Author: danfrio

Down Payment Assistance Programs | Explained

Why are my Realtor Partners Are Selling More Homes in 2018 than their competition?   Imagine if you were able to provide your clients with a Down Payment Program that provides: More Money than IHDA | up to $20,000 Lower Rates Lower Fees Lower Credit Score requirements No Repayment required or a MAX of 3 […]

Top 3 Questions week of Sept 9th 2018

Top 3 Questions that I was asked by Clients this week: Credit Score:   What Score is used and what is the Min Score needed to buy a home? Can you use Social Security Income to qualify for a Mortgage? How much are Closing Costs to get a Mortgage?   CREDIT SCORE: This is probably the […]

Common Questions For First-Time Home Buyers

Now that you have decided to buy your First Home your wondering what to do to get the process started.  The best recommendation I can make is to find a Professional Mortgage Broker as well as a Full-Time Realtor who knows the area that you are interested in living.  These are very exciting times but can […]

5 Steps To Buying Your First Home

  Step 1-  Getting Pre-Approved to Shopping for a Home The BIG 3 elements in obtaining a Home Loan are : Credit:  Knowing your credit score will not only help you but will also help your Mortgage company determine the BEST Program to fit your goals.  In this area, I strongly suggest using MyFico.  This company […]


I found through a Friend who introduced me to this site.  At first, I was skeptical as usual when I see FREE Credit Score and all the bells and whistles attached to it.  However, I decided to give it a shot an was pleasantly surprised.  The site took me 2 minutes TOPS to create an […]

What are Seller Credits or Seller Concession

When purchasing a home you might hear the phrase “Seller Credit” or “Seller Concession.”  So what exactly is your Realtor or Mortgage person talking about when they say this? A Seller Credit -or- Seller Concession is a credit that the seller is giving you to cover things such as closing costs.  These creditcan be apply […]

REVERSE MORTGAGE Keep your home with a Reverse Mortgage

The Primary reason Seniors do not look into qualifying for a Reverse Mortgage is Mis-Information: I was recently asked to appear on a talk show where a Real Estate attorney asked me to clear up the misinformation that he as well as his clients had in regards to a Reverse Mortgage.  How this all came about […]
Regulatory Information: Nationwide Multistate Licensing System's Consumer Access Website" (, Premier Financial Services, Inc. NMLS #266214. The State of Illinois | Division of Banking located at 100 W Randolph St, Chicago, IL 60601 (312) 814-4500 | NMLS # 266214 Dan Frio NMLS 246527