David Macaione - Senior Loan Officer NMLS 117378

09/07/2026

Happy Labor Day! Today, we recognize the hard work and dedication that help make homeownership possible. We hope you enjoy a well-deserved day of rest, relaxation, and time spent at home with those who matter most. 🏡

09/01/2026

🏡 Who’s buying homes right now? More young buyers than you might think.

Gen Z and Millennials are becoming an increasingly important part of the purchase market, and they’re approaching homeownership differently than generations before them.

The latest data shows younger buyers are:
📈 Taking a larger share of purchase activity
💰 Using a mix of savings and other resources for down payments
🏦 Utilizing programs like FHA
📋 Looking closely at financing strategies to make the numbers work

Meanwhile, the broader market is showing more inventory and additional negotiating opportunities, creating a different environment for buyers and sellers.

So what does it all mean? Financing strategy matters.

Take a look at this month’s infographic for the numbers behind the trends.

08/31/2026

👀 Buyers: It may be time to look a little closer at homes that have been sitting.

More inventory and slower buyer activity are creating opportunities in parts of the market. In fact, active listings recently climbed to more than 1.5 million, while pending sales fell to their lowest level since February.

That home you passed on a few weeks ago? It might be worth another look.

Depending on the seller and property, you may have room to negotiate for:

💰 A lower purchase price
🏡 Seller-paid closing costs
📉 A mortgage rate buydown
🔨 Repairs or other concessions

More inventory doesn't automatically mean lower prices—but it can mean more choices and more negotiating power.

08/31/2026

5.0 star review received on Experience.com for David Macaione by Robert R B - I have worked with David before. He is always professional and understanding. BTW, Lori and Dan were great too.

Click to see all 196 reviews of David Macaione, Mortgage Loan Officer | NMLS 117378

08/27/2026

🎥 Mortgage Myth: There isn't a "best" loan—only the best loan for your goals.

A fixed-rate mortgage offers predictable monthly payments, while an ARM may provide a lower initial rate depending on your plans.

Check out this quick breakdown, and if you're unsure which direction to go, let's talk through your options together. Your home financing should fit your life—not the other way around. 🏠

08/26/2026

Think your debt-to-income (DTI) ratio is too high to qualify for a mortgage? Think again. 🏡📊 While many lenders cap DTI at 43%, we have loan programs that may allow for higher ratios for qualified borrowers. Every financial situation is unique, and the right loan solution could be closer than you think. 📲Reach out today to explore your options!

08/24/2026

🏡 Mortgage qualifying just got a little more flexible for some borrowers.

Freddie Mac has expanded its Accumulated Assets as Income guidelines, an important update for borrowers whose financial strength may be tied more to their assets than a traditional paycheck.

Think about someone who has built significant wealth through investments, retirement accounts or other eligible assets but has a lower or less predictable monthly income. Previously, that financial picture might not have translated as favorably when qualifying for a mortgage.

With the updated guidelines, Freddie Mac has:

🔹 Removed the minimum age requirement
🔹 Improved the asset calculation
🔹 Expanded certain LTV and property eligibility

It’s a good reminder that income isn't always the whole story when it comes to mortgage qualification.

If you have substantial assets and are considering buying a home, let's chat!

08/21/2026

08/19/2026

🔑 Investing in real estate doesn't always require a large down payment.

With our 10% Down No MI Investment Property Loan, qualified borrowers can purchase investment properties while preserving more capital for renovations, reserves, or future investments.

Designed for today's investors, this program offers:
🏡 Financing for 1–4 unit investment properties
💰 Only 10% down
🚫 No mortgage insurance
📈 Loan amounts up to $1.5 million
🏢 LLC vesting allowed
✨ Flexible options for investors with multiple financed properties

If you're ready to take the next step in building your investment portfolio, let's talk about your financing options today.

08/17/2026

The market is getting a little busier. 👀

Mortgage applications increased 3.6% last week, while refinance applications climbed 5%. That tells us more people are taking a closer look at what today’s market could mean for them.

Whether you're thinking about buying, refinancing, or simply planning ahead, knowing where you stand puts you in a stronger position to act.

📲 Want to see what your options could look like? Let’s connect.