Bill Grath & Melissa DeBenedetto at Rate

Bill Grath & Melissa DeBenedetto at Rate Melissa DeBenedetto (NMLS #110448) and Bill Grath (NMLS #130530) are Renovation Specialists at Rate A mortgage company who grows for good.

We believe you’re amazing and can do anything you want in the world. Believe you can and you will. For licensing information, go to www.nmlsconsumeraccess.org | www.rate.com/licensing

Own Your Dream.

06/23/2026

Your mortgage is just one part of the picture, not the whole story. When you understand what it actually costs to own, planning gets a lot clearer. I’ll help you break it down so you know what to expect from the start.
https://myoc.io/eqqbV8aKXut/Gk7cQ



NMLS # 130530

06/23/2026

Your mortgage is just one part of the picture, not the whole story. When you understand what it actually costs to own, planning gets a lot clearer. I’ll help you break it down so you know what to expect from the start.
https://myoc.io/dRz4ESq4gSQ/8B4pL



NMLS # 110448

06/22/2026

There isn’t just one way to use your home equity, and there shouldn’t be. Some homeowners prefer flexibility they can access over time. Others want a set amount with a clear repayment structure. The right approach depends on your goals, your timeline and how you manage it. Options like a Home Equity Line of Credit (HELOC)* or a fixed-rate lump sum option** could help you access equity without replacing your current mortgage.

Let’s connect and find what fits your situation.
https://myoc.io/dRz4ESq4gSQ/P4tFS



NMLS # 110448

06/22/2026

There isn’t just one way to use your home equity, and there shouldn’t be. Some homeowners prefer flexibility they can access over time. Others want a set amount with a clear repayment structure. The right approach depends on your goals, your timeline and how you manage it. Options like a Home Equity Line of Credit (HELOC)* or a fixed-rate lump sum option** could help you access equity without replacing your current mortgage.

Let’s connect and find what fits your situation.
https://myoc.io/eqqbV8aKXut/eoypp



NMLS # 130530

The Fed held rates steady this week, choosing patience while inflation remains elevated and the economy keeps growing at...
06/18/2026

The Fed held rates steady this week, choosing patience while inflation remains elevated and the economy keeps growing at a solid pace. For anyone weighing a move, that steadiness works in your favor. With rates holding, you can focus on your own goals instead of the market's next turn.

If you're thinking about your next step, I'm here to help you make sense of it. Let's map out something that fits where you're headed.
https://myoc.io/dRz4ESq4gSQ/B355t



NMLS # 110448

The Fed held rates steady this week, choosing patience while inflation remains elevated and the economy keeps growing at...
06/18/2026

The Fed held rates steady this week, choosing patience while inflation remains elevated and the economy keeps growing at a solid pace. For anyone weighing a move, that steadiness works in your favor. With rates holding, you can focus on your own goals instead of the market's next turn.

If you're thinking about your next step, I'm here to help you make sense of it. Let's map out something that fits where you're headed.
https://myoc.io/eqqbV8aKXut/ysGJQ



NMLS # 130530

The spring market showed more momentum than many expected. New pending home sales data points to renewed buyer activity ...
06/17/2026

The spring market showed more momentum than many expected. New pending home sales data points to renewed buyer activity across the country, even as mortgage rates held steady. For buyers and sellers, that could signal a market where preparation matters more than waiting for perfect conditions. Because pending sales reflect signed contracts, they can also offer an early look at where the market may be headed next.

Let's review what today's housing market trends could mean for your homeownership goals.
https://myoc.io/dRz4ESq4gSQ/pjgsb



NMLS # 110448

The spring market showed more momentum than many expected. New pending home sales data points to renewed buyer activity ...
06/17/2026

The spring market showed more momentum than many expected. New pending home sales data points to renewed buyer activity across the country, even as mortgage rates held steady. For buyers and sellers, that could signal a market where preparation matters more than waiting for perfect conditions. Because pending sales reflect signed contracts, they can also offer an early look at where the market may be headed next.

Let's review what today's housing market trends could mean for your homeownership goals.
https://myoc.io/eqqbV8aKXut/ojkUq



NMLS # 130530

06/16/2026

Winning your dream home is full of excitement, but moving, not so much. However, with the right tips your move could be a bit easier. These are some of my favorites, what are yours?
https://myoc.io/dRz4ESq4gSQ/3Bj7y



NMLS #110448

06/16/2026

Winning your dream home is full of excitement, but moving, not so much. However, with the right tips your move could be a bit easier. These are some of my favorites, what are yours?
https://myoc.io/eqqbV8aKXut/DTK8w



NMLS #130530

Address

421 Main Street , Storefront
Boonton, NJ
07005

Website

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