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Malcolm Marcelle | Mortgage Broker & Real Estate Investor

@therealmrmarcelle

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🔥 F.I.R.E. Event Recap 🔥

What an incredible day.

Nearly 60 people came together with one goal: to learn, grow, and create more opportunities for themselves and their families.

A huge thank you to our incredible speakers and panelists @samiyrahbennettIcsw, @dr_rosche, and Lisa Kim for sharing their knowledge and experiences. Thank you as well to our amazing sponsors and partners @gratushce, @balanced.shea_, @downtownfinancialgroup, and @keysforcommunityheroes for helping make this event possible.

F.I.R.E. stands for Finances, Insurance, Real Estate, and Entrepreneurship, but at its core, this event was about community, education, and building a better future.

This is just the beginning.

Special thanks to @flowgenius for capturing the energy of the day and bringing it to life. 🎥🔥 taken in New York, New York by @therealmrmarcelle

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2 months ago

PROJECT $1.5M UPDATE 🚀

The vision is becoming reality.

After months of planning, building, and documenting every step of the journey, we’re preparing to open the doors to our new office this July.

Before the Grand Opening, we’re putting the finishing touches on our new home at:

📍 371 Sunrise Highway
Lynbrook, NY

This isn’t just an office. It’s a commitment to serving our community, helping families build wealth through homeownership, and creating opportunities for first responders, blue-collar workers, and future homeowners.

July is almost here. Let’s make history together.

#nycloanofficer #nycrealestate #newyork #realestate longislandrealestate loanofficer keysforcommunityheroes keysforheroes firstresponder bluecollar longisland brooklyn queens homeownership taken in Lynbrook, New York by @therealmrmarcelle

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2 months ago

If you’re thinking about purchasing a home within the next 6 months…⁠
⁠
This is exactly what you should be doing to prepare the right way.⁠
⁠
Here is a simple homebuyer checklist to get you positioned for approval.⁠
⁠
✅ Check your credit score and review your credit report for errors⁠
💰 Start saving for your down payment and closing costs⁠
📉 Pay down debt to improve your debt-to-income ratio⁠
📄 Gather documents like pay stubs, W-2s, and bank statements⁠
🏦 Avoid opening new credit cards or making large purchases⁠
📊 Track your income, especially overtime or variable pay⁠
📍 Research neighborhoods in NYC, Long Island, or your target area⁠
⁠
Preparation is what separates people who are “thinking about buying”…⁠
⁠
From people who are actually ready to win in this market.⁠
⁠
Once you’ve gone through this checklist…⁠
⁠
Come meet with a lender like me to see how you can get pre-approved and fully positioned before you start house hunting.⁠
⁠
Go to the link in my bio to learn more with @keysforcommunityheroes and take the first real step toward homeownership.⁠
⁠
#nycloanofficer #firsttimehomebuyer #homebuyingtips #realestateadvice #keysforcommunityheroes by @therealmrmarcelle

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2 months ago

What was the scariest moment in Dariel’s real estate career?⁠
⁠
Every agent has a moment that tests their confidence, decision-making, and resilience.⁠
⁠
This was one of those moments that changed how Dariel approaches clients and the business as a whole.⁠
⁠
Real estate is not just wins and closings.⁠
It is pressure, responsibility, and learning in real time.⁠
⁠
Check out this video to hear the full story.⁠
⁠
#realestatecareer #realtorlife #nycrealestate #behindthescenes #realestateeducation taken in NJ - New Jersey by @therealmrmarcelle

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2 months ago

If the economy is shifting and inflation is rising…⁠
⁠
The real question is not “Is it a good time to buy?”…⁠
⁠
It’s “Are you in a strong position?”⁠
⁠
✅ Do you have steady, reliable income - Are you a first responder or blue collar worker with consistent pay⁠
📈 Do you have stable overtime or additional income over time⁠
💳 Is your debt manageable and under control⁠
💰 Do you have savings for down payment and closing costs⁠
📊 Are you financially prepared for a monthly mortgage payment⁠
⁠
If you’re checking off most of these…⁠
⁠
You may be in a stronger position than you think.⁠
⁠
Inflation is not just affecting home prices…⁠
⁠
It’s increasing rent, cost of living, and long-term expenses.⁠
⁠
Waiting does not always equal saving.⁠
⁠
Real estate is about strategy, positioning, and long-term wealth building.⁠
⁠
Go to the link in my bio to learn more with @keysforcommunityheroes and see if you’re ready to make your move the right way.⁠
⁠
#nycloanofficer #homebuyingtips #firsttimehomebuyer #realestateadvice #keysforcommunityheroes by @therealmrmarcelle

