Divito Lending 💰🏡

“We’re OPEN, 7 days a week” NMLS: # 1731159 Compare Mortgage Rates From Multiple Lenders ☎️[phone] 📧[email protected]

[Divito Lending 💰🏡 @DivitoLending]

https://t.co/9a4VTu9z3i

[Divito Lending 💰🏡 @DivitoLending]

This Memorial Day, we pause to honor the brave Americans who gave their lives in service to our nation. 🇺🇸

Their sacrifice is the foundation of the freedoms we enjoy every day.

From all of us at Divito Lending, thank you to our heroes and their families.

#MemorialDay

[Divito Lending 💰🏡 @DivitoLending]

US Foreclosure filing jump to 6 year high, as more homeowners fall behind on mortgage payments, per WSJ.

Foreclosure rates are up 26% YoY with Florida and Texas topping the nation — driven by rising property taxes, insurance costs and debt strain of US homeowners, per ATTOM.

[Danny Divito 🔑 🏡 @realdannydivito]

441 listings and counting — and we couldn’t have done it without the incredible people behind every single one.

To our realtors: your dedication, hustle, and commitment to doing right by your clients never go unnoticed. You show up every day ready to solve problems, guide families, and make big dreams happen.

To our clients: thank you for trusting us with some of the biggest decisions of your lives. Your confidence in us is what drives everything we do.

Divito Real Estate Group is more than just numbers — it’s relationships, hard work, and a team that truly cares. Here’s to continued growth and helping even more families find their place to call home. 🏡

[Divito Lending 💰🏡 @DivitoLending]

❓REALTORS❓
When submitting an offer, which do you prefer AND WHY?
A. Pre-Approval amount to match offer amount.
B. Pre-approval amount to be max buyer is approved for.

[Divito Lending 💰🏡 @DivitoLending]

SAME DAY APPROVAL @UWMlending

[Danny Divito 🔑 🏡 @realdannydivito]

@atlantictitlefl

[Danny Divito 🔑 🏡 @realdannydivito]

When you buy a home, you’re not just purchasing a property—you’re purchasing its history. Title insurance protects you from unexpected issues like unknown liens, ownership disputes, recording errors, or other problems that could surface after closing.

It’s a one-time policy that gives you peace of mind for as long as you own your home. No monthly premiums, no renewals—just lasting protection.

At Atlantic Title Firm, we work behind the scenes to make sure your closing is smooth and your investment is secure. Because buying a home should feel exciting…not stressful.

Enjoy your Sunday, and as always, we’re here when you need us!

— The Atlantic Title Firm Team

[Divito Real Estate Group 🏡 @DivitoRealEstat]

378 active listings and counting 📊

That’s the power of Divito Real Estate Group.
More inventory. More opportunity. More results for our buyers and sellers.

If you’re thinking about making a move, you want a team that knows the market and dominates it.

📲 Let’s talk.

[Danny Divito 🔑 🏡 @realdannydivito]

378 active listings and counting 📊

That’s the power of Divito Real Estate Group.
More inventory. More opportunity. More results for our buyers and sellers.

If you’re thinking about making a move, you want a team that knows the market and dominates it.

📲 Let’s talk.

[Danny Divito 🔑 🏡 @realdannydivito]

One of the biggest misconceptions I see with self-employed buyers: “Let me just W-2 myself. That’ll make qualifying easier.” It doesn’t.

Changing yourself to a W-2 does not change how lenders calculate income. You’re not creating income. You’re just moving company profit into a salary. Lenders look at the entire business. If the business shows a loss, that loss offsets your W-2.

Example:
Business loss: $92,000
W-2 salary paid: $100,000
From a mortgage standpoint, that’s $8,000 of income.

Self-employed is self-employed. W-2ing yourself doesn’t change that. Here’s the important part. Your CPA’s job is to minimize taxes. My job is to help you qualify for a mortgage.

Those goals don’t always align and that’s okay. Low income on paper does not mean no options. It just means a different path, like: 1099 programs, Bank statement loans, Asset depletion loans a ore other options.

Waiting until you’re under contract doesn’t remove options. It just creates a time crunch you don’t need. If you’re self-employed and thinking about buying in the next 12 to 24 months, let’s connect. #divitolending

[Divito Lending 💰🏡 @DivitoLending]

Where do you think mortgage rates will be this time next year? 👀

[Divito Lending 💰🏡 @DivitoLending]

🏠📈📉 As we roll toward 2026, most of the people following me here are either real estate agents or tied to the real estate world in some way.

And right now there is no shortage of noise about where mortgage rates are headed next year.
Instead of hot takes, here are a few

[Divito Lending 💰🏡 @DivitoLending]

actual forecasts from groups that track this stuff for a living.

2026 mortgage rate predictions:
• MBS Highway 5.5%
• Redfin 6.3%
• Fannie Mae 5.9%
• Zillow “Above 6%” 😅
• Mortgage Bankers Association 6.4%
• National Association of Realtors 6.0%
• Freddie Mac 6.2%

[Divito Lending 💰🏡 @DivitoLending]

There’s zero risk for the schools and 100% risk for the kids.

[Divito Lending 💰🏡 @DivitoLending]

You can’t get a $400k mortgage if you make $40k/year.

But a teenager can get $200k in student loans for a degree that pays $40k/year.

We have teens making financial choices that guarantee a lifetime of debt. They don't understand how compound interest works.

The corrupt system

[Divito Lending 💰🏡 @DivitoLending]

convinced them college is the “only smart option” and it’ll all work out.

Schools spend millions on marketing to convince teens their school is worth the debt. Meanwhile, colleges hike tuition 10% every year because the government guarantees the loans.

[Divito Lending 💰🏡 @DivitoLending]

Gratitude turns what we have into enough. Today, we’re thankful for our clients, partners, and community who inspire us daily.

Happy Thanksgiving! 🍂

[Divito Lending 💰🏡 @DivitoLending]

The average rate on 30-year fixed home loans dipped to 6.23% for the week ending Nov. 26, down from 6.26% the week before, according to Freddie Mac. Rates averaged 6.81% during the same period in 2024.

[Divito Lending 💰🏡 @DivitoLending]

Mortgage rates ticked down on Wednesday as markets awaited the release of more economic data delayed by the government shutdown, and a divided Federal Reserve appeared to be leaning toward another rate cut in December.