Expert Home Buying Advice From Scott DiGregorio

Learn everything you need to know when starting your home buying journey

“Ask Your Mortgage Guy” Videos

Ask Your Mortgage Guy Mar 6 2020

What the heck is going on with rates and when you should AND SHOULDNT refi! Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Jan 31 2020

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Jan 24 2020

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Dec 6 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Nov 22 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Nov 8 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Oct 25 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Oct 18 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Sep 27, 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Sep 20 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Aug 30 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Jan 17 2020

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Sep 6 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy Aug 23 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy June 28 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy June 21 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy June 14 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy March 31 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy May 17 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy May 10 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy May 3 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy April 26 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy April 19 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy April 12 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy March 29 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy March 8 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy March 1 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Feb 22 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy Feb 15 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Ask Your Mortgage Guy Jan 18 2019

I have a whole bunch of videos series ready make sure to visit my website. Questions or inquiries feel free to call : (239) 216-9358

Ask Your Mortgage Guy Jan 4 2019

Feel free to watch Ask Your Mortgage Guy where I answer several questions about mortgages, loans, financing and more!

Everything You Need To Know About Reverse Mortgage

Am I Signing Over My House to the Bank?

Opening this new series with this is a question I get asked very often “Am I going to sign over my house to the bank on reverse mortgages?”… the answer.. is on my video! 👍

Reverse Mortgages and Your View on Inheritance

Listen, reverse mortgages have a bad rap and a lot of that has to do with the way the program worked BEFORE the changes. There are now tons of protections built into the loan nowadays to protect people. That being said though, there still needs to be some tough conversations about whether or not this might be good for you. The first one, in my opinion, is to think though your inheritance mindset. In this video, I provide some good food for thought so you can figure out the pros and the cons 👌👌

Receiving Your Reverse Mortgage Loan

Ok, so how are you going to get your funds on a reverse mortgage? 🤑 There are 4 different ways to get them, but in this video I will share a secret that maybe just few already know…. the big reveal is on my video make sure to watch to know more! 👆👆

Good News! Reverse Mortgage on Credit and Income

You may be thinking “can I get a reverse mortgage on a bad credit?” perhaps you wanted to ask “I have low income,, will I qualify for a reverse mortgage?” the answer is mind blowing you wouldn’t believe it. In this short video I have revealed the answer, see for yourself. 👌

How Much Can You Borrow?

So how much can you borrow on a reverse mortgage? In this video, I give you the details you need to know! So enjoy and watch the video! 😉👍

Cons of Reverse Mortgages

Everything in life has pros and cons, and reverse mortgages are NO exception. There are several items I mention in this video that most people don’t know. Do understand that this product is great for the RIGHT person 👆. Make sure to see the video and know other details.

Can a Reverse Mortgage Help Eliminate your Monthly Payments?

The answer is Yes, awesome right? However the devil is in the details. So what are those details? If you are in need of financial help and you think that a reverse mortgage is the right path for you..this video is for you! 👍

Reverse Mortgage to Generate Monthly Income

Planning ahead makes your life easier. And if you haven’t thought of doing using your equity to generate monthly income then you should watch this.🙌 There are two ways you can do this. What are those 2 ways?✌️ Watch the video to know those options!

When and How To Pay a Reverse Mortgage Back

So, you’re thinking about using your equity to help with your financial situation, but you are afraid that it might hurt your heirs? You don’t need to worry and I explain why in this video.

Reverse Mortgage Used as a Purchase Mortgage

If you are in a situation where you have low income, with not enough funds to buy a home and when you are at the right age, this program may be perfect for you! How can you apply? 👆 watch this short video as I explain how it is possible to use a reverse for purchase and ✌️ call or DM me I am always happy to help!

What Happens to Your Equity When You Pass Away?

Back in the day, when you did a reverse mortgage, you were basically signing your home over to the bank AND IT DOESN’T WORK THAT WAY ANYMORE,👩 🧑 no bank can take your home away from you or your heirs when the time comes.

What Happens When You Owe More than your Home is Worth?

What Happens When You Owe More than your Home is Worth? (Don’t’ worry – your heirs are not going to be hurt) This is one of the biggest misconceptions about this financial tool! 👍 In this video I have explained several steps of what your heirs will do when this situation happens. 👆

Expert Tips On Selling Your Home

Understanding Market Statistics

Back with this awesome new series and this time you may wonder …. why the heck am I talking about selling a home? Look there is a ton of bad information out there and I need to clear it all up. I have been a real estate trainer at the local and state level for over 15 years so I have learned the tips and tricks you need to consider before listing your home for sale. You don’t want to miss one episode of this. 😁 In this video I talked more about know the right value of your home. A lot of misinformation out there and I am here to clear the air.

Are You Considering Selling Your Home For Sale By Owner?