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2 months ago

You’ve probably seen these ads all over YouTube, Facebook, Instagram, and TikTok…⁠
⁠
But this message is for you.⁠
⁠
@keysforcommunityheroes is speaking directly to people who are serious about purchasing a home within the next 90 days.⁠
⁠
🚔 First Responders: Police Officers, Firefighters, EMTs, Paramedics, Correction Officers, Probation Officers, Dispatchers, State Troopers, Federal Agents⁠
🦺 Blue Collar Workers: Electricians, Plumbers, Carpenters, Construction Workers, HVAC Technicians, Mechanics, Welders, Truck Drivers, Sanitation Workers, Utility Workers, Linemen⁠
🏫 Public & City Workers: School Teachers, Paraprofessionals, School Safety, Nurses, Healthcare Workers, City Employees, Transit Workers, Government Employees, Union Workers⁠
⁠
If you fall into one of these categories…⁠
⁠
And you are ready to stop renting and start building real ownership and long-term wealth…⁠
⁠
This is where you need to be.⁠
⁠
📅 LIVE Homebuyer Webinar — Monday at 7PM⁠
💬 Live Q&A to get your questions answered in real time⁠
🎤 Hosted with our amazing moderator @rosecreatescontent⁠
⁠
This is not a generic presentation…⁠
⁠
This is real information for people who are actually ready to move.⁠
⁠
Go to the link in my bio to learn more with @keysforcommunityheroes and secure your spot now.⁠
⁠
You’re not going to want to miss this.⁠
⁠
#nycloanofficer #firstresponders #bluecollarworkers #firsttimehomebuyer #keysforcommunityheroes by @therealmrmarcelle

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3 months ago

You’ve probably seen these ads all over YouTube, Facebook, Instagram, and TikTok…⁠
⁠
But this message is for you.⁠
⁠
@keysforcommunityheroes is speaking directly to people who are serious about purchasing a home within the next 90 days.⁠
⁠
🚔 First Responders: Police Officers, Firefighters, EMTs, Paramedics, Correction Officers, Probation Officers, Dispatchers, State Troopers, Federal Agents⁠
🦺 Blue Collar Workers: Electricians, Plumbers, Carpenters, Construction Workers, HVAC Technicians, Mechanics, Welders, Truck Drivers, Sanitation Workers, Utility Workers, Linemen⁠
🏫 Public & City Workers: School Teachers, Paraprofessionals, School Safety, Nurses, Healthcare Workers, City Employees, Transit Workers, Government Employees, Union Workers⁠
⁠
If you fall into one of these categories…⁠
⁠
And you are ready to stop renting and start building real ownership and long-term wealth…⁠
⁠
This is where you need to be.⁠
⁠
📅 LIVE Homebuyer Webinar — Monday at 7PM⁠
💬 Live Q&A to get your questions answered in real time⁠
🎤 Hosted with our amazing moderator @rosecreatescontent⁠
⁠
This is not a generic presentation…⁠
⁠
This is real information for people who are actually ready to move.⁠
⁠
Go to the link in my bio to learn more with @keysforcommunityheroes and secure your spot now.⁠
⁠
You’re not going to want to miss this.⁠
⁠
#nycloanofficer #firstresponders #bluecollarworkers #firsttimehomebuyer #keysforcommunityheroes by @therealmrmarcelle

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3 months ago

The truth about being an insurance broker is not what most people think…⁠
⁠
@justjichelle shares the real side of the industry and answers the questions most people are too afraid to ask.⁠
⁠
It’s not just about policies and premiums…⁠
⁠
It’s about navigating client fears, complex coverage options, underwriting guidelines, and real financial risk.⁠
⁠
There are conversations happening behind the scenes that most homeowners never hear…⁠
⁠
About coverage gaps, claim realities, pricing strategies, and what actually happens when something goes wrong.⁠
⁠
The difference between a good broker and a great one?⁠
⁠
Transparency.⁠
⁠
Education.⁠
⁠
And putting the client first—even when the answers are not easy.⁠
⁠
If you are a homeowner, first-time buyer, or planning to purchase…⁠
⁠
Understanding how home insurance, risk management, and financial protection really work is critical.⁠
⁠
Go to the link in my bio to learn more with @keysforcommunityheroes and make sure you’re working with professionals who keep it real from day one.⁠
⁠
#nycloanofficer #insurancebroker #homeinsurance #realestateadvice #keysforcommunityheroes by @therealmrmarcelle

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3 months ago

Nothing beats getting the team together outside the office…

Our team management pool event was one for the books.

