You may have more leverage on price, repairs, or closing costs.

Here’s something to think about: You can refinance a mortgage if rates come down in the future. You can’t go back and buy today’s home at yesterday’s price if values continue to increase.

The “best” time to buy isn’t determined by a headline—it’s when the home fits your budget, your goals, and your long-term plans.

If you’re wondering whether buying now makes sense for you, let’s have a conversation. I’ll help you look at the numbers so you can make an informed decision.

📞 Michael Capizzi
Mortgage Consultant
NMLS #1564439
716-908-2835

Address

6000 Sheridan Drive
Williamsville, NY
14221

Telephone

+17169082835

Website

https://mcapizzi.1stprioritymortgage.com/

Alerts

Be the first to know and let us send you an email when Michael Capizzi Mortgage Consultant Nmls#1564439 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.