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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.

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Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.