Get personalized service
from a name you can trust.

Buying or refinancing a home can seem overwhelming. I'm here to make it easier for you — from the moment you apply until after you close.

I'm an experienced loan specialist with GMAC Mortgage, a company committed to providing exceptional value and customer service.

What makes us different:

start a loan request

Purchase Power - Mortgage Package

Put more of your money into your house and less into your closing.

No Fees

  • No Application Fee
  • No Loan Origination Fee
  • No Underwriting Fee
  • No Appraisal Fee
  • No Document Signing Fee
  • No Document Prep Fee
  • No Credit Report Fee
  • No Fee for Lender Title Policy
  • No Recording Fee
  • No Settlement or Closing Fee
  • No Flood Certification Fee

And More

About this offer


Email or call me today to get started


Assumptions: 30-year, fixed-rate, 1st lien, rate and term refinance mortgage on an owner-occupied, single-family residence; loan amount of $220,000.00; loan-to-value ratio of 75.00%; credit score of 720; DTI of less than 45%; and monthly escrowing of taxes & insurance. For example, as of 01/10/2012, a $220,000.00 loan amount financed at 3.990% (4.111% APR), with a 1.025 point discount and 75.00% LTV, would result in 360 monthly principal and interest payments of $1,049.05.

John Minigiello

GMAC Mortgage Area Sales Manager

Massachusetts and New Hampshire

contact me

Contact me

  • 100 Cummings Center (VE14)
  • Suite 207P, Office 214
  • Beverly, MA 01915

My NMLS number

Each GMAC Mortgage loan specialist has a unique NMLS (National Mortgage Licensing System & Registry) number that lets you know we are licensed to work in your state.

Visit http://www.nmlsconsumeraccess.org/ to verify the NMLS number and be sure you are working with a licensed GMAC Mortgage loan specialist.

You can download a PDF
of the Loan Application here