The Michelle Jacinto Team of Direct Mortgage Loans- 219.924.5554

The Michelle Jacinto Team of Direct Mortgage Loans- 219.924.5554 Licensed mortgage lender offering VA, FHA, USDA, and conventional loans, refinancing, and HELOCs. Michelle Jacinto - NMLS #209470 - Licensed in IL, IN, and LA.
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Local loan officers providing expert home-buying guidance from application to closing. Branch NMLS #1637394 - LA. Corporate NMLS #832799
Equal Housing Lender
www.nmlconsumeraccess.org

Direct Mortgage Loans (DML) is a privately owned and operated licensed direct mortgage lender located in Hunt Valley, Maryland. Our company focus is centered upon industry best practices, responsible lending, and courteous service. Our mission drives us to be committed to providing outstanding mortgage solutions and creating lifelong relationships with our clients and each other. Our vision is to be the mortgage industry leader in innovation and customer experience, by retaining the values of effective proactive, and respectful communication that fosters teamwork, transparency, and accountability to our clients, partners, and each other. A solution-focused positive attitude drives extraordinary results!

Think your credit score is the only thing standing between you and a home loan? Think again. 🏡Lenders look at the whole ...
10/06/2026

Think your credit score is the only thing standing between you and a home loan? Think again. 🏡

Lenders look at the whole picture, including your credit history, payment history, income, debt, assets, and reserves.

Your number matters, but it’s only part of the conversation. When you’re ready to explore your options, Go Direct.

Buying a home takes more than just a down payment. 🏡💰 From closing costs and inspections to earnest money, appraisals an...
10/02/2026

Buying a home takes more than just a down payment. 🏡💰 From closing costs and inspections to earnest money, appraisals and reserves, knowing what to expect can help you plan with confidence.
Want to know how much you may need to buy your next home? Let’s talk!

How much house can you really afford?Getting approved for a certain amount does not always mean you should spend that mu...
09/29/2026

How much house can you really afford?
Getting approved for a certain amount does not always mean you should spend that much. Your budget should account for a payment that feels comfortable and leave room for the things that matter most, like saving, traveling, raising a family, building your future, and reaching your long term financial goals.
Before you start shopping, know your numbers and find a payment that works for your life.
Your home. Your loan. Go Direct.

09/26/2026

Remember that unfinished ceiling we showed you?

This is why we said to wait.

Now you can see what those construction details were actually creating.

The finished coffered ceiling at Willowbrook adds structure and character to the room, while the vaulted ceiling creates a completely different feeling with height and openness.

Two ceilings. Two very different looks. And both show why we don’t think the design should stop at the walls.

It’s one of our favorite parts of custom home design. Taking something homeowners might normally overlook and turning it into part of what makes the room memorable.

Coffered or vaulted? 👇

Before Saturday's Showings, Ask These Three QuestionsA great homebuying experience starts with the right conversation.Be...
09/24/2026

Before Saturday's Showings, Ask These Three Questions
A great homebuying experience starts with the right conversation.
Before touring homes, make sure your buyers have the answers to these key questions:
✔️ Have you talked to a lender?
✔️ What monthly payment feels comfortable?
✔️ How much do you have available for your down payment and closing costs?
Taking a few minutes to discuss these topics upfront helps set realistic expectations, narrow the home search, and creates a smoother path from showing to closing.
Preparation today leads to stronger offers tomorrow.

Pre-Qualified vs. Pre-Approved: Know the DifferenceNot all lender letters carry the same weight.For listing agents, it's...
09/22/2026

Pre-Qualified vs. Pre-Approved: Know the Difference
Not all lender letters carry the same weight.
For listing agents, it's always a smart move to ask what level of review has been completed. A stronger pre-approval can lead to smoother transactions and greater confidence for everyone involved.

NEW CONFORMING LOAN AMOUNT 🚨Conforming loan amounts are now available up to $845,000 with select investors for new locks...
09/21/2026

NEW CONFORMING LOAN AMOUNT 🚨
Conforming loan amounts are now available up to $845,000 with select investors for new locks beginning September 17, 2026.
A few important details:
• Available with select participating investors
• Standard conforming pricing and underwriting apply
• Subject to each investor’s guidelines
• Government loan limits remain unchanged
Important: This is not the official 2027 conforming loan limit. FHFA is expected to release the official 2027 limit on or after November 25, 2026.
Have questions about what this could mean for your buyers? Let’s talk. Go Direct.

Buying a home? 🏡 Before you start touring houses, make sure you know these five numbers: your credit score, monthly inco...
09/08/2026

Buying a home? 🏡 Before you start touring houses, make sure you know these five numbers: your credit score, monthly income, monthly debts, down payment, and the monthly payment you’re actually comfortable with.

Knowing these upfront can help you shop smarter, understand your options, and avoid falling in love with a home outside your budget. Let’s get you pre approved and ready to shop! 🧡

🇺🇸 Happy Labor Day from DML! 🇺🇸Celebrating the hardworking team that shows up for our clients every single day. 🧡 Enjoy ...
09/07/2026

🇺🇸 Happy Labor Day from DML! 🇺🇸

Celebrating the hardworking team that shows up for our clients every single day. 🧡 Enjoy the long weekend!

đź“ž REALTORS: Before You Hit "Send" on That Offer... Make One Call.A quick conversation with your lending partner can make...
09/04/2026

đź“ž REALTORS: Before You Hit "Send" on That Offer... Make One Call.

A quick conversation with your lending partner can make all the difference.

Before submitting an offer, take a few minutes to confirm your buyer's approval amount, loan program, estimated cash to close, and timeline. It's a simple step that helps prevent delays, surprises, and unnecessary contract headaches.

Five minutes on the phone today can save weeks of cleanup later and help your clients move forward with confidence.

Address

8227 Wicker Avenue
Saint John, IN
46373

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm
Sunday 9am - 6pm

Telephone

+12199245554

Website

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