Are you thinking of selling your home For Sale By Owner? Technology of today helps FSBOs sell their home 🏠 online. BUT there may be issues along the way that affect selling a home if you do it yourself. 👆 There are a lot of things you need to understand before making that decision and in this video, I explain some of the biggest. The process of selling is NOT a walk in the park… Let me tell you more on my video. 👆

Should You List Your Home with a Discount Brokerage?

Now this question bears not just a little but a heavy weight because a lot of new offers and trends are coming out online and most of them are….. Hmmmm… meh?! You need to be mindful in making decisions especially when we are talking about selling your home. 👆👆 A lot of “cheap” “easy” offers are out there… but the real question is… Will you get what you pay for in the long run? The answer lies in my video make sure to watch til the end!

Properly Staging and De-Cluttering Your Home MATTERS!

One of the biggest challenges people have in selling their home without an agent is proper staging and proper staging can impact the selling price in a big way – learn the secrets here…. More about decluttering and how to properly stage your home on my video. Keep watching! Enjoy!

Financial Ways to Make Your Home More Salable

So you have taken the photos, listed the home online, blasted out to your friends that you are selling a home. But have you thought about adding more “bang” to your listing? In this video I have listed.

Home Repairs

Have you thought of repairing some utilities or even cosmetically updating your home before you sell it? or leave it as is? Aside from tidying up to stage your home. If you are already thinking of selling, consider to repair or update your home as it will benefit you in return. 👍🤩 In this video, I give you some of the easiest and most inexpensive ways to maximize your selling price!!! Be sure to watch if you are considering selling your home anytime soon.

Top 5 Questions to Ask an Agent Before You Hire Them

Think about the concept of driving a car, you have a license to drive but there are only a few that are PROFESSIONALS – Those who are really GREAT at what they do. Same as hiring an agent to sell your home. There are a lot of licensed agents out there but only a few are professionals. In this video I outline the top 5 questions you need to ask before you hire an agent 🤩 YOU NEED A PRO because this is your home we are talking about selling.

Don’t Skimp in this one area

I see more and more people make this same mistake and I need to help everyone avoid it. This is such an easy thing to help get your home sold quickly and for the highest possible price.👆 If you are considering hiring an agent and they are about to make this mistake – WRONG AGENT! BTW – if you need a good agent – hit me up – I know some of the best. C – YA!

What Could YOU Do to Get Your Home Sold

Listen, you can’t just leave the home in your agent’s hands, I know most of the job will be done by your agent, but shouldn’t you be involved in someway too? You can leave all the legalities, posting listings, online marketing and other promotions to your agent.🏠🏠 But you can also take part of the process by doing several simple things. Let me explain more on my video. 😀

So You Are Not Getting Showings, Now What?

So here we are you have done everything, hired a good agent you trust, cleaned your home, removed the clutter even did a couple of cosmetic updates. But for some reason you are not getting any showings!! Why is that? What could you have done wrong?😪 Hmm… I can think of 2 reasons why, learn more about it on my video! 🤯

Are You Getting Showings But Getting No Offers?

So you are getting showings but offers are…zilch…nada…none…zero… I hate to be the bringer of bad news.. but.. it might be your home! 👆 there are a couple of tips that I can share with you to turn your luck around. Maybe there is one thing that you could do🙅‍♀️ 🙅‍♂️ that can change the outcome. More about this on my short video!

How to Properly Select an Agent

Properly selecting an agent is very critical when you decide to sell or buy your home because there are a lot of factors that go along in this decision. Friends in the business? A top producer? Or, maybe someone brand new? Let me give you my 2 cents in this video. And remember, there are no RULES with this – every situation is unique 🤝

Know This First Before You Price Your Home

Most people don’t know this trick. 👆👆But do you know that understanding the way people look for home online has to be a factor in your pricing strategy? Let me tell you more about it here.

Proper Pricing Strategy

You don’t need any elaborate method to figure what to price your home for. But let me tell you this – planning and pricing your home way too high WILL KICK YOU IN THE NUTS! 😫 In this day and age, people can gather data and know what your home is really worth without even going to showings!! Check out my other tips in the vid!

Credit Scores: Everything You Need To Know

What are Credit Scores?

Back again with an awesome series…🙌Everything Your Need to Know About Credit Scores. 🙌 In this short video I have laid out the 5 components of credit scoring so make sure to watch til’ the end! Enjoy!

FICO booklet A GIFT to YOU

Hey there! Instead of giving you tips today, I want to share and provide you with the link to My FICO Booklet! Feel free to download it here! I have used this booklet for years to help my clients (and I) learn EXACTLY how credit scores work. Download, read it, improve your credit – BAM!

Top 5 Tips to Improve Your Credit Score 1

I know improving your credit score can be a steep hike, I know because I have been there. All the more reason why I came up with this video… I have listed my top 5 tips and some of them will definitely shock you.😱 Make sure to watch the whole video so you don’t miss any of these great tips!

What Credit Score do You Need to Qualify?

