Angel Cordero Loan Officer NMLS 1220249

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Angel Cordero Loan Officer NMLS 1220249 Angel Cordero | Mortgage Loan Officer
NMLS #1220249
At AnnieMac Home Mortgage | NMLS #33
(1)

🏡 Helping families buy, refinance & save in Rhode Island, Massachusetts & Connecticut
💰 Down Payment Assistance Expert
⭐ 115+ 5-Star Reviews
📲 Let’s get you home!

🏢 You can have an 800 credit score, 25% down, perfect income — and still get DENIED on a condo.Not because of you. Becau...
10/22/2026

🏢 You can have an 800 credit score, 25% down, perfect income — and still get DENIED on a condo.

Not because of you. Because of the building.

Since Aug 3, 2026, Fannie Mae & Freddie Mac require a Full Review on most established condo projects. If the project fails — weak reserves, litigation, deferred maintenance, insurance gaps — it becomes "non-warrantable," and conventional financing is off the table.

Check before you write the offer: HOA budget & reserves, reserve study, master insurance, litigation, special assessments, delinquency rates.

📲 Message me with CONDO and I'll review the project with you.

Angel Cordero, AnnieMac Home Mortgage — Momentum Group, NMLS #338923. Equal Housing Lender.

Heads up for my realtor partners: appraisals change November 2, and it affects your closing timelines.Fannie Mae and Fre...
10/21/2026

Heads up for my realtor partners: appraisals change November 2, and it affects your closing timelines.

Fannie Mae and Freddie Mac are replacing fixed forms (like the 1004) with one flexible report — UAD 3.6 — that adapts to the property: condo, accessory apartment, outbuilding.

The trigger date is November 2, 2026: new reports first submitted to the Fannie/Freddie portal on or after that date must use UAD 3.6. It's the submission date, not the closing date. (Conventional loans; FHA, VA, USDA are on separate timelines.) Update: lenders can request an exception to keep the old format through May 19, 2027.

Expect more documentation — room-by-room condition details, roof age, photos of every bedroom and living area — and longer turn times. Order early and confirm the fee and delivery date.

Closing after November 2? Comment or DM me and we'll plan for it.

Angel Cordero | AnnieMac Home Mortgage — Momentum Group · NMLS #338923 · Equal Housing Lender.

🏠 Move-up buyers, this one's for you.Under Fannie Mae's new rules (SEL-2026-08), you NO LONGER need a signed lease on yo...
10/20/2026

🏠 Move-up buyers, this one's for you.

Under Fannie Mae's new rules (SEL-2026-08), you NO LONGER need a signed lease on your current home for its rental income to help you qualify for the next one.

Instead, the lender documents market rent — through an appraisal, a Form 1007, or a market analysis (MLS, Zillow, Redfin with 3+ comps) — and runs: Market Rent × 75% − PITIA.

Two catches to know:
→ If that number comes out positive, it only offsets the payment on the home you're leaving. It's NOT added to your income.
→ With less than 12 months of landlord experience, expect to show 6 months of that payment in reserves.

Realtors — stop telling move-up buyers to "just get a tenant first." The lease isn't the measurement anymore. Get the lender involved early.

📲 Message me with RENTAL and I'll run your numbers the way an underwriter would.

Angel Cordero, AnnieMac Home Mortgage — Momentum Group, NMLS #338923. Equal Housing Lender.

That feeling when you walk into a home and just know. But knowing isn't enough if you're notfinancially ready to act. Ge...
10/19/2026

That feeling when you walk into a home and just know. But knowing isn't enough if you're not
financially ready to act. Get pre-approved today, so when the right one shows up, you're ready to move!

https://myoc.io/Bm26d

🏢 Condo buyers — the rules just changed, and the BUILDING matters as much as you do.Fannie Mae & Freddie Mac rewrote con...
10/15/2026

🏢 Condo buyers — the rules just changed, and the BUILDING matters as much as you do.

Fannie Mae & Freddie Mac rewrote condo project standards this year:

→ The fast lane is GONE. Limited Review retired Aug 3, 2026 — most established projects now need a Full Review (budget, reserves, insurance, litigation, assessments, building condition).
→ Reserves jump 10% → 15% on Jan 4, 2027. Budgets must show 15% of annual assessment income going to reserves.
→ Good news: small projects (2–10 units) get expanded waivers, investor caps eased, more insurance flexibility.

A buyer with an 800 credit score can still get denied — because of the BUILDING, not the borrower.

📲 Message me with CONDO and I'll run a project review on the building.

Angel Cordero, AnnieMac Home Mortgage — Momentum Group, NMLS #338923. Equal Housing Lender.

¿Y si esta Navidad la celebras en TU propia casa? 🎄🏠Este sábado 17 de octubre a las 11:00 AM te esperamos en Cranston pa...
10/14/2026

¿Y si esta Navidad la celebras en TU propia casa? 🎄🏠

Este sábado 17 de octubre a las 11:00 AM te esperamos en Cranston para el seminario gratuito 100% en español: Tu casa para las fiestas.

Hablamos de cómo comprar tu casa, DSCR, bank statements y números reales — sin tecnicismos. Comida incluida.

Con Angel Cordero, Dinorah Reyes, Helene Dominguez y Kaila Cosme.

📍 15 Gansett Ave, Cranston RI
Envía FIESTA al (401) 594-8956 para apartar tu lugar.

Educación solamente — sin promesas de aprobación ni resultados.

Angel Cordero | AnnieMac Home Mortgage — Momentum Group · NMLS #338923 · Equal Housing Lender

🏠 The rent rules just changed — and it affects your next move.Fannie Mae issued SEL-2026-08: new rental income rules len...
10/13/2026

🏠 The rent rules just changed — and it affects your next move.

Fannie Mae issued SEL-2026-08: new rental income rules lenders can use right now, required on all applications dated Nov 1, 2026 or later.

The big ones:
→ A signed lease can NO LONGER establish rental income on your departing residence — market rent must be documented (appraisal, Form 1007, or market analysis)
→ New math: Market Rent × 75% − PITIA. Positive only offsets that home's PITIA; negative gets added to your DTI
→ Airbnb / short-term rental income: 50% factor with qualified data, tighter limits
→ Investment property bought within 45 days of applying? A lease alone won't cut it

Realtors — your move-up buyers need to hear this BEFORE they list or sign a lease.

📲 Message me with RENTAL and I'll run your scenario the way an underwriter would.

Angel Cordero, AnnieMac Home Mortgage — Momentum Group, NMLS #338923. Equal Housing Lender.

🎄 ¡Hoy es el día!Te esperamos HOY a las 11:30 AM en Juliana's Restaurant, Providence.Seminario GRATIS para compradores d...
10/10/2026

🎄 ¡Hoy es el día!

Te esperamos HOY a las 11:30 AM en Juliana's Restaurant, Providence.

Seminario GRATIS para compradores de casas + almuerzo gratis. Trae tus preguntas — saldrás con un plan claro.

📲 ¿Aún no reservaste? Envía CASA al (401) 594-8956.

Angel Cordero, AnnieMac Home Mortgage — Momentum Group, NMLS #338923. Equal Housing Lender.

Address

551 South Water Street Suite 555
Providence, RI
02903

Telephone

+14012251797

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