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About Me

Loan Officer · NMLS 2161313

Honesty, Integrity, Education, Service, and Fun.

These words signify some of the core values I bring into my practice as a mortgage advisor. I am born and raised in New York City, and I have spent much of my life finding new ways to help people. I entered this role after a realization that the average person does not know enough about personal finance and the overall financial markets, all the things I believe should be taught to us in school. It is my mission to continue to learn as much as I can and spread this knowledge as far and wide as possible while helping put people into new homes and into the best financial position possible.

In our society, it is significantly easier for people to feel at peace when they know they are in a comfortable financial situation. I take pride in using my knowledge and skills to serve others with the ultimate goal of bringing them peace of mind.
 

My Location

NJRD 500 Craig Rd, Suite 202, Manalapan, NJ 07726

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Sebastian Rametta Jr.'s
OVERALL RATING

4.2/5.0   Total 1 reviews

  • "Paulina and Mike..."

    Paulina and Mike were fabulous. Two days before closing my deal had to be totally restructured. This causes a lot of stress and anxiety. However they worked hard to get it done and I appreciate their hard work.

    Lori

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Top Stories

Blooming Opportunities This Spring

May 07, 2024

As nature awakens from its winter slumber, spring ushers in renewed energy and opportunity—especially for aspiring homebuyers. In this blog post, we'll share practical tips for seizing the moment and explore why spring is an ideal time to enter the real estate market. Capitalizing on Market Dynamics: Spring is traditionally known as the peak homebuying season, characterized by increased inventory, heightened buyer activity, and favorable weather conditions. Leverage these market dynamics to your advantage by actively searching for your dream home. Getting Pre-Approved: Get pre-approved for a mortgage before beginning your homebuying quest. A pre-approval letter will demonstrate your seriousness as a buyer and strengthen your negotiating position in a competitive market. Fine-tuning Your Wish List: Refine your dream home wish list and prioritize must-have features and amenities. While it's essential to remain flexible, having a clear understanding of your preferences will streamline the search process and help you and your real estate agent identify suitable properties more efficiently. Touring Open Houses and Neighborhoods: Attend open houses and explore different neighborhoods to gain insights into local market trends, property values, and community amenities. Take note of your impressions and preferences as you envision yourself living in each potential home. Making a Strong Offer: When you find a property that checks all the boxes, be prepared to make a compelling offer that stands out in a competitive market. Work closely with your real estate agent to craft a strategic offer that is within your budget and reflects market conditions and comparable sales. Embrace springtime as an excellent opportunity to pursue homeownership and position yourself for success in a dynamic and vibrant real estate market. With careful planning, diligent research, and the support of experienced professionals, you can turn your homebuying dreams into reality this spring. A pre-approval does not constitute a loan commitment or guarantee of a loan. Pre-approval is subject to a satisfactory appraisal, satisfactory title search, and no meaningful change to borrower’s financial condition.

Sustainable Home Ideas

Apr 14, 2022

April 22nd is Earth Day, but you can make your home sustainable 24/7, 365. We’ve included some ideas on making your home a little more eco-friendly. Use low energy consumption appliances. Sustainable house design is also about filling your home with appliances that consume lower energy. It is better for the environment, but it will also significantly reduce your energy bills, or let you run your home on renewable energy. At a minimum, look for Energy Star-rated appliances – this should cover everything from computers and TVs to kitchen appliances and water heaters. Switch to LED LED lighting is also much more energy-efficient and lasts much longer. Even though it requires a larger upfront investment, this pays itself off over time because you won’t need to change your LED light bulbs for years! Another fun bonus to LED lighting is that many bulbs are paired with innovative home technology; you can pair them with Alex or Google home devices or even change the color of your lighting with your phone. Incorporate smart home technology Along with low energy consumption appliances, using smart home technology can also help to make your home more eco-friendly. For example, smart home systems have features such as automated lighting, temperature, and security controls which allow you to make your energy use as efficient as possible. Most smart home systems also allow you to monitor the amount of energy you use, helping you to live more efficiently and use less electricity. Try an eco-friendly lawn alternative. Grass may be a popular lawn option, but it is also water-intensive, challenging to maintain, and can cause allergies. There are plenty of grass alternatives that are not only better for the environment and your health, but many need little to no maintenance.

Sprucing up for Spring

Mar 03, 2022

Whether you’re getting your home ready to sell or you just want to tackle some basic spring cleaning, these tips will energize your home for warmer weather. 1) Wash Windows and Freshen Window Treatments Windows often take the brunt of winter weather, keeping out cold winds and catching winter dust, dirt, and even salt from the roads. Your first step in spring cleaning should be to wash the inside and outside of your windows. You’ll be amazed at how much more light can enter a space when the windows are clean! 2) Clear Your Gutters’ Downspouts Dirty gutters are an eyesore and a liability not only for you but for potential buyers, as well. Cleaning your gutters will take roughly 15-30 minutes, but will save you money in the long run. You can avoid flooding during spring rains by clearing gutters of all rubbish using a ladder, a small hand rake, and a hose. 3) De-Clutter for Spring! Spring is the perfect time to pare down the clutter that’s been accumulating in your home. Before you get started, make a room-by-room plan so that you don’t feel overwhelmed by the prospect of de-cluttering your entire home—know that you don’t need to do everything in one day or even in one weekend. 4) Repair Windows and Screens Replace damaged and warped screens so that you can enjoy warm spring breezes without being bothered by bugs and other critters. If you had a particularly rough winter, you’ll want to recaulk windows and inspect them for water damage and rot.