There are a lot of new programs out there and in this video I give you a ballpark figure of what you need to qualify for all of the various programs out there.

How Many Types of Credit Scores Are There?

I ask you this… do you know how many types of credit scores are available now? The number will blow your mind!🤯🤯 The score you pull yourself is worthless and I explain why on my video! This is one you really don’t want to miss.

When Do Things Fall Off From Your Credit?

Do you know that it does NOT take weeks or months for things to fall off of your credit? 😱 Regardless if it’s just a minor gap or what not. It takes YEARS for those records to fall off of your credit report. Know the exact years depending on your situation on my video. 👌 Once you know the timelines, you can start to plan your world – knowledge is power.

Paying Off a Collection Drops Your Credit Score

Wait.. what? Paying-off a collection drops my credit score??? Yes, you see the title right. In this video I have explained how and what the right move is in paying off collections. A good credit score impacts so many areas of your life and most people don’t know how they work – you definitely don’t want to miss this video!

Why You Can’t Pay Off Your Charge Off Accounts

Back again with another mind blowing FYI about credit scores…🤯 🤔You cannot pay off you charge off accounts… Want to know why? Let me tell you why on my video!

Credit Building HACKS

Do you know that it does NOT take weeks or months for things to fall off of your credit? 😱 Regardless if it’s just a minor gap or what not. It takes YEARS for those records to fall off of your credit report. Know the exact years depending on your situation on my video. 👌 Once you know the timelines, you can start to plan your world – knowledge is power.

Disputed Accounts…What??!

Very few people know how disputed accounts impact your credit score and your ability to get a mortgage. Watch this video so you know the insider info!

A Savings Account Can Help Your Credit

Have you heard about Murphy’s law? have you been in a situation where one problem adds up to another at the same time or day? And most of the time this law is messing with people’s money and spending and at most times it hits you RIGHT WHERE IT HURTS! Tell you what, in this video I have explained how you can duck and avoid “Murphy’s” punches and prevent yourself being knocked out!

Setting Up An Emergency Fund

So look, how do you set up an emergency fund? In this video I have this ultimate TIP on what to do when you start setting up an emergency fund. It is just a neat and awesome trick. To tell you frankly when I learned this trick, it helped me cope to any types of gut wrenching issues that involves “Murphy”.

Cash is KING – The best budgeting advice you’ll ever hear

This topic is very important to me and the reason why I am sharing this is because I want this advice to change how people think about budgeting, alloting, prioritizing money in general. I hope you find some valuable information in this video because doing the tips I mention here will put you on a path to financial independence – as it did for me. Enjoy!

How To Get Mortgage READY

I have talked a lot and covered a lot of different topics about credit, saving, etc.. this time I am sharing how to get you MORTGAGE READY. Exciting stuff! I revealed the 2 other obstacles that people run into and what you should be thinking about to get you started!

Get Access to My Resources

have talked a lot and covered different topics about credit, savings, establishing credit, how to get mortgage ready etc.. I am very excited to share to you my resources where you can get access to loads of videos and information.

How To Start Investing In Real Estate

What Type of Investor Do You Want to be?

I want to start off this new series with a question. What type of a real estate investor do you want to be? 🤔 In this video, I break down the 3 types of investing you can do to help you finally decide what type of Real Estate investor you can and should be. 🤑 🙆‍♂️ As always, pros and cons to each and I discuss those as well.

Different Types of Investment Properties

On the kick-off episode, I discuss what type of investor do you want to be? Let’s discuss the 3 properties types you can invest in. Again, a lot of choices there and there are pros and cons to everything. Perhaps this episode will help you figure out where and what you should be putting your money in. Watch the entire series to know more about real estate investing.

Five Biggest Mistakes New and Seasoned Investors Make

We all make mistakes and a lot of times it is a pain in the butt! 😱😖 In this video I have listed the 5 most common mistakes investors make and how you can avoid them. Do you want to start investing in real estate? Real estate is a key to wealth and every millionaire knows that – start learning the tips and tricks now!

How Much Money Do You Need to Get Started

I get asked about this a lot, “How much money do I need to get started?”. 💵 Per Fannie Mae and Freddie Mac guidelines we go for 15%, there is a big BUT there are some solid tips and tricks that can dramatically cut that figure down to as little as 3-5%!!! Watch my video for the specifics.

How Many Properties Can Be Financed

On the previous video I discussed how much money do you need to get started on real estate investments. In this video I talked about how many properties you can finance.. and I tell you, you wont believe the number 😲 and the fact that YOU CAN actually finance it… well, that’s pretty sweet.

Tenant Strategies

Look, it’s all about tenants…and in this video I have explained how you can sustain that income property better. There are 5 main tenant strategies that the big boys know. Most people don’t know them and that is why I have outlined all 5 of them in this video. 🧐🙌 Please enjoy!

Income tax strategies that most people don’t know about

Building up an investment portfolio has to do with a lot more than just buying and managing properties. You also have to have a proper tax strategy and in this video, I lay out the strategies used by the big boys. You need to know them because not knowing them may cost you A LOT!

