My Belief & Hard Skills

Born in Quincy, Massachusetts, and a proud New Englander, I, Filipe Dias, have spent my career empowering homebuyers to achieve the American Dream of homeownership. With a deep understanding of the challenges faced by my community, I am driven by a passion to guide individuals toward financial stability and a place to call their own. Born to immigrant Brazilian parents, I was fortunate to learn multiple languages, including Portuguese, English, and Spanish, allowing me to effectively serve a diverse range of clients. Whether you’re a first-time homebuyer or an experienced investor, I am committed to providing personalized guidance and expertise to help you navigate the complex mortgage process. With access to a comprehensive range of loan products, including FHA, Conventional, Foreign National, and ITIN, I am equipped to find the perfect solution for your unique needs. My extensive experience and knowledge of the mortgage industry enable me to tailor my services to ensure a seamless and successful homebuying experience.As a dedicated mortgage professional, I am honored to have helped countless individuals and families achieve their dreams of homeownership. I look forward to the opportunity to serve you and help you find your path to financial stability and homeownership success.Contact me today to begin your journey toward the American Dream!

Get a quote without a hard inquiry to your personal credit.

We welcome and celebrate different perspectives to help our clients. Leave your slow, old-school bank in the dust. Join the future of mortgages.

faqs

Most Popular Questions

We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.

What type of loan program is the best for me?

The many different types of loan programs available can seem overwhelming. Should you choose a fixed rate, adjustable rate, or government loan mortgage? The truth is there is no right answer... Read More

Can I Qualify for a Mortgage with an ITIN Number?

Contrary to popular belief, you do not need a social security number in order to secure a mortgage. You can qualify for a mortgage with an ITIN number as long as you meet the requirements for the loan. Read More

What is The Cost Of Renting Vs. Buying?

  • Historically, the choice between renting or buying a home has been a tough decision.
  • Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice becomes obvious.
  • Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year!

.

Will a refinance help get rid of my PMI?

In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.

Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.

What Does Contingent Mean When Buying a Home?

The Definition of Active Contingent

The true definition of a home that is active contingent is that the home has an offer on it, but the buyer has contingencies on their offer. Continue...

Can You View Active Contingent Homes?

Just because you can view active contingent homes, doesn’t mean you will be able to buy it. If the original buyer is able to clear all of the contingencies, the home changes to pending status and is no longer. Read More.

Will a refinance help get rid of my PMI?

In many cases, yes. As rates have dropped and home values have risen, many homeowners have an opportunity to remove their PMI while reducing their overall monthly payment. Talk to your loan officer about the specific requirements of the loan products you qualify for.

Keep in mind that many loans have a ‘seasoning requirement’ that requires you to wait at least 2 years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can request that your PMI be removed with a new refinance but you’re not guaranteed to get approval.

What is a Non-Qm Home loan?

order to better understand a Non-QM, it is helpful to be familiar with the criteria of a qualified mortgage. A qualified mortgage (QM-loan) is a home loan that meets certain standards set forth by the Consumer Protection Act and the Dodd-Frank Wall Street Reform Act, signed by President Obama following the 2008 housing crisis.

The requirements for a qualified mortgage include:

  • Verification of income is required, otherwise known as the “ability-to-repay” rule
  • The debt ratio cannot exceed 43%
  • Points and fees should not exceed 3% of the loan amount
  • The loan cannot have risky features such as negative amortization or interest-only
  • The loan term cannot exceed 30 years

These guidelines were adopted by the Consumer Financial Protection Bureau (CFPB) to help prevent poor lending practices that sparked the previous financial crisis.

Mortgage calculator

Get a sense of the costs of buying a home with our monthly mortgage calculator.

Recent Posts & Articles