Ed Moloney recently helped me obtain a mortgage for my first house. From the beginning he was able to answer all of my question (and I had a LOT), explain my different options and how the process worked. When I finally decided to start looking at homes he was even able to refer me to a great Realtor. Once we finally found the right house for us Ed was able to walk us through each step of the mortgage and home buying process. He was in touch nearly every day making sure I did not have any questions and that I was taking all of the necessary steps to complete the process. When I had questions Ed instantly followed up with a phone call or even met with us to be sure we understood what was going on. 

Since my first meeting with Ed back in January I have referred him to good friends of mine who are buying a house now and also my parents who are looking to refinance. I would never hesitate to refer anyone to him, he has gone completely above my expectations.” July 6, 2011

Top qualities: Great Results, Expert, High Integrity

1^st Jennifer Nutting, 
hired Ed as a Mortgage Advisor in 2011

Feel free to call me if you would like to learn more about the buying process.

NMLS LO # 10321

GMAC Mortgage

774-573-0329

Rates are still at All Time Lows. Inventory in Towns like Holliston are allowing buyers a good deal of choices in many price ranges.

In the end it is about education and service this is what client deserve and need. We have seen through history that many did not receive the education they needed to make the proper choices and others that stated they were in the dark for 90% of the process. To me this is unacceptable

I am blessed to be in this industry for over 8 years. I was a the top producer at the broker firm that I was affliated with for 2010. 100% of my business was referral.

I have recently joined GMAC Mortgage and now am able to provide a purchase power package that is very unique in the industry.  It will allow my clients to be treated like gold and give my realtor partners an unfair advantage when working with clients. Please call me to ask me more about this and how it will be a game changer.

Please take time to review what past clients are saying about me and my focus on client service on linkedin.com.

It is great to be supported by a large company that focuses on ensuring that from begining to end that the client is treated with respect in an effort to make RAVING fans.

If you are thinking this may be the time to upgrade from your present condo, buy your first home or see if an investment property is a way to diverse your portfolio. Please call me and ask any questions that you may have.

Edward Moloney

GMAC Mortgage

Hopkinton MA

MA LO #10321

Cell 774-217-2327

If so you have come to the right place. 

My name is Edward Moloney. I have a unique approach to the mortgage industry. It is all about educating the prospective client.

We have all heard the horor stories of of first time buyers being confused throughout the home buying process and then regretting buying a home. Or people who had their closings costs or rates be different then what they expected at the day of closing.

I pride myself on the fact that 95% of my business is referral. In the end my reputation is much more important then any one loan could ever be. I take the time to ensure that the client understands all of their options. I also show them the pros and cons to buying a home versus renting.

We look at how to improve credit, we look at how much they are comfortable to spend each month in payment. Fact is many people are approved for much more money then they should be spending.

I love taking the time to sit with the prospects and answer all of thier questions. Many in my industry forget that a happy client is the key to a career of enjoyment.

If so you have come to the right place. 

My name is Edward Moloney. I have a unique approach to the mortgage industry. It is all about educating the prospective client.

We have all heard the horor stories of of first time buyers being confused throughout the home buying process and then regretting buying a home. Or people who had their closings costs or rates be different then what they expected at the day of closing.

I pride myself on the fact that 95% of my business is referral. In the end my reputation is much more important then any one loan could ever be. I take the time to ensure that the client understands all of their options. I also show them the pros and cons to buying a home versus renting.

We look at how to improve credit, we look at how much they are comfortable to spend each month in payment. Fact is many people are approved for much more money then they should be spending.

I love taking the time to sit with the prospects and answer all of thier questions. Many in my industry forget that a happy client is the key to a career of enjoyment.

Will Mortgage rates increase or will they stay the same? My opinion is they will stay flat. Fact of the matter is that many people will have a mental effect when rates going into the low 5's and stay there for sometime from the 4's where they have been for a good deal of the last year.

Will foreclosures increase? I do not think we will see a huge increase in foreclosures in May but I do think by the end of the year we will see an overall increase trend.

Do you think it is a great time to consider buying investment property? Yes I do and the reason is prices are still low and inventory is attractive. In many cases properties can cash flow from day one. This had not been the case in most recent years.

