Montclair, New Jersey
Your Home Payment Plan
Find ways to lower your monthly payment, reduce your buying costs, and decide when buying makes sense for you.
Free · 30 minutes with Nick Trani · Google Meet
Choose a time in the booking window. No pressure to buy.
Find out which loan options, rate buydowns or seller credits could bring your payment down, and what each would cost.
See where seller credits and eligible assistance could reduce the cash you need. Know what to budget for your down payment and closing costs.
Understand what local prices, available homes and competition mean for you. Compare buying now with waiting, based on your budget and goals.
Compare the total payment, including taxes, insurance, mortgage insurance and HOA fees where applicable, plus upfront costs and any later payment after temporary relief. Savings, eligibility and future market conditions are not guaranteed.
Your mortgage partner
Founder & Owner, Trinity Lending Company
Individual NMLS #145243 Company NMLS #2762052
John helps you compare mortgage options, upfront costs and the payment later.
John provides mortgage guidance through Trinity Lending Company, separate from GT’s real estate services. You are free to choose your own lender.
“Couldn't have asked for a better agent to work with for my first home buying experience!”
“He guided us through the entire home buying process, which we really appreciated as first time home buyers.”
“Buying a home in todays market is difficult to say the least, however, working with Matt made it a seamless process.”
“He went to bat for us and was a fountain of knowledge and guidance before, during and even after the purchase of our first home.”
“He is personable, professional, knowledgeable, and transparent.”
“Matt Gevirtz met all my real estate needs in a professional and efficient manner.”
“He is very responsive with picking up the phone and if not he always returned my phone call.”
“Matt was a great help in finding our first home.”
“Patient, knowledgeable, caring, quick responding and always on top of any concern are some of the many attributes we were able to observe in Matt.”
“Great experience! First time buying a home and Matt walked us thru step by step.”
“Matt is a knowledgeable, affable realtor who was highly responsive throughout the buying process, and afterwards.”
“He is loyal, sincere, caring, and most of all someone you can trust and count on no matter what.”
Selected excerpts from Zillow reviews about Matt’s real estate service. Individual experiences are not promises of savings or the same result.
Choose a time and complete the booking steps. Your time is reserved only when a confirmation appears.
Your initial conversation is 30 minutes with Nick Trani on Google Meet. John Fornino provides mortgage guidance through Trinity Lending Company, and you may choose your own lender.
The initial Home Payment Plan conversation and initial lender consultation are free. A mortgage, rate buydown, appraisal, closing or later brokerage services may have costs. Payment reductions may be temporary and are not guaranteed.
Bring your target monthly payment, the cash you expect to have available, your timing and a few homes you like. Estimates depend on the home, current loan terms and your situation. Do not send bank statements, identification or sensitive financial records through general contact forms.
Tell Nick where you are in the process and what you need to understand. A lender can explain borrowing options and approval requirements if you plan to finance. Buying now is not always the right choice; no one can guarantee future prices or rates.
Yes. Open the Montclair search at the top of this page. No appointment or mortgage preapproval is needed to browse homes or listing details. Saving homes, alerts or property inquiries may require a RealScout account.
