John Marroni NMLS# 5778- Mortgage Loan Officer

John Marroni NMLS# 5778- Mortgage Loan Officer Mortgage Advisor NMLS ID # 5778
Equal Housing Opportunity
www.nmlsconsumeraccess.org

09/23/2026

If the home buying process feels overwhelming... You're not alone.

Most people only buy a handful of homes in their lifetime.

That's why having someone explain each step—from pre-approval through closing—can make all the difference.

No pressure. No confusion. Just a plan. 💯

• NMLS # 5778
• Cornerstone First Mortgage, LLC NMLS # 173855

09/21/2026

Realtors wear a lot of hats...

Mortgage expert doesn't have to be one of them.

When financing questions come up, bring your lending partner into the conversation.

You focus on helping clients find the right home. I'll help them understand the financing.

Together, we create a better experience. 🤝

• NMLS # 5778
• Cornerstone First Mortgage, LLC NMLS # 173855

Financing questions deserve mortgage-specific answers. An early lender conversation can help your buyer better understan...
09/20/2026

Financing questions deserve mortgage-specific answers.

An early lender conversation can help your buyer better understand their options & numbers. Let me take that piece off of your plate. 🤝

📬 DM me & let’s connect on your next buyer.



NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS # 173855

09/18/2026

Not every lender is built for investors.

Whether you're buying rentals, financing a fix-and-flip, or purchasing through an LLC, your financing strategy matters just as much as the property itself.

The right loan can create opportunities. The wrong one can limit them.

📞 Let's discuss your options before you make your next offer.

• NMLS # 5778
• Cornerstone First Mortgage, LLC NMLS # 173855

09/17/2026

You've bought a couple of rentals.

Now you're ready for the next one—and suddenly traditional financing starts getting more complicated.

For investors building a portfolio, DSCR financing can provide another path because qualification is centered on the investment property's income and debt service, rather than relying entirely on your personal income profile.

More doors don't necessarily mean you should stop.

It may mean you need a different financing strategy.

Ready to keep building? Let's talk about your next property.

Most investors think of an appraisal as a value opinion. On a DSCR file, it's two opinions.The value sets your maximum l...
09/16/2026

Most investors think of an appraisal as a value opinion. On a DSCR file, it's two opinions.

The value sets your maximum loan. A separate rent schedule — built from actual leases on comparable units nearby — sets the rent your ratio is calculated on.

That second number is the one people don't expect. Your lease says $2,600. The appraiser's comps say $2,400. Underwriting often uses the lower of the two.

On a $2,000 payment, that's a 1.30 turning into a 1.20 — enough to shift your pricing tier.
One report. Two constraints. Worth knowing before you underwrite the deal.

09/16/2026

One of the biggest misconceptions during divorce is believing that if the agreement awards you the home, the mortgage will automatically work.

Unfortunately, that's not how lending works.

Before signing any agreement, make sure you understand your financing options. It can save you significant stress—and potentially thousands of dollars.

📩 Questions about keeping the marital home? Let's talk.

• NMLS # 5778
• Cornerstone First Mortgage, LLC NMLS # 173855

09/15/2026

For investors, traditional income documentation isn't always the whole story.

DSCR programs can offer a different approach by evaluating the investment property's cash flow instead of relying exclusively on employment income.

Depending on the lender and program, you may be able to qualify without the same level of personal income documentation required for conventional financing.

The property has to make sense.

Want to see if your rental qualifies? Explore your options.

Ask a lender four questions before you're under contract, and most problems disappear.What DSCR does my rent need to hit...
09/14/2026

Ask a lender four questions before you're under contract, and most problems disappear.

What DSCR does my rent need to hit? Programs set a floor, but the ratio also drives your pricing tier. Knowing the target tells you whether the deal works at your offer price.
What reserves will I need after closing?
This one catches people. It's not part of your down payment — it's what stays in the account afterward, and stretching for a larger down payment can break it.

What's the prepay structure?
Match the penalty window to how long you actually plan to hold. A short hold with a five-year penalty is an expensive mismatch.

What are the seasoning rules if I refinance later? Relevant the moment your plan involves pulling equity back out.

None of this requires an application. It's a fifteen-minute conversation that tells you whether a property is financeable before you commit earnest money to it.

Reach out any time — happy to run through these on a deal you're looking at.

Before you fall in love with the house, understand the plan behind the offer.It's more than the number. Your financing, ...
09/14/2026

Before you fall in love with the house, understand the plan behind the offer.

It's more than the number. Your financing, timeline, and comfort zone all matter. Just as much.

🔖 Save this carousel for when you’re starting your home search



NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS # 173855

Address

Danvers, MA
01923

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+16176806495

Website

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