Merrimack Valley's trusted mortgage advisor, Frank Espaillat, delivers exceptional service and competitive rates, especially for first-time homebuyers. Frank streamlines the mortgage process with transparent communication and personalized guidance. He works directly with you to understand your financial goals and craft tailored loan solutions. Specializing in condos (including non-warrantable), single-family homes, and multi-family (2-3 unit) properties. Whether you're buying your first home, refinancing to eliminate mortgage insurance, or consolidating debt, Frank's team provides innovative options. Contact Frank today: 617-908-0904 or Fespaillat@svb.com.