DRMC Naperville 629 S Washington ST

DRMC Naperville 629 S Washington ST Diamond Residential Mortgage Corporation NMLS #186805 Stop in today for a chat or call us at 630-881-8655 William Piotrowski NMLS #219299 Equal Housing Lender

Diamond Residential Mortgage Corporation As an Equal Housing Lender, We Do Business in Accordance With Federal Fair Lending Laws UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, DISABILITY, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF18) TO: Deny a loan for the purpose of purchasing, constructing, improving, repairing or mainta

ining a dwelling, or deny any loan secured by a dwelling; or Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property

🏡💰 WHY WE TALK PROPERTY TAXES BEFORE BUYERS FALL IN LOVE WITH A HOUSE 💰🏡Mortgage rates get all the headlines.But you kno...
06/16/2026

🏡💰 WHY WE TALK PROPERTY TAXES BEFORE BUYERS FALL IN LOVE WITH A HOUSE 💰🏡

Mortgage rates get all the headlines.

But you know what catches many homeowners by surprise?

👉 Property taxes.

And they're rising in virtually every major metro across America.

According to new data from LendingTree:

📈 The median homeowner now pays $3,119 per year in property taxes.
📈 Homeowners with a mortgage pay a median of $3,489 annually.
📈 Property taxes increased in all 50 of the nation's largest metro areas between 2023 and 2024.

The reality is this:

A fixed-rate mortgage doesn't mean a fixed monthly payment forever.

While your interest rate may stay the same...

❌ Property taxes can rise
❌ Homeowners insurance can rise
❌ HOA fees can rise

And those increases directly impact your monthly payment.

That's why I have a different approach.

Before my buyers ever walk through a front door, we discuss the FULL payment—not just the mortgage.

We create custom payment scenarios showing:

🏠 Home price
🏙️ Property taxes by city
🛡️ Insurance estimates
💵 Total monthly payment

Because a $450,000 home in one town can have a dramatically different monthly payment than a $450,000 home just a few miles away.

The goal isn't just getting approved.

The goal is making sure you're comfortable with the payment today, next year, and years from now.

💡 The buyers who understand taxes before they shop make better decisions and avoid surprises after closing.

That's what being an advisor is all about.

Not just helping someone buy a house.

Helping them understand the true cost of homeownership.

📲 Thinking about buying and want to know what your REAL monthly payment could look like?

| 630-881-8655

🏡💰 SHOULD YOU PAY A BUYER'S CLOSING COSTS? WHAT TODAY'S SELLERS NEED TO KNOW 💰🏡A few years ago, sellers could call most ...
06/16/2026

🏡💰 SHOULD YOU PAY A BUYER'S CLOSING COSTS? WHAT TODAY'S SELLERS NEED TO KNOW 💰🏡

A few years ago, sellers could call most of the shots.

Today's market? Not so much.

As inventory continues to grow, negotiations are becoming a normal part of the home-selling process again.

One of the most common requests sellers are seeing today:

👉 "Will you help with my closing costs?"

Before you immediately say "no," here's what you should know.

📊 What Are Closing Costs?

In addition to a down payment, buyers typically pay for:

✔️ Loan fees
✔️ Appraisals
✔️ Inspections
✔️ Title fees
✔️ Attorney fees
✔️ Surveys and other transaction costs

For a $400,000 home, that can easily add up to:

💰 $8,000 - $20,000+

For many buyers, coming up with that extra cash is often harder than qualifying for the monthly payment.

📈 More Sellers Are Offering Concessions

According to Zillow, 67% of sellers helped pay some or all of a buyer's closing costs in 2025.

That doesn't mean every seller should.

But it does mean flexibility is becoming more common.

🤔 When Might It Make Sense?

You may want to consider helping with closing costs if:

🏠 There are a lot of homes competing with yours
📆 Your home has been sitting longer than expected
👀 You're getting showings but no offers
⚡ You need to move quickly
🤝 It helps keep a deal together

Sometimes giving up a few thousand dollars helps you avoid carrying costs, additional mortgage payments, taxes, insurance, and weeks or months of waiting.