Should You Buy a Home Under a Corporation?

You have got to be careful, rules and loans change when you buy a property under a corporation. I have explained in my video the 2 types of loans and the pros and cons of each.

Should I Hire a Management Company?

Look there is no wrong or right answer here. The question you should ask yourself first before you decide whether you should hire a management company is “What is YOUR situation?” or “Do you have the time?”

Your Mortgage Guy Renovation Loans

Ep 1: Renovation Loans Everything You Need To Know – FHA 203K

I want to kick off this exciting new series with the most common type of renovation loan, the FHA 203K. You may not have heard about this, or you have already come across it but would want to know more… So your “what the..” and “how the..”🤔🤔 are simply answered on this short video.

Ep 2: Renovation Loans Everything You Need To Know – Different Down Payment Options

Like I said from my previous video there are A LOT of NEW programs out there for renovation loans. But you may already have started to ask yourself.. “How much do I have to put down?” 🤔 I have listed numerous types of renovation loan programs so make sure to watch this short video!

Ep 3: Renovation Loans Everything You Need To Know – Small Renovations

What if you saw the house you want, you loved it but it just needs a little bit of work?🤔. Do you know that you can still move forward and close on your new home despite those little repairs needed on the house? Guess what there is a very unique renovation program for those type of situations. Watch the video to know what it is.

Ep 4: Renovation Loans Everything You Need To Know – How Much Renovations Can You Do?

You may have already asked yourself..”How much renovation cost can I finance on a home?” Guess what, you can do a TON more than most people think, 🤑 in fact the options will blow your mind! 😱🤯 Let me tell you something really awesome on my video.

Ep 5: Renovation Loans Everything You Need To Know – What Can You Renovate

You may be asking yourself..”What Can I Renovate?” …… 🛠 Anything and everything … there are tons of renovation loan programs out there! More of those awesome programs on my video.

Ep 6: Renovation Loans Everything You Need To Know – Occupancy and Payments Needed

Ok, so you found a house that needs work. You may be thinking that while you are getting your home renovated, you are currently staying in a rental home. You may be worried of the payments on both.. tell you what… You DO NOT have to PAY for the mortgage of the house while you are having the home fixed!!! 🤯🤯 More about this on my video.

Ep 7: Renovation Loans Everything You Need To Know – Renovation Refinance Loans

Thinking of renovating your home on a refinance? YES it is possible! 😱 There are 2 ways to do renovation refinance loans and I have explained each on my video so make sure to watch it.

Ep 8: Renovation Loans Everything You Need To Know – Cons of Renovation Loans

Like I have said in most of my videos. its not all butterflies and rainbows, everything in life has pros and cons. You need to understand the cons or the negatives of renovation loans, 😱 you don’t have to be afraid of them, you just need to understand them because once you do. You can make better decisions and if you don’t, you can get burned. I summarized several items you need to know on my video be sure to watch til the end!

Ep 9: Renovation Loans Everything You Need To Know – FHA Energy Efficient Mortgage

Solar energy is becoming a thing and it will still trend as more and more people are more concious of the environment and alternative and more efficient ways to save energy and money. I know for a fact that electric bills are crazy expensive, gas prices are high and that’s not going to change in the future. Now you may be thinking of improving your home with a solar panel for heating and cooling or thinking of properly insulating your attic. 🏡 ♻️ Guess what, there is a specific loan for Energy Efficiency improvements for your house! Watch this short video to know more.

Home Buying Hacks You Should Know

10 Home Buying Hacks You Should Know – Tip #1: Other Expenses

So you qualified for a mortgage! Yey!! You already are planning what your bedroom would look like or the color of your kitchen… Perhaps you are already shopping for homes? PLEASE DON’T!. I have outlined the 10 biggest mistakes buyers make – mistakes that could cost big! If you are not familiar with CDD’s, assessments, The Save Our Homes Act, the Biggert-Waters Flood insurance reform act, and more then you need to watch these videos. It could save you from making a mistake.

10 Home Buying Hacks You Should Know – Tip #2: CDDs and Assessments

Thinking of moving to a new community? or thinking of buying another home. Look there are some details about the property tax bill that could raise your payments hundreds of dollars AFTER you buy your home. Don’t get caught in this homeownership trap, it can hurt you!

10 Home Buying Hacks You Should Know – Tip #3: Seller Pay Closing Cost

Asking the seller to pay for the closing cost is quite common and, like all things, there are pros and cons. Please also keep in mind that the seller is not actually paying for the closing costs – You are still paying for it… 😮 let me tell you about it on my video.

10 Home Buying Hacks You Should Know – Tip #4: Downpayment Options Pros and Cons

Look there are pros and cons to everything. I am not saying that others are ripping you off, or anything.. its a marketing thing. 🤷‍♂️ But to me I want to give you the TRUTH, what the perks are and also I will explain and let you know the quirks… You need to know these things.. why? because in the long run you do not want to regret your decision…. see my video to know more.

