May 10, 2024
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Linking Northern and Central NJ, Bronx, Manhattan, Westchester and CT

Carl Guzman

Carl Guzman, NMLS# 65291, CPA, is the founder and president of Greenback Capital Mortgage Corp., a Zillow 5 star lender. He is a residential and reverse mortgage financing expert and a deal maker with over 26 years of industry experience. Carl and his team will help you get the best mortgage financing for your situation and his advice will save you thousands. Visit him at www.greenbackcapital.com or [email protected].

Articles by Carl Guzman

Ticking Time Bomb Mortgage Solutions

You may be contemplating refinancing your mortgage now that rates dipped. Should you refinance again or wait? What you should consider is: Are current rates

Eligible at 60

So the question is, when I say eligible, what do I mean? Eligible as in bachelor or bachelorette? Eligible to win a raffle? As a

Low Credit Scores Cost Big Bucks

The mortgage rate examples below were pulled off the MYFICO website. We know that rates change, so regardless of where rates are, the following general

How to Read a Loan Estimate

The first question you may have is: what is a loan estimate (LE)? If you bought or refinanced a residential one- to four-family property in

Fresh Start After a Break-Up

The New Year brings the opportunity for fresh starts and new beginnings. There’s no question that divorce is not the most enjoyable way to begin

Cleared to Close

Those are the sweetest words borrowers can hear when they’re looking forward to closing on a new home, or when they want to refinance their

Capital F Is for Foresight

Most people live for the moment and don’t really “live life” for the long term. That being said, mindful planning for retirement should consider the

Down Payment Myths

One of the most asked questions for first-time home-buyers is “How much do I need for a down payment?” All I can tell you is

Can You Go Low?

Low down payment to buy a home, I mean. So, what is the minimum amount of money you need to become a homeowner? Believe it

Why Refinance Your Mortgage?

There is always an opportunity to refinance as long as the numbers make enough sense to move forward. You can: a) Refinance, lower your payment,

Secrets of a Mortgage Loan Officer

When underwriting a loan, lenders follow the guidelines of Freddie Mac and Fannie Mae, the largest buyers of mortgage loans and the FHA for government