Michelle Chmelar
Vice President of Mortgage Lending

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, CA, FL, MA, MI 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.

Helpful tools and resources
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Mortgage calculators
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Loan options
First-time homebuyer’s guide logo
First-time homebuyer’s guide
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The Best Mortgage Experience

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