10 Home Buying Hacks You Should Know – Tip #5: Making decisions

This is the biggest mistake people make when buying a home – PLEASE don’t make it if you are out there shopping! 🤯 Let me tell you more about it on my video.

10 Home Buying Hacks You Should Know – Tip #6: Buy a Home at the RIGHT price

Back again with an awesome piece.. I speak from experience hear, I don’t just make up stories…this is REAL, everything in this video is from actual client situations where they get all excited and wanting to go all in. 🤑 In this video I give my expert opinion on why you should almost never buy a home at the max you are qualified for. Please don’t screw this one up – a few minutes watching this video will teach you an easy trick to know how much you SHOULD be spending on your next home. Enjoy!

10 Home Buying Hacks You Should Know – Tip #7: Points

Are you wondering how you pay points? and what points are and how d? I tell o you figure out if they make sense for YOU? DON’T go shopping without watching this entire series. I have detailed here how you can do the math yourself and see if paying points 💵 will benefit you or not.

10 Home Buying Hacks You Should Know – Tip #8: Interest Rates

If you think the government and the Federal Reserve controls mortgage rates, 🏛 you have to watch this video – finally someone giving the low down on what makes mortgage go up or down.

10 Home Buying Hacks You Should Know – Tip #9: Buy vs Rent

This topic has been an ongoing battle, but let me tell you honestly,, I can argue back and forth why buying is the way to go but I said something really shocking on my video so make sure to watch it.

10 Home Buying Hacks You Should Know – Tip #10: Best Time of the Year to Buy or Sell

In your opinion…. When do you think is the best time to buy a home or sell? Dec? May? July? Aug? we can name all the months in the calendar.📅 But let me tell you a secret. At most times now….. It don’t matter!!! Why? Watch my video for the answer.

Your Mortgage Guy DiGregorio Difference

DiGregorio Difference Ep 1: Shop w Bankers or Brokers

Have you already picked the home 🏠 you want or are still searching for a home? Now you may be wondering which would the best professional to consult with. Is it better to work with a bank? Or, is a broker the better option? In this video, I break down this heavily argued discussion.

DiGregorio Difference Ep 2: Why Use Me?

Are you thinking about getting prequalified? Have you already been prequalified? Do you know the “right” way the process should go? The truth is – most of the times, it is not done correctly and that can cost you BIG TIME! In this video, I explain ALL of the steps in the process if it is done right. A couple of minutes watching the video can save you years of aggravation and regret potentially.

DiGregorio Difference Ep 3: Upfront underwriting and why that matters to YOU!

Look, getting a mortgage is stressful and sometimes problems pop up. That is why we do the underwriting FIRST!👆 We will have your loan approval in a couple of days! That makes your offer better, saves you time and grief! There are a lot of reasons and experiences we faced back then which triggered changes with our underwriting. I am not saying nobody else is doing it, there are others who do the same thing.. but we just DO IT BETTER.

DiGregorio Difference Ep 4: Rates Lock n Shop

Are you shopping for a home? Are you worried that rates are going to go up and your payment will get out of hand? Don’t worry – I have an extremely unique program that allows you to lock in your interest rate for up to 6 MONTHS even if you have not yet found a home? More details on my video, the program is just amazing!

DiGregorio Difference Ep 5: What Programs Are Out There?

Have you been turned down for a home loan 🏡 before and never wanted to try again? Tell you what.. new programs are coming out most are not even aware of. Maybe you have been declined for a mortgage in the last 3 months or 3 yrs doesn’t matter.. There are loan programs now where self-employed people, people with bad credit, or other unique situations. 👌 Know more about these programs by watching this video.

DiGregorio Difference Ep 6: Debt Consolidation

Thinking of debt consolidation but you are too concerned of what numbers will show? 🤔 Or wanting too but you are hesitant because you are thinking that the credit pull will hurt your credit… Look, I can run the numbers for you and do a proper debt consolidation analysis without a hard pull on your credit and WITHOUT costing you any money!💵 Watch the video to know more!

DiGregorio Difference Ep 7: Its Not The End – What we do to get you qualified

This happens to everybody and I tell you this…. honestly….I despise telling people they are not qualified. But the thing is.. it should not stop there! My mindset is always WHEN, when can we get you qualified. YES it takes time to fix, rebuild, re-qualify etc.. But my point here is I make sure I don’t stop until I can get you the loan you need!

DiGregorio Difference Ep 8: Closing Experiences

The traditional process of how a loan closes sucks! We do things differently in 2 areas and they make all of the difference in the world.

DiGregorio Difference Ep 9: In-Depth Financial Analysis

I know I’ve talked in many videos about strategy sessions and part of those sessions are tools I use to make things more logical for clients. In this video I put more emphasis on Financial Analysis, 🏡buy vs rent, the 3 buckets, the negatives and how you should be looking at the numbers. All of those topics are in this video so watch it to know more!

