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Brian DiVito at Rate

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Madison, NJ
Brian DiVito at Rate

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Clear mortgage guidance for 1st time buyers and homeowners who want honest answers and smart strategy. Based in New Jersey. Call 908-451-4517
NMLS # 274474

Licensed mortgage originator with Rate helping clients move forward with confidence. Guaranteed Rate
14 Main Street
Suite 201
Madison, NJ 07940
Licensed NJ Mortgage Banker
NMLS # 2611

11/03/2026

Buying a condo? Don't look at the HOA fee alone.
You also want to understand what it covers, what you pay separately, whether dues can change, and the financial health of the association.
The building itself can matter to your mortgage, too.
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11/02/2026

If you're paying PMI on a conventional mortgage, don't assume you'll have it forever.
Depending on your loan and servicer requirements, PMI may be removable once you reach the required equity level.
Your loan balance, home value, and payment history can all matter.
Check with your servicer to understand exactly what applies to your loan.

Comment PMI and I'll help you figure out what to ask.

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10/31/2026

You wouldn’t go to the gym and expect abs before doing the work. So why start house hunting before getting pre-approved?

Getting pre-approved helps you understand your budget, strengthens your offer, and saves you from falling in love with a house that doesn’t fit your numbers.

Get the pre-approval first. Then go find the house.

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10/30/2026

Don't assume the credit score you see in an app is the exact score your mortgage lender will use.
Mortgage lenders can use different scoring models, and your credit profile can affect your loan options and pricing.
Know where you stand before you start shopping.

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10/29/2026

FHA and conventional loans can both be great options, but they're designed for different borrower situations.
Credit, down payment, mortgage insurance, and how long you plan to stay can all affect which option makes more sense.
Don't choose a loan just because someone told you it's the better one. Run the numbers for your situation.

Send this to someone comparing loan options.

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10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

10/28/2026

Everyone has an opinion about where mortgage rates are headed. That doesn’t mean they know.

Instead of trying to predict the market, focus on what you can control: your finances, monthly payment, and long-term goals.

Make a decision based on your numbers, not someone else’s prediction.

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10/27/2026

Two buyers can buy the same $500K home and still have very different monthly payments.
Down payment, rate, property taxes, insurance, and HOA costs can all change the numbers.
Same house. Different financial picture.

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10/26/2026

A rate buydown can be one way to reduce your mortgage payment without simply waiting for the market to change.
There are permanent and temporary options, and in some transactions, a seller or builder may contribute toward the cost.
But the numbers matter. You want to know what you're paying upfront and what you're saving.

Comment BUYDOWN and I'll run the numbers for your scenario.

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10/23/2026

The mortgage payment isn't always the full monthly cost of owning a home.
Depending on the property, you may also have property taxes, homeowners insurance, HOA dues, and mortgage insurance.
Know the full payment before you make an offer.

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10/22/2026

Still waiting until you have 20% saved before you consider buying?
Depending on the loan program and your eligibility, you may have options with a lower down payment.
The right number isn't necessarily 20%. It's the number that makes sense for your payment, savings, and overall financial situation.

Comment DOWN and I'll show you your options.

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09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Address

14 Main Street, Suite 140
Madison, NJ
07940

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.Rate.com/briandivito?utm_source=facebook&utm_medium=organic&utm_campaign=yext&utm_content=10942&adtrk=%7Cseo

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