💡 Remember: Negotiation Isn't About Winning Every Dollar

It's about reaching your goals.

Sometimes the best deal isn't the highest offer...

It's the offer that actually closes.

🔄 Other Options Instead of Paying Closing Costs

If you'd rather not contribute toward closing costs, you might consider:

✔️ Home warranty
✔️ Repair credits
✔️ Flexible closing dates
✔️ Leaving appliances behind
✔️ Including furniture or other personal property

🔑 BOTTOM LINE

The most successful sellers in today's market understand one thing:

👉 Flexibility can be a powerful tool.

Every market is different, every home is different, and every negotiation is different.

Knowing when to stand firm and when to compromise can make all the difference.

Thinking about selling and wondering what buyers are asking for in today's market?

📲 | 630-881-8655

🏡✨ WHAT A PERFECT WAY TO CLOSE OUT THE WEEK… WITH A NEW HOMEOWNER! ✨🏡Melanie Rybarskiki & Laura Sandoval — what a great ...
06/12/2026

🏡✨ WHAT A PERFECT WAY TO CLOSE OUT THE WEEK… WITH A NEW HOMEOWNER! ✨🏡

Melanie Rybarskiki & Laura Sandoval — what a great way to wrap up the work week with another successful closing!

🎉 Valerie — congratulations on your new home! 🎉
We wish you nothing but happiness, success, and abundance in this exciting new chapter.

🙏 Thank you for trusting us to be part of your journey. It was truly an honor to assist you with this transaction, and we look forward to being your trusted mortgage advisor for years to come.

📞 As always, if you ever have questions about your mortgage or any financial guidance needs, we’re here to help. And if we can’t directly assist, we’re proud to have a strong network of professionals ready to step in and support you.

🤝 A special thank you as well to Kelly P for your trust, partnership, and support on this deal!

💡 And to everyone reading this…

If you know a friend, family member, or coworker who is thinking about buying, selling, or refinancing — we would be truly grateful for the introduction.

👉 You could be next.

📲 | 630-881-8655

👋🏡 HELLO FUTURE BUYERS… READ THIS BEFORE YOU MOVE THIS SUMMER 🏡👋The right house at the wrong price is still the wrong ho...
06/12/2026

👋🏡 HELLO FUTURE BUYERS… READ THIS BEFORE YOU MOVE THIS SUMMER 🏡👋

The right house at the wrong price is still the wrong house.

And that’s something a lot of buyers forget when competition picks up.

💡 HERE’S THE REAL TRUTH

If you’re looking to buy a home this summer:

👉 Don’t rush
👉 Don’t overextend
👉 Don’t let emotions override your budget

A home should fit your life and your long-term financial comfort.

🏠 SMART BUYING STRATEGY

A strong real estate agent will help you:

✔️ Find homes you actually love
✔️ Stay aligned with your budget
✔️ Navigate competition without overpaying
✔️ Make confident, informed decisions

Because the goal isn’t just buying a house…

It’s buying the right house at the right price.

🔑 BOTTOM LINE

In today’s market, patience and preparation win.

The buyers who succeed are the ones who stay disciplined while staying ready.

📲 Thinking about making a move this summer?
Let’s connect and map out your options.

| 630-881-8655

🤖🏦 AI IS CHANGING MORTGAGE LENDING — AND REGULATORS ARE PAYING ATTENTION 🏦🤖Artificial Intelligence is becoming a bigger ...
06/12/2026

🤖🏦 AI IS CHANGING MORTGAGE LENDING — AND REGULATORS ARE PAYING ATTENTION 🏦🤖

Artificial Intelligence is becoming a bigger part of banking, lending, underwriting, compliance, and customer service.

And now regulators are taking a closer look.

According to reports, both the Federal Reserve and the Office of the Comptroller of the Currency (OCC) are asking banks detailed questions about how AI is being used in lending decisions, customer screening, and risk management.

🔍 WHAT ARE REGULATORS FOCUSED ON?

✔️ Data privacy and security
✔️ Human oversight of AI decisions
✔️ Vendor and third-party risk management
✔️ Fair lending compliance
✔️ Documentation and audit trails
✔️ System controls and "kill switches"

⚠️ WHY THIS MATTERS

AI can be a powerful tool.