DiGregorio Difference Ep 10: I can help you get your offer accepted!

Look, it is a terrible feeling when you find your dream home, make an offer and then find out that the seller rejected your offer. Watch this video for the 3 tricks I use to get my clients offers accepted – at the lowest possible price.

DiGregorio Difference Ep 11: Reliable Loan Process Through PRMI

Our new highly secure, online application DRAMATICALLY cuts down on the paperwork needed AND the time it takes to get you approved and closed. 👌 It is faster than a rocket! 🚀 The mortgage industry has been using email as its primary technology for far too long. We have leaped light years ahead. Let me tell you more on this video.

DiGregorio Difference Ep 12: How Our Loan Process is Different

I have got to be honest here, buying a house is not a walk in the park.. where you find a house for sale, send an offer.. then sign papers and move to your new home… Buying a home is STRESSFUL😖…. But one thing is for sure, I would always go the extra mile and start checking other boxes for you to make your home buying process less aggravating.

DiGregorio Difference Ep 13: What Happens After Closing

So you found a house, qualified for a loan, your offer got accepted, and closing day arrives and BOOM you now a proud owner of a home!🏡 But, now that you have closed, do you have a debt manager to help you? Do you know what debt management is? Watch this video – it may just open your eyes to an opportunity for more future financial security.

Your Mortgage Guy Cash Out Refinance

Ep 1: Cash Out Refinance: Debt Consolidation: How to Run the Numbers (Spreadsheet vs Livability)

Lots of people got into trouble pulling equity out of their homes before the crash. That is why we have got to be careful doing that. Like anything else in life, there is a right way and a wrong way to do things. I am going to do a whole series on this make sure to watch all videos.

Ep 2 Cash Out Refinance: Debt Consolidation: Pros and Cons

If you are considering pulling out some equity and paying off some debt with it, you HAVE to watch this video. Doing that can be a great thing……or…..it can really hurt you long term if you don’t know the trap that many people fall into 😖 Let me tell you more on this video how that happens.

Ep 3: Cash Out Refinance: Extending your Loan Term in a Refinance Could Cost You a Lot of Money

Do not be misled by those refinancing options that you can “save money where your savings equals your cost, and you can break even in the next 15, 20 yrs…” this is NOT TRUE! We need to do the math!

Ep 4: Cash Out Refinance: Home Improvement Financing

If you want to use your home’s equity to remodel, fix, upgrade your home. 👨‍🔧 👷‍♂️ How should you pay for it? Should you get a home equity line of credit or should you do a full refinance? What are the pros and cons? Which way is best for YOU? This video helps to break all of that down.

Ep 5: Cash Out Refinance: Debt Consolidation Refi Using Home Equity

If you are considering pulling out some equity and paying off some credit card debt with it, you HAVE to watch this video. Doing that can be a great thing……or…..it can really hurt you few years down the road. Let me tell you, it can be a trap! 😖 … Don’t fall into the trap.

Ep 6: Cash Out Refinance: How to Start Your Real Estate Portfolio

The great Andrew Carnegie once said, “ 90% of all millionaires become so through owning Real Estate”. The biggest obstacle for new investors is the down payment and tapping into your home equity to purchase a piece of Real Estate, simply makes sense.

Ep 7: Cash Out Refinance: How much can you get?

If you are thinking about “cashing out” and want to know how much you can get. You need to see this video. 👆 There are 2 types of refi you need to understand, on my video I am running sample numbers for you make sure to watch it.

Ep 8: Cash Out Refinance: Exit Strategies

If you are planning on cash out refinancing and you are not considering your exit strategy, you can get burned! See my video to know several important things and tips you need to consider, should you want to move to this direction.

Ep 9: Cash Out Refinance: Closing costs on a Refinance

If you are considering a refinance, you probably have seen the ads advertising no closing costs but BEWARE! There is a little known industry trick that those people are playing. Don’t be fooled. Watch the video to know more!

Ep 10: Cash Out Refinance: Dropping Mortgage Insurance on Refinance

Are you paying mortgage insurance now? Would you like to drop it? What if you don’t have enough equity? Would it still make sense to do a refi from an FHA loan to a conventional loan? Yes it would! Why you might ask? Watch the video – I’ve squeezed in enough information on my video so answer all of those questions and more – please make sure to watch it.

Your Mortgage Guy Tax Series

Taxes Justified Ep 1: Filing Taxes

Are you self-employed? Have you started to file your taxes? If you are planning on buying a home in the next 2 years, make sure you watch this!

Taxes Justified Ep 2: How a lender calculates SE income

Are you self-employed? Do you want a mortgage? Have you heard the lies that being self-employed means you cannot get a loan? Here’s the deal, IT IS NOT TRUE!! You can absolutely get a mortgage.

