John Marroni NMLS# 5778- Mortgage Loan Officer

John Marroni NMLS# 5778- Mortgage Loan Officer Mortgage Advisor NMLS ID # 5778
Equal Housing Opportunity
www.nmlsconsumeraccess.org

06/08/2026

🏡 Pre-approval doesn’t tell the full story.
A lot of buyers think they’re fully cleared after a quick review, but they don't realize that there are several factors missing compared to the underwriting process.

DM me "REVIEW" and let's find out what you're actually approved for.

NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS #173855

Managing five different mortgages is a great way to ruin a vacation. 🥥 A DSCR Portfolio Refi allows you to "blanket" mul...
06/08/2026

Managing five different mortgages is a great way to ruin a vacation. 🥥 A DSCR Portfolio Refi allows you to "blanket" multiple properties under one loan. Simplify your life and use high equity in one door to offset a tighter one.

Book a no-obligation consultation

Buying a home is rarely a one-size-fits-all experience. The mortgage process is designed to consider your full financial...
06/06/2026

Buying a home is rarely a one-size-fits-all experience. The mortgage process is designed to consider your full financial picture.

🔑 Different loan options for different buyers
💸 Varying down payment requirements
📈 Flexible loans exist for real-world situations
🤝 Guidance every step of the way

DM me & let’s review your options together. 📬

NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS #173855

Peak season is here! 🏖️ Did you know you can use your "seasonal surge" to qualify for a cash-out? Many DSCR lenders now ...
06/05/2026

Peak season is here! 🏖️ Did you know you can use your "seasonal surge" to qualify for a cash-out? Many DSCR lenders now accept 12-month historical averages from Airbnb/Vrbo or AirDNA projections to calculate coverage.

Book a no-obligation consultation

06/04/2026

🏡 Support income may be usable for a mortgage—but it has to be documented correctly.

History, consistency, and lender guidelines all play a role, which is why getting everything reviewed upfront can make a huge difference in the approval process. 🔍

📲 DM me "REVIEW" if you want help understanding your options.

NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS #173855

The summer heat is on, but your personal debt-to-income (DTI) ratio shouldn’t be what’s making you sweat. ☀️ Traditional...
06/03/2026

The summer heat is on, but your personal debt-to-income (DTI) ratio shouldn’t be what’s making you sweat. ☀️ Traditional lenders look at your W-2s, which can limit your growth. A DSCR loan focuses on the property’s ability to cover its own debt, not your paycheck

Book a no-obligation consultation

06/02/2026

A Zillow calculator is NOT a pre-approval.

Online tools can be helpful starting points, but they don’t fully review income, assets, credit, or loan guidelines the way a real lender does. That’s why strategy and proper pre-approval matter so much before house hunting. 🏡

📲 Reach out if you want to know what you actually qualify for.

NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS #173855

Buying power and comfort zone are two different things. 🔑 True affordability looks at:🔹 Monthly payments you're comforta...
05/31/2026

Buying power and comfort zone are two different things. 🔑 True affordability looks at:

🔹 Monthly payments you're comfortable with
🔹 Your existing debts
🔹 Your lifestyle and future plans
🔹 Loan options that work for you

👉 Ready to explore options? Let's talk. 📲

NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS #173855

05/29/2026

Getting divorced & debating whether you should keep the marital home?

Stop debating. Start calculating. 👀
🔑 Waiting won’t create clarity. Numbers will. Once the Divorce agreement is signed, your options shrink.

👉 Before that happens, DM me CLARITY. Protect your future — not just your feelings.

NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS #173855

05/27/2026

Buying out your spouse? 🏡 This isn’t “just a refi.”
💯 It’s leverage. It’s liquidity. It’s long-term pressure — if done wrong. Most people structure this emotionally. That’s expensive.

👉 Before you lock it in — DM me 'BUYOUT'. Let’s structure it to survive.

NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS #173855

Address

Danvers, MA
01923

Opening Hours

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

Telephone

+16176806495

Website

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