But lenders still have to comply with fair lending laws like the Equal Credit Opportunity Act (ECOA).

That means:

❌ "The AI said so" is not a valid reason for a lending decision.

✅ Lenders must be able to explain why a decision was made.

Transparency matters.

📊 A NEW COMPLIANCE REALITY

Many AI platforms now create:

📝 Call transcripts
📧 Communication records
🤖 Automated client interactions

These records may become part of future audits and examinations.

In other words:

If an AI system says it...
Regulators may eventually expect you to be accountable for it.

💡 THE BIG LESSON FOR MORTGAGE PROFESSIONALS

AI can help improve efficiency.

But it should never replace:

👤 Human judgment
👤 Compliance oversight
👤 Responsible lending practices

The companies that will thrive in the AI era won't be the ones using the most technology.

They'll be the ones using it responsibly.

🔑 BOTTOM LINE

Technology is moving fast.

Regulation is catching up.

And in mortgage lending, trust, transparency, and accountability will always matter more than automation alone.

📲 Questions about today's mortgage market or financing options?

| 630-881-8655

🏡💡 MORTGAGE BASICS: WHY APR MATTERS 💡🏡When shopping for a mortgage, many buyers focus only on the interest rate.But here...
06/11/2026

🏡💡 MORTGAGE BASICS: WHY APR MATTERS 💡🏡

When shopping for a mortgage, many buyers focus only on the interest rate.

But here's the catch...

👉 The lowest rate doesn't always mean the lowest cost loan.

That's where APR (Annual Percentage Rate) comes in.

📌 Interest Rate
The cost of borrowing money and the number used to calculate your monthly principal and interest payment.

📌 APR
The total cost of the loan, including the interest rate plus certain lender fees, discount points, and mortgage insurance (when applicable).

Here's a simple example:

🏠 Loan A
• Interest Rate: 6.00%
• APR: 6.23%
• Loan Costs: $12,000
• Monthly Payment: $2,398

🏠 Loan B
• Interest Rate: 6.00%
• APR: 6.075%
• Loan Costs: $4,000
• Monthly Payment: $2,398

Same rate.
Same payment.

But Loan B has significantly lower loan costs.

💡 That's why comparing APRs can help you see the bigger picture when evaluating loan offers.

⚠️ APR isn't the only factor to consider, especially if you don't plan to keep the loan long-term, but it can be one of the most valuable tools for comparing similar mortgage options.

🔑 The best mortgage isn't always the one with the lowest rate.

It's the one that best fits your goals, timeline, and financial situation.

Have questions about rates, APR, points, or loan options?

📲
630-881-8655

🏡📈 WHAT A GREAT WAY TO KICK OFF THE WEEK!Hey Melanie Rybarski & Laura Sandoval,What a fantastic way to start the week — ...
06/08/2026

🏡📈 WHAT A GREAT WAY TO KICK OFF THE WEEK!

Hey Melanie Rybarski & Laura Sandoval,

What a fantastic way to start the week — another successful investor has just secured four rental properties generating income.

🎉 Von — congratulations on your new investment!
We wish you continued success, growth, and abundance as you build and expand your portfolio.

Thank you for the opportunity to assist you with this transaction. We truly appreciate your trust and look forward to supporting you again in the future as your trusted mortgage advisor.

If you ever have questions about your mortgage or broader financial strategy, please don’t hesitate to reach out. And if we can’t directly assist, we’re connected with a strong network of financial professionals who can help guide you in the right direction.

🤝 And to our network — if you know friends, family, or coworkers who are thinking about buying, investing, or refinancing, we would be grateful for your referral.

👉 You could be our next investor.

📲
630-881-8655

🏡🎉 DID YOU KNOW? JUNE IS NATIONAL HOMEOWNERSHIP MONTH! 🎉🏡Homeownership is about so much more than a mortgage or a monthl...
06/05/2026

🏡🎉 DID YOU KNOW? JUNE IS NATIONAL HOMEOWNERSHIP MONTH! 🎉🏡

Homeownership is about so much more than a mortgage or a monthly payment.