And yeah… my pool game might not be where I want it to be yet 😂

But I’m learning new tricks every day.

That’s what it’s about though… growth, support, and showing up for each other beyond just business.

Shoutout to the Synergy Team and Downtown Financial Group for making this happen.

Moments like this are exactly why team support and company appreciation matter so much…

It’s how you build real connections.

It’s how you strengthen a team.

#teamculture #companyculture #networking #growthmindset #leadership taken in Westchester NY by @therealmrmarcelle

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3 months ago

Your biggest sales advantage in real estate is not talent…⁠
⁠
It’s your ability to handle rejection and keep showing up.⁠
⁠
@emanuelochoany breaks down how learning to prospect, approach people, and stay consistent completely changed his experience in the business.⁠
⁠
Most people avoid rejection…⁠
⁠
But in real estate, rejection is part of the process.⁠
⁠
Every “no” is a step closer to a “yes”…⁠
⁠
If you’re actually learning from it.⁠
⁠
The agents who win are the ones who are willing to have conversations, build relationships, and stay visible, even when it’s uncomfortable.⁠
⁠
Prospecting is not about being pushy…⁠
⁠
It’s about being present, curious, and intentional when you connect with people.⁠
⁠
If you’re not putting yourself out there…⁠
⁠
You’re invisible.⁠
⁠
And invisible agents don’t close deals.⁠
⁠
Go to the link in my bio to learn more with @keysforcommunityheroes and start building the skills that actually move your business forward.⁠
⁠
#realestateagent #salesmindset #prospecting #realestateadvice #keysforcommunityheroes by @therealmrmarcelle

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3 months ago

You’ve probably seen these ads all over YouTube, Facebook, Instagram, and TikTok…⁠
⁠
But this message is for you.⁠
⁠
@keysforcommunityheroes is speaking directly to people who are serious about purchasing a home within the next 90 days.⁠
⁠
🚔 First Responders: Police Officers, Firefighters, EMTs, Paramedics, Correction Officers, Probation Officers, Dispatchers, State Troopers, Federal Agents⁠
🦺 Blue Collar Workers: Electricians, Plumbers, Carpenters, Construction Workers, HVAC Technicians, Mechanics, Welders, Truck Drivers, Sanitation Workers, Utility Workers, Linemen⁠
🏫 Public & City Workers: School Teachers, Paraprofessionals, School Safety, Nurses, Healthcare Workers, City Employees, Transit Workers, Government Employees, Union Workers⁠
⁠
If you fall into one of these categories…⁠
⁠
And you are ready to stop renting and start building real ownership and long-term wealth…⁠
⁠
This is where you need to be.⁠
⁠
📅 LIVE Homebuyer Webinar — Monday at 7PM⁠
💬 Live Q&A to get your questions answered in real time⁠
🎤 Hosted with our amazing moderator @rosecreatescontent⁠
⁠
This is not a generic presentation…⁠
⁠
This is real information for people who are actually ready to move.⁠
⁠
Go to the link in my bio to learn more with @keysforcommunityheroes and secure your spot now.⁠
⁠
You’re not going to want to miss this.⁠
⁠
#nycloanofficer #firstresponders #bluecollarworkers #firsttimehomebuyer #keysforcommunityheroes by @therealmrmarcelle

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3 months ago

If you’re a police officer, calculating your income for a mortgage is not always straightforward.⁠
⁠
We understand how overtime, variable hours, and different pay structures can impact how your income is viewed during the mortgage approval process.⁠
⁠
Most lenders don’t take the time to properly break this down…⁠
⁠
Which can lead to you being underqualified on paper even though you earn more in reality.⁠
⁠
When you work with someone who understands how to calculate base salary, overtime, detail pay, and consistent earnings correctly…⁠
⁠
You position yourself to get approved for the maximum loan amount you actually qualify for.⁠
⁠
This is especially important for NYPD, law enforcement, and first responders buying in NYC and Long Island where every dollar of buying power matters.⁠
⁠
Your income should be calculated accurately…⁠
⁠
Not conservatively.⁠
⁠
Go to the link in my bio to learn more with @keysforcommunityheroes and make sure your income is being used the right way to maximize your approval.⁠
⁠
#nycloanofficer #firstresponders #nypd #mortgagetips #keysforcommunityheroes by @therealmrmarcelle

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3 months ago