Do you think that second home prices have come down? Yes the cape cod and islands have come down in a significant way. At the same time inventory is higher in all price ranges from 200k to the million +. I think it is a great time for people to start considering the dream second home and may is the month to do that.

Do you think people are starting to spend more money on home improvements? I would say yes. The reason is that a top painter I spoke to has seen a great increase in new jobs. As well as a roofer and landscaper. These are good signs for a nice spring and early summer for the trades folks that I know. This is excellent since many have been hurt by this economy for a long time.

I hope this info was helpful. Again the data is one mans view from Holliston MA.

Edward Moloney

Zenith Mortgage 

Cell 774-573-0329

Milford MA

NMLS LO# 10321

We have all experienced loss. Many deal with it in different ways in the short term. Everyone grieves differently and people should respect that and learn from it. 

This Sunday not only is the celebration of Easter but it also marks the date that 15 years ago when God reached down and saw her tired face and decided to bring her to his garden of heaven. That person was my mother. Florence Pinky Moloney. She was only 54 years old. In her years on this earth she had an everlasting impact on so many that she touched. She chose a career that kept her close to home that she could ride her bike to her work everyday if she desired. She was the head Secretary to several different principals in the Holliston school systems. She was a proud mother of 3. She also had a great faith that was strong as a rock and thus she did nor fear death.

The reason I share the above is that I believe reflection in life is very important. I know that my desire to be impact full on the life's of others through the way I live my life was something my mother instilled in me.

Each day we are blessed for the careers we have in our industry. We are able to touch so many peoples lives and have everlasting impacts. We are also blessed with flexible schedules that can in some cases allow us to also help in other ways through donating time and our talents to non for profits in our area.

So tonight I ask that you think of losses of loved ones in your life and use it as a motivation to be as impactfull as you can in the months to come.

Enjoy the Easter weekend and remember those who have impacted you.

Edward Moloney

Zenith Mortgage 

Milford MA

Cell 774-573-0329

NMLS LO # 10321

Do you beleive that we will see an increase in Foreclosures? We all know that due to legal loop hole issues that most foreclosures slowed up or got put on hold at the end of 2010. It appears that some of these issues have been dealt with. Fact is that many homeowners are finding themselves four or more months back on their mortgages. 

We are still seeing people loose their jobs. Fidelity one of MA largest employers just moved 1000 jobs out of state. Also Genzyme just went through a merger that in the end may have further impact on jobs. With Military spending expecting to see cuts companies like Raytheon may need to shed employees.

I think that the increase in foreclosures will hurt certain markets and have little to no impact on others.

I do see this as a great time for clients to consider purchasing investment properties as well as following the dream of a second home on Cape Cod area.

Again the 2nd and 3rd quarters of 2011 should be interesting here in the MA market as well as throughout the country.

Edward Moloney

Zenith Mortgage

Milford MA

NMLS # 10321

cell 774-573-0329

My friends in metro west. I wanted to recommend pepperoncini restaurants. The reason is simple. The quality of the food is top notch. The prices are reasonable. The service is great. Clients have two excellent options either Framingham or Milford. The owner is a great business person and is always trying to help others. If you have not given them a shot you must try it out. See website for contact info and directions. Tell Vince Ed told you to visit. You will be happy you did.

http://www.hotpizzacoldbeer.com/

Edward Moloney

Zenith Mortgage 

Cell 774-573-0329.

NMLS LO #10321

I grew up in Holliston MA. I have now moved back to raise my family here. It is a great town with great education and incredible community.

It does lack a good Restaurant. So if you live in this area and you like history I recommend checking out http://www.wayside.org/. The wayside inn will give you a great dinning experience but also a relaxing place to communicate with your date. No rush to get in and out like so many restaurants today. The grounds are kept incredible and the experience is one that is memorable. Give it a try.

Edward Moloney

Zenith Mortgage

NMLS LO # 10321

Cell 774-573-0329

Many Realtors will say Top Producers

Others will say use act or outlook.

I have been hearing a ton of good things about sales force.

Any thoughts and feedback would be great. 

Also how did you get yourself into the habit of using the database and what impact has it had on your business?