Bill Grath & Melissa DeBenedetto at Rate

Bill Grath & Melissa DeBenedetto 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.

Helping Homebuyers, Homeowners & Real Estate Professionals Navigate Financing with Confidence l VP of Mortgage Lending and Renovation/Construction Specialists | Melissa DeBenedetto (NMLS #110448) and Bill Grath (NMLS #130530) For licensing information, go to www.nmlsconsumeraccess.org | www.rate.com/licensing

Own Your Dream.

09/24/2026

Buying a home is a team effort. Behind every successful closing is a dedicated group collaborating to achieve the same goal. From you (the buyer) to me (the Loan Officer) and everyone in between, each player takes care of an important role. If you have questions about the homebuying process, I’m happy to discuss them further.

Let’s kick this off together.
https://myoc.io/dRz4ESq4gSQ



NMLS # 110448

09/24/2026

Buying a home is a team effort. Behind every successful closing is a dedicated group collaborating to achieve the same goal. From you (the buyer) to me (the Loan Officer) and everyone in between, each player takes care of an important role. If you have questions about the homebuying process, I’m happy to discuss them further.

Let’s kick this off together.
https://myoc.io/eqqbV8aKXut



NMLS # 130530

09/23/2026
09/23/2026

Your rental income can qualify you for a loan on its own, no tax returns required. A DSCR loan is built for real estate investors who want financing based on what their property earns. Down payment options start at 20%, with loans up to $3M and the option to close under an LLC.

Ready to see what your property could qualify for? Let's talk.
https://myoc.io/dRz4ESq4gSQ/somOJ

NMLS # 110448

09/22/2026

Home affordability is about more than just your income. By assessing your expenses, debt, savings and goals, I can help you set a realistic budget that actually works for you.

Ready to see how much home you can afford?
https://myoc.io/dRz4ESq4gSQ/JzwYz



NMLS # 110448

Buyers are still steadily entering contracts, even with mortgage rates higher than a year ago. Pending home sales in spe...
09/18/2026

Buyers are still steadily entering contracts, even with mortgage rates higher than a year ago. Pending home sales in specific markets still show an increase with stronger buying power created by job gains and income growth.

Understanding the market is the first step. Let’s talk about how to make your next move with confidence.
https://myoc.io/dRz4ESq4gSQ/X2a9u



NMLS # 110448

Buyers are still steadily entering contracts, even with mortgage rates higher than a year ago. Pending home sales in spe...
09/18/2026

Buyers are still steadily entering contracts, even with mortgage rates higher than a year ago. Pending home sales in specific markets still show an increase with stronger buying power created by job gains and income growth.

Understanding the market is the first step. Let’s talk about how to make your next move with confidence.
https://myoc.io/eqqbV8aKXut/vK0tU



NMLS # 130530

Start. Your. Engines. We’re maximizing your buying power with increased conforming loan limits available NOW. Questions?...
09/17/2026

Start. Your. Engines. We’re maximizing your buying power with increased conforming loan limits available NOW.

Questions? Let’s chat.
https://myoc.io/eqqbV8aKXut

NMLS # 130530

Start. Your. Engines. We’re maximizing your buying power with increased conforming loan limits available NOW. Questions?...
09/17/2026

Start. Your. Engines. We’re maximizing your buying power with increased conforming loan limits available NOW.

Questions? Let’s chat.
https://myoc.io/dRz4ESq4gSQ

NMLS # 110448

Address

421 Main Street , Storefront
Boonton, NJ
07005

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