Taxes Justified Ep 3: Rental Properties

Do you own rental properties? Do you want to own rental properties? You better figure out how a lender look at the income from your rental properties BEFORE you file your taxes.

Taxes Justified Ep 4: Debts Paid by Your Business

If you are self-employed, and you pay your debts through your business, make sure to watch this video- especially if you are considering buying a home in the next 2 years.

Taxes Justified Special Feature: High Tax State

Do you live in a high tax state? Are you thinking about having a property in Florida one day? Have you run your 2018 numbers with your accountant?👩‍💼 👨‍💼 Has the new tax plan hurt your bottom line? 😡 More about this on my video, make sure to watch it.

Taxes Justified Ep 5: Why you need a good CPA

Look, ☝🏼 if you are self employed, or commission or whatever of that nature.. spending a couple more dollars to get someone who has that in depth knowledge will benefit you in the long run. I HIGHLY RECOMMEND this. Doing your taxes, the wrong way can end badly and in this video, I give a couple of those examples.

Taxes Justified Ep 6: Smart Idea for your Tax refund

It’s nearing the end of tax season, I want to share this awesome idea to you on what you can do with your tax refund. There are a lot of things you can do with it. Most would splurge on grand vacations and other things, 🤑 don’t get me wrong it is totally great, you deserve to spend however you please, right?

Taxes Justified Ep 7: Depreciation Tips!

Are you self-employed and stressed that your write offs are too large to qualify for a mortgage? Do you know that there is a trick where you can reduce your taxable income while maximizing your qualifying income?

Your Mortgage Guy Condo Series

Buying a Condo Hacks Ep 1: What’s a Non-Warrantable Condo?

Are you thinking of buying a condo in the next year or two? Then you NEED to watch this video so you don’t get caught in trap. Some condos cannot be financed in a traditional way. Those condos are called a Non-Warrantable Condo 🏢… What makes it non-warrantable? Ill explain more in my video.

Buying a Condo Hacks Ep 2: Downpayment Options

Did you know that you can get a condo for just 0%-3% downpayment?!! That’s right! not 10% or 20% but 0-3%!

Buying a Condo Hacks Ep 3: Buying a Condo as an Investment Property

Thinking of an investment in SWFL? Why not buy a condo and rent it out? But…you better know the rules if you are going to finance it!

Buying a Condo Hacks Ep 4: Buying a Condo as a Second Home

I totally understand when people sometimes tend to think about renting their second home to earn a little extra. Why the heck not right? You own it… you are not living there at the moment so why not rent it out?

Buying a Condo Hacks Ep 5: FHA and Condo

“Condos and FHA mix like water and oil”… ☝️ Before you get all too excited on a condo you need to make sure that the condo you have picked is FHA approved. On my video are some more useful tips where to look and what to do. 👍 BTW, if FHA doesn’t work, there are other options that I explain in the video.

Buying a Condo Hacks Ep 6: VA loans and Condo

Veterans – are you thinking about buying a condo with your VA benefits? Unfortunately, there aren’t many out there that meet VA criteria. In this video I explain why there are not many out there.

Buying a Condo Hacks Ep 7: Conventional Financing

Are you thinking about buying a condo in the next year or two? Do you know about the extra steps that need to be taken to get a conventional loan on a condo? If you don’t, you could be very disappointed. In this short video, I explain the couple of things you NEED to know before you start.

Your Mortgage Guy Non Conforming Series

Ep 1 Non Conforming Loans: What’s a Non-Conforming Loan?

Finally, mortgage loan programs are back that enable people to get a mortgage after a bankruptcy, short sale or foreclosure. I have listed significant points on this short video, watch it now so you are in the know!

Ep 2 Non Conforming Loans – Using Bank Statements to Prove Income

Self employed? Having trouble getting a loan? – New mortgage program uses Bank Statements for Income – no tax returns needed!

Ep 3 Non Conforming Loans: Exciting Investment Property Loan

Thinking about buying an investment property but you’re worried about qualifying? – This is the Most Exciting Investment Property Loan.

Ep 4 Non Conforming Loans: Lowest Monthly Payment

Are you worried about the monthly payment if you buy a home? Have you considered an interest only loan? This loan can save you hundreds of dollars per month.

Ep 5 Non Conforming Loans: Asset Depletion

If you dont have enough income but you have fair amount of assets just sitting there… Why not try to convert those assets into a viable income and qualify for a mortgage!? It is possible!

Ep 6 Non Conforming Loans: Delayed Financing

Are you aware that there is a way for you to take cash back right away to cover your home purchase? 🏡 You can pay cash for a home and then you can pull your cash back out of the property immediately.

Your Mortgage FHTB Series

Ep 1: First Time Home Buyer: Buying VS Renting

Buying and Renting is an ongoing battle which many Realtors and Lenders have shared to everyone. But let me tell you how we handle this type of cases. Let me tell you about the “3 Buckets”.

