Giovanni Schettini, NMLS ID: 1046442

Giovanni Schettini, NMLS ID: 1046442 I'm a Mortgage Advisor, NMLS ID: 1046442, with PrimeLending, a national mortgage lender. nmlsconsumeraccess.org

A salary might look great on paper—but it doesn’t tell the whole story.Two people can earn the exact same amount and sti...
09/23/2026

A salary might look great on paper—but it doesn’t tell the whole story.

Two people can earn the exact same amount and still have completely different buying power.

Income is only one piece of the puzzle.

Monthly debts, down payment, credit profile, interest rate, property taxes, insurance and even the loan program can all change what the numbers look like.

Guessing based on salary alone usually doesn’t give the full picture.

A better approach will always be to run the actual numbers and see what makes sense based on the entire financial picture.

What’s one factor that tends to surprise you the most when talking about budgeting to purchase a house?

Your salary tells part of the story—but it doesn’t tell the whole story.When it comes to figuring out how much home may ...
09/23/2026

Your salary tells part of the story—but it doesn’t tell the whole story.

When it comes to figuring out how much home may fit your budget, there’s more to consider than the number on your paycheck. Things like your monthly debts, down payment, credit profile, interest rate, property taxes, insurance and loan program can all play a role.

That’s why two people earning the exact same salary could have very different homebuying budgets.

Curious what your numbers could look like?

Let’s talk and run through your options together. No guessing required.

The leaves are starting to change, football is back, and pumpkin-flavored everything has officially taken over.Safe to s...
09/22/2026

The leaves are starting to change, football is back, and pumpkin-flavored everything has officially taken over.

Safe to say, fall is here.

Cooler weather, football Sundays, apple picking, Halloween, Thanksgiving… there’s a lot to look forward to over the next few months.

What’s the one thing that makes it officially feel like fall?

Leaves are falling. Football is back. Pumpkin everything is everywhere.Yep... fall has officially arrived.What's one thi...
09/22/2026

Leaves are falling. Football is back. Pumpkin everything is everywhere.

Yep... fall has officially arrived.

What's one thing you're looking forward to this season?

Student loans in deferment does not necessarily mean homeownership should be on hold?Even without a student loan payment...
09/21/2026

Student loans in deferment does not necessarily mean homeownership should be on hold?

Even without a student loan payment currently being made, that debt may still need to be factored into mortgage qualification. But that doesn’t automatically mean buying a home is off the table.

Every situation looks a little different, and understanding how student loan debt is calculated can make a big difference when looking at potential buying power.

How often are student loans coming up in conversations with buyers right now?

Student loans in deferment = homeownership on hold? Not necessarily.Even when you’re not currently making payments, stud...
09/21/2026

Student loans in deferment = homeownership on hold? Not necessarily.

Even when you’re not currently making payments, student loan debt may still factor into mortgage qualification.

The good news? Your situation is exactly that — yours. Let’s look at the full picture and see what options may be available.

Plenty of renters are getting tired of watching rent go up year after year, but that doesn’t always mean buying feels li...
09/20/2026

Plenty of renters are getting tired of watching rent go up year after year, but that doesn’t always mean buying feels like a realistic option.

Sometimes the biggest hurdle is simply not knowing what’s possible.

A simple question like “Have any financing options been explored yet?” can open up a completely different conversation.

Not every renter is ready to buy — and buying isn’t the right move for everyone. But some may be closer than expected once the numbers and available options are actually explored.

Could renters be an untapped source of buyers for some listings in today’s market?

Getting sacked by rent year after year? Buying a home isn’t the right play for everyone — but you might have more option...
09/20/2026

Getting sacked by rent year after year? Buying a home isn’t the right play for everyone — but you might have more options than you think. If homeownership is somewhere in your game plan, let’s look at your options and see what makes sense for you. Ready to talk strategy? Let’s connect.

Sometimes a buyer likes the house—the numbers just aren’t lining up the way expected.That doesn’t always mean the conver...
09/19/2026

Sometimes a buyer likes the house—the numbers just aren’t lining up the way expected.

That doesn’t always mean the conversation is over.

Maybe the property needs some work and renovation financing creates another option. Maybe a different loan program changes the numbers. Maybe there’s simply a financing strategy that hasn’t been considered yet.

In today’s market, knowing what options are available can help keep a potential buyer in the conversation instead of having a financing concern immediately turn into a lost opportunity.

Sometimes getting a deal to work just requires looking at it a little differently.

💬 What’s the most common financing concern coming up from buyers at listings right now?

It just might look a little different than you imagined.I know today’s market can feel challenging. But I also see buyer...
09/19/2026

It just might look a little different than you imagined.

I know today’s market can feel challenging. But I also see buyers finding ways forward every day.

Sometimes that means looking in a different neighborhood, considering new construction or a home that needs a little work, or exploring a financing option you didn’t know was available.

If homeownership is on your mind, let’s talk before you count yourself out. I’d love to help you explore what might be possible.

Address

7 Hampshire Street, Suite 102
Revere, MA
01844

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