Brittany Minocchi - Mortgage Loan Originator

10/30/2025

04/28/2025

This borrower needed to access equity in a free and clear investment property he owns in order to grow his portfolio....DONE!

04/24/2025

Have a rental property that's currently unleased, but need to pull equity out?

No problem...and no hit to LTV!

04/16/2025

2 more DSCR purchases in the books!

This investor was working with a wholesaler - that means we needed a lender that would include the assignment fee in the loan amount. So, I did some searching, found a lender with competitive rates that would also allow the assignment fees and got 'em closed!

330-354-6590
[email protected]

04/07/2025

Is buying down your interest rate the right move for you? Here are some things to consider:

1. Do you want a lower payment? If so, buying down your rate can help accomplish that.

2. Will you own the home long enough to recover the cost of the buydown? For example - if buying your rate down from 7% to 6.875% will save you $20/month, and the buydown costs $1,000, it will take you a little over 4 years to break even on the buydown ($1,000 divided by $20/month = 50 months). If you sell or refinance before that, you won't benefit from a buydown. **these are completely made up numbers for the sake of an example**

3. Is your DTI (debt-to-income ratio) a little high? Buying down your rate lowers it, which will lower your DTI and could help you get approved for a mortgage.

04/04/2025

Q: Can your mortgage payment increase after you close?

A: Not unless you modify that loan. Your mortgage is made up of principal and interest - these won't change. However, your homeowner's insurance premium and/or property taxes can (and likely will) increase, and many homebuyers have these "bundled in" with their mortgage payment every month.

03/26/2025

FHA Loan Update:

Starting May 25, non-permanent residents will no longer be eligible for FHA-insured mortgages. Only U.S. citizens, lawful permanent residents, and citizens of Micronesia, the Marshall Islands, and Palau will qualify. Lenders must document permanent residency status on loan applications moving forward.

https://www.hud.gov/sites/default/files/OCHCO/documents/2025-09hsgml.pdf?utm_medium=email&utm_source=govdelivery&fbclid=IwY2xjawJRI_ZleHRuA2FlbQIxMAABHb-jKiB1NpBpsk3M38e_cJbl3sQRz4Y0Qbz68hL1O4WFsSe1eR9wPd5eoQ_aem_Hfvbl8mIzgLdqGGLrnJJ2g

02/18/2025

Before applying for a mortgage, take a moment to visit optoutprescreen.com to lessen the number of calls you receive from solicitors.

02/13/2025

When you work with someone like me who has a relationship with 180+ lenders, you might finally get that "yes" you've been waiting for.

02/11/2025

Thinking about applying for a mortgage? Here are 5 things NOT to do before consulting your loan officer:

1. Make a large purchase
2. Make job changes
3. Have your credit pulled
4. Open or close any credit accounts
5. Move money around

02/06/2025

When you get the clear to close on a difficult file, but you aren't sure if it's safe to be excited yet