My Mortgage Guy: Recent Episodes
Nick Caccia and Jesse Earl
A conversation between two friends about buying and financing your first, second, third, or twentieth home. This podcast led by your hosts Nick Caccia and Jesse Earl will take you on a journey from the beginning of the home purchase process through everything you will experience along the way. Most people don't know where to begin when starting their home ownership journey, but now you have a reference point.
We briefly touch on rates. Should you pay close attention to them? How do they get decided? Does it matter if this is your first home? If you have further questions, please reach out to Nick at nicholas.caccia@ccm.com, Instagram at cacciamortgages401, YouTube @cacciamortgages, or at TeamCaccia.com. Nick is licensed in CT, MA, ME, NH, NJ, RI and now in Florida!
Nick walks through what the conversation is like during the pre-approval process. Basic info for a pre-approval letter include:
- Proof of residency (2 years)
- Proof of income (2 years)
- Last 2 paystubs
- Credit score will be pulled to see FICO and debt
If you have further questions, please reach out to Nick at nicholas.caccia@ccm.com, Instagram at cacciamortgages401, YouTube @cacciamortgages, or at TeamCaccia.com. Nick is licensed in CT, MA, ME, NH, NJ, RI and now in Florida!
Looking to buy or refinance a home to renovate? Take a listen here on how it works and what you will need! If you have further questions, please reach out to Nick at nicholas.caccia@ccm.com, Instagram at cacciamortgages401, YouTube @cacciamortgages, or at TeamCaccia.com. Nick is licensed in CT, MA, ME, NH, NJ, NY, and RI.
Touched on last season, we take a closer look at investment properties and how they work. If you have further questions, you can reach out to Nick at nicholas.caccia@ccm.com, Instagram at cacciamortgages401, YouTube @cacciamortgages, or at TeamCaccia.com. Nick is licensed in CT, MA, ME, NH, NJ, NY, and RI.
We dive deeper into what it means to buy your first home. New laws are in place in 2023 to help you out. What are they and what do they mean? Tune in to find out! You can reach out to Nick at nicholas.caccia@ccm.com, Instagram at cacciamortgages401, YouTube @cacciamortgages, or at TeamCaccia.com. Nick is licensed in CT, MA, ME, NH, NJ, NY, and RI.
We're back with another season of My Mortgage Guy. Today we discuss the current market as of February 2023. What has changed? How are rates? New laws in place?
You can reach out to Nick at nicholas.caccia@ccm.com, Instagram at cacciamortgages401, YouTube @cacciamortgages, or at TeamCaccia.com. Nick is licensed in CT, MA, ME, NH, NJ, NY, and RI.
We discuss the current market quickly and then going into refinancing your mortgage. Nick provides insight of why you would refinance today and in the future. You can reach out to Nick at nicholas.caccia@ccm.com or on Instagram at cacciamortgages401. Nick is licensed in CT, MA, ME, NH, NJ, NY, and RI.
Today we discuss the current rates as of September 30, 2022. Our good friend Michaela is back on again to discuss the current rates with Nick. Michaela is licensed in CT, MA, and RI. You can check out her page at michaelajenkins.nhoceanstate.com. As for Nick, you can get in touch with him at nicholas.caccia@ccm.com or on Instagram at cacciamortgages401. Nick is licensed in CT, MA, ME, NH, NJ, NY, and RI.
In back to back episodes, we interview another Realtor, Michaela Jenkins, who is a Broker/Owner of The Hope Group at NextHome. We discuss what her responsibilities and goals for the year. Michaela is licensed in CT, MA, and RI. You can check out her page at michaelajenkins.nhoceanstate.com. As for Nick, you can get in touch with him at nicholas.caccia@ccm.com or on Instagram at cacciamortgages401. Nick is licensed in CT, MA, ME, NH, NJ, NY, and RI.
In this special episode, Jesse and Nick interview Joseph Amen, who is a realtor in Rhode Island. Joe tells us about his background, what got him involved in the housing industry, and where he is today. If you have any questions for Joe, you can reach out to him at joseph@riisere.com. As for Nick, you can get in touch with him at nicholas.caccia@myccmortgage.com or on Instagram at cacciamortgages401. Nick is licensed in CT, MA, ME, NH, NJ, NY, and RI.
Today we review the three main types of mortgages. Whether you're a first time buyer or you're buying a vacation or investment property, we cover what the differences are in the banks eyes and what to look out for. If you have any questions, feel free to reach out to Nick at nicholas.caccia@myccmortgage.com. Nick is licensed in CT, MA, ME, NH, NJ, NY, and RI.
Today we discuss what happens after you close your loan. When is your first payment? Why are you getting mail from scammers? What else should I expect? If you have any questions, feel free to reach out to Nick at nicholas.caccia@myccmortgage.com. Nick is licensed in CT, MA, ME, NH, NJ, NY, and RI.
Today we discuss the certain buzz words that you may hear during the mortgage process. My Mortgage Guy Nick Caccia explains what each term means and what you should look out for. If you have any questions, feel free to reach out to Nick at nicholas.caccia@myccmortgage.com. Nick is licensed in CT, MA, ME, NH, NJ NY, and RI.
My Mortgage Guy is back with another season after taking a long hiatus. Loan Officer, Nick Caccia talks about what happened in 2021 and how the mortgage industry is being affected today. If you ever have mortgage questions, please reach out to My Mortgage Guy at nicholas.caccia@myccmortgage.com. Nick is licensed in CT, MA, ME, NH, NJ NY, and RI.
We change it up a bit in this episode to focus on Frequently Asked Questions. Does it matter if you get a 1099 over a W2? What if you have a low credit score, how do you bump it up? Nick and Jesse jump into your questions next.
Now that the loan process has been covered, Nick and Jesse review the different types of loan you can choose when purchasing a home.
In this episode, Nick explains how rates are determined. Does different lenders have different rates? Is it flat across the board? Can the borrower influence the rate at all? Jesse and Nick get into all that in determining Your Mortgage Rate.
You are CTC. Nick explains what it takes to get your loan to close. We review what happens on the day of closing, what to look out for, and when you can move into your new home!
In this episode, Nick explains to Jesse what goes into an offer. What the Loan Officer needs from you to make the offer on your new home. Once accepted, Nick reviews what you need to get prepared to buy the house.
In this episode of My Mortgage Guy, Nick Caccia explains what he needs from you after your offer has been accepted. He reviews all the moving parts in the loan process what to expect from your mortgage team (Loan Officer, Processor, Underwriter). Nick goes into each step to help you set your expectations to get your loan closed.
In our pilot episode, My Mortgage Guy (Nick Caccia) explains what you need to get started in purchasing a home, how to get a pre-approval, and what goes into it.