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JP Marzano | Mortgage Loan Officer & Credit Expert

@jpdoesloans

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NMLS #574681 | Co NMLS: #2670119 ClearFi Loans- Residential & Comm’l Contact me or apply ⬇️🏡

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We have some exciting news to share at ClearFi Loans—we are officially licensed in the State of Michigan! 🥳 This milestone brings our total footprint to 10 states, and we’re just getting started.
You can check out our full coverage map and services at: www.clearfiloans.com
Built by LOs, for LOs
At ClearFi, we aren’t just adding states; we’re building a foundation where Loan Officers actually have the products, control, and autonomy they need to thrive. We know what the daily grind looks like because this company was built by people who have lived it.
We are hiring soon! If you are an experienced LO—or know someone who is—and you’re looking for a platform that prioritizes your success and your sanity, let’s talk.
📩 DM me today to start a confidential conversation.
#ClearFiLoans #MichiganRealEstate #MortgageHiring #LoanOfficerLife #Expansion MortgageLending AutonomyInMortgage by @jpdoesloans

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7 months ago

How about some good news to hopefully boost home buying… #homebuyer #homebuying #home #homepurchase #rates #mortgage #mortgages by @jpdoesloans

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a year ago

Excited to announce my new company, ClearFi Loans. My business partner and I have close to 50 years of experience in mortgage lending. And by doing this ourselves, we’re able to provide even better service at a lower cost. We’re licensed in IL, TN, FL, TX, and AL with more pending (commercial loans can be done nationwide). It’s been a long journey to get here but it’s well worth it. Please help get the word out on this cool new mortgage company run by a couple of cool dudes. Thanks! #mortgage #loan #loanofficer #lending #home #homeowner #homebuyer #refinance #mortagebroker by @jpdoesloans

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2 years ago

🚨 Attention Military Homeowners 🚨

If your current VA Home loan is in the mid-6’s or higher, we need to connect asap! Special limited-time incentives from a couple of our lenders make it possible to now offer very low rates (it’s been a while since I’ve said that!).
** VA streamline (“IRRRL”) benefits:**
✅ No income verification ✅ No appraisal ✅ No termite report ✅ No underwriting fee ✅ Quick closing. If you’ve made at least 6 payments on your current VA loan, you’re eligible (certain other restrictions apply). This is a great opportunity - please DM me or email me: jp@jpdoesloans.com to discuss further. Please share if you know a someone with a VA loan. #valoans #valoan #refinance #military #vamortgage #vahomes #vahomeloan #mortgages by @jpdoesloans

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2 years ago

Look how excited these two are! They deserve to be after purchasing their dream home. It was great working with them again and I hope they invite me over to use the pool 😎 #homebuyers #homebuying #mortgage #homeloan #homeloans #homeownership #homeowner #homeowners by @jpdoesloans

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2 years ago

Home prices, rates, sports scores…all are predictable, but none are certain. If you can afford the home and want to buy it, then buy it. Waiting for things to get better means a more expensive purchase and lost equity. #homepurchase #homesweethome #homebuying #homebuyers #homebuyer #homeownership by @jpdoesloans

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2 years ago

Happy 248th birthday to the Marine Corps! And Happy early Veterans Day to all those that have served. Make sure to reach out to a service member and thank them for their sacrifice. I’d like to thank all of my Veteran clients for theirs, it’s a privilege to assist you. by @jpdoesloans

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3 years ago

Nothing better than an old school diner (and lounge of course) to finish off the rest of a summer like day in CA in November. @dickchurchs by @jpdoesloans

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3 years ago

It’s the toughest mortgage environment I’ve ever seen, but my team and I are still working hard and blocking out the noise! The result is another happy client. Great working with you again, Paul! by @jpdoesloans

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3 years ago

Qualifying for a mortgage loan requires preparation, planning, and patience. By following these steps, you can increase your chances of getting approved for a mortgage loan and achieve your dream of owning a home. ⬇️

🏦 Check your credit score: Your credit score is one of the most important factors that lenders consider when reviewing your mortgage application. Make sure you have a good credit score by paying your bills on time, keeping your credit utilization low, and checking your credit report for errors.

💵 Save for a down payment: Most lenders require a down payment of at least 3% to 20% of the home's purchase price. (There are 0% down programs - DM me for more info!)

💼 Maintain a stable income: Lenders want to see that you have a stable source of income that can cover your mortgage payments. Make sure you have a steady job or source of income and avoid changing jobs or taking on new debt before applying for a mortgage.

📉 Reduce your debt-to-income ratio: Your debt-to-income ratio (DTI) is the percentage of your monthly income that goes toward paying debts. You can reduce your DTI by paying off debts or increasing your income.

👨‍💼Shop around for lenders: Different lenders have different requirements and rates, so it's essential to shop around and compare offers from multiple lenders. This can help you find the best mortgage loan for your needs and budget.

DM me “DREAM HOME” to get started!
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#homebuyer #homebuyingtips #mortgage #mortgageloans #mortgagebroker #dreamhome #firsttimehomebuyer taken in Chicago, Illinois by @jpdoesloans

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3 years ago

Congrats to another happy Veteran on the purchase of his new home.
Really excited for him and his wife as they start this new chapter on the right foot.
Couldn’t have done it without their terrific agents (@melodykaelin) and Rickie Uhls.
All the best in your new home, Paul, you worked hard for this!
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#closingday #mortgagebroker #veteran #homebuyer by @jpdoesloans

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3 years ago

🔔 Unfortunately the dreaded time has come for student loan repayment to resume.

Did you know some mortgage loan program use different guidelines to calculate what payment amount to use when qualifying?

Swipe through to see the breakdown!➡️
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#studentloans #debt #mortgage #homebuyingtips #firsttimehomebuyer #credit #mortgagelender #dreamhome #homebuyer #chicago taken in Chicago, Illinois by @jpdoesloans

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3 years ago