Ep 2: First Time Home Buyer: Downpayment Options

First time home buyers have an option from 0%-3.5% depending on your situation. This is a huge topic and I compressed just enough information of what you need to know on my video below. Give me a call 📲 if you want to know more.

Ep 3: First Time Home Buyer: Reality Of Credit Requirements

First TIme Home Buyer loans is a huge topic and I compressed just enough information what you need to know on my video below. Give me a call 📲 if you want to know more.

Ep 4: First Time Home Buyer: Special Perks

A lot of misguided information about First Time Home Buyer loan programs out there. Can be true.. and also can NOT be true… Check and see what the perks and quirks are on my video! If you have a specific situation and want to get the full details feel free to give me a call 📲 I’d be happy to send you the details!

Ep 5: First Time Home Buyer: Downpayment Assistance Options

It may be enticing at first….but….in the end something’s gotta give, and most of the time it will be the lendee. Let me tell you why, watch my video below I summed up just enough information of what you need to know. Give me a call 📲 if you want to know more.

Ep 6: First Time Home Buyer: Debt Ratio

Know more of what Debt Ratios mean, I squeezed together pertinent information on my video! If you have a specific situation and want to get the full details feel free to give me a call 📲 I’d be happy to send you the details!

Ep 7: First Time Home Buyer I Want to Buy a House

First Time Homebuyers have asked the same question to themselves,, “Ok I saw the home I really want…. now what? What should I do first?” First things first! ☝️ Seek professional assistance! Call Your Mortgage Guy! You do not want to get tangled in the “noodle” of misinformation that is out there!

Ep 8: First Time Home Buyer: Who Pays the Realtor’s Commission

Surprise Surprise!!! You don’t need to pay Real Estate commissions! Watch my short video below and let me tell you why.

Ep 9: First Time Home Buyer: How Does The Lender Get Paid

There may have been a point when you attempted to buy a home and got overwhelmed with fees!

Ep 10: First Time Home Buyer: Where to Get a Loan

If you are like most people, you think that the best place to get your mortgage is wherever you bank. Unfortunately, that is not true and in this video, I will explain the biggest misconceptions about getting a mortgage.

Ep 11: First Time Home Buyer: Employment Requirements

Are you at your job less than 2 years? Do you think that will stop you from getting a mortgage for a new home? Think again!

Your Mortgage VA Loans Series

Ep 1 VA Loans: Get Your Offer Accepted

Simple but very important things when you are planning to buy a home.

Ep 2 VA Loans: Funding Fees And Exemptions

Veterans who suffered an injury while in service are entitled to a funding fee exemption. More important details on my video.

Ep 3 VA Loans: Condos

Not all condos can be bought using a VA loan. See why and how you can purchase a condo!

Ep 4 VA Loan: Downpayment

Were you in a situation where you were asked for a downpayment even if you are using your VA Loan?

Ep 5 VA Loan: Seller Concessions

See the video and I’ll breifly explain why an earnest money deposit is needed in every home buying transactions even if you have a VA loan.

Ep 6 VA Loan: Mortgage Insurance

VA loans DO NOT have Mortgage Insurance which is AWESOME let me tell you why!

Ep 7 VA Loan: Closing Costs

We want to give back, the least and best way we know how to our Veterans who have bravely served us!

Ep 8 VA Loan: Closing Time Frames

HUGE misconception on VA loans taking too long to complete. Guess what! We do it differently here and the timeline is very similar to how standard loans take.

Ep 9 VA Loan: Upfront Underwriting

Also the reason why we adjust our process for you. We have been doing this for who knows how long, but it WORKS great for all our clients!

Ep 10 VA Loan: Multi Family Homes

Here’s a really cool and neat perk 😎 when you are living in a multi family home!

Ep 11 VA Loan: Appraisals

There’s a misconception but also a reality in appraisals. BUT appraisals should not be the basis of NOT buying a home AT ALL!

Your Mortgage FHA Series

Ep 1: FHA – First Time Home Buyers

Let’s go over real quick about FHA, the many myths and misinterpretations about it, let me tell you what it is.

Ep 2: FHA – Down Payment

Looking to purchase a 🏡 and you need 💵.

Ep 3: FHA – Our Loan Process

Check our Loan Process we do it differently here!

Ep 4: FHA – Credit Score

Its 2019 and you are wondering if you will qualify to purchase a new 🏡? Let me breifly tell you about Credit Scores.

Ep 5: FHA – Seller Concessions

What in the world are Seller Concessions 😥??? See this short video for the specifics

Ep 6: FHA – Debt Ratios

I made a simplified explanation on my video!

Ep 7: FHA – Credit Seasoning Requirements

Credit Seasoning Requirements: What you need to know!

Ep 8: FHA – Employment History

Some of the things you may know about employment history requirements before qualifying for a mortgage may be wrong!

Ep 9: FHA – Buying A Multi Family Home

Simple but very important things when applying for a mortgage to buy a multi-family home