About Michelle Chmelar
Buying a home is fun and exciting! And you want your financing to be a smooth ride too. But how do you choose the right mortgage professional? Follow my 5 W's! * WHO? 30 years of experience allows me to successfully navigate the twists and turns of the market and lending policies. I have experience in markets where rates are rising as well as falling which is important in guiding you on your home journey. Besides financial advisor, I am sometimes marriage counselor, life coach or economic guru. I see my clients through life's milestones as they start out, grow a family, buy a vacation home, finance college, seek a larger place or downsize. Referrals by my clients are the backbone of my business. * WHAT? Purchase or refinance, I have plenty of loan programs available to fit you and your unique situation. I understand the intricacies of condos and co-ops and the up-front due diligence needed. Strong relationships with my lenders let me advocate for you and provide the best rates and options. Whether condo, co-op, or castle, I am there for you from day one until we celebrate your closing. * WHEN? The best time to speak with me is the moment that you think you may want to buy a new home or refinance. Whether just starting to think about looking, to making a bid or in contract, call me to discuss your transaction- the details, timeline and loan programs you are interested in. Not sure which loan is best for you? Let's analyze your situation and find out today. * WHERE? I specialize in NY, NJ, CT, FL, GA and NH and, through my colleagues, can work to assist you with transactions in 48 states. Co-op, condo, multi-family or vacation homes are no problem-I have the right loan program for you. * WHY? The mortgage on your home is life's biggest monetary venture. Let me take on the myriad of hurdles so you can actually enjoy the process! Call or email me to begin. I will explain the process in detail and discuss the steps we will take to meet your timeline and close your deal. I look forward to hearing from you today. Born and raised in Michigan, I attended the University of Michigan and am a proud Delta Gamma alumna. I am an active member of the Planning Commission in my town, as well as a mom. My family loves Bernese Mountain dogs and divides our time between NYC and Vermont.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 271 Waverley Oaks Road, Suite 306 Waltham MA, 02452
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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