It's about...

🔑 Building wealth over time
🏠 Creating a place that's truly your own
👨‍👩‍👧‍👦 Making lifelong memories with family and friends
🌳 Becoming part of a community
💙 Having stability and a foundation for the future

Today's buyers want more than financing options.

They want:
✅ Guidance
✅ Confidence
✅ Education
✅ A trusted professional who understands the journey

Buying a home can feel overwhelming, but it doesn't have to be.

The most important part isn't finding the lowest rate or the perfect headline...

👉 It's having the right strategy and the right team beside you every step of the way.

Whether you're a first-time buyer, moving up, downsizing, or investing, homeownership remains one of the most powerful tools for building long-term financial security.

🏡 If homeownership is one of your goals for 2026, let's start the conversation today.

📲 | 630-881-8655

🏡📉 MORTGAGE RATES FALL FROM A 9-MONTH HIGH — IS RELIEF FINALLY HERE?After reaching their highest level since last summer...
06/04/2026

🏡📉 MORTGAGE RATES FALL FROM A 9-MONTH HIGH — IS RELIEF FINALLY HERE?

After reaching their highest level since last summer, mortgage rates finally moved lower this week, giving buyers and homeowners a small but welcome break.

📊 Current Rate Snapshot
• 30-Year Fixed Mortgage: 6.48%
• Down from 6.53% last week
• One year ago: 6.85%

While it's not a dramatic drop, it's a step in the right direction.

💰 AFFORDABILITY IS IMPROVING

According to Freddie Mac:

✅ Income growth is outpacing home price growth
✅ Home price appreciation has slowed
✅ Housing affordability is gradually improving

That's good news for buyers who have been waiting for conditions to become more favorable.

🌎 WHAT CAUSED RATES TO FALL?

Recent geopolitical tensions pushed oil prices and Treasury yields higher, which helped drive mortgage rates upward.

With a temporary easing of tensions and a softer bond market, rates have backed off their recent highs.

📈 THE BIGGER PICTURE

Even with today's rates in the mid-6% range:

🏠 More inventory is becoming available
🏠 Sellers are becoming more flexible
🏠 Buyers have more negotiating power than they did during the pandemic frenzy

In many markets, affordability is improving for the first time in years.

🔮 WHAT'S NEXT?

The Mortgage Bankers Association currently forecasts mortgage rates to remain in the 6.1%–6.3% range through the remainder of 2026, assuming inflation continues to moderate.

While nobody can predict rates with certainty, the market appears to be moving toward greater stability.

🚨 BOTTOM LINE

Waiting for the "perfect" rate may not be the winning strategy.

The buyers who succeed often focus on:
✔️ Finding the right home
✔️ Negotiating favorable terms
✔️ Creating a plan that works for their budget

Because when rates eventually fall further, competition could return quickly.

📲 Questions about buying, refinancing, or understanding your options?

630-881-8655

Hey Melanie Rybarski and Laura Sandoval — what a PERFECT way to close out the workday with back-to-back closings! 🎉🏡Cong...
05/27/2026

Hey Melanie Rybarski and Laura Sandoval — what a PERFECT way to close out the workday with back-to-back closings! 🎉🏡

Congratulations Victor & Marilu on your new home!

Welcome back to Illinois!!!

We wish you nothing but happiness, success, and many great memories ahead.

Thank you for the opportunity to assist with your transaction. It truly means a lot to earn your trust, and we look forward to working with you again in the future. We hope you’ll continue to look to us as your trusted mortgage advisor for years to come.

Please never hesitate to reach out with any questions regarding your mortgage or financial needs. And if we can’t help directly, we have an outstanding team of financial professionals ready to assist.

Also, if you know any friends, family members, or coworkers thinking about buying, refinancing, or simply exploring their options, we would sincerely appreciate you passing our name along.

A big thank you to Kevin at Berkshire Hathaway for your trust and support once again!!!

Very best wishes and congratulations again! 🔑🏠

You can be next!

| 630-881-8655

Address

629 Washington Street
Naperville, IL
60540

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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