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Buying your first home can be an exciting experience, but it can also be stressful. Being well prepared for the homebuying journey can help you feel more at ease as you get started. The Journey to Homeownership session will cover topics such as the 4c’s of credit, what factors affect your credit score, debt to income ratios, how does a lender qualify you for a mortgage and special mortgage products for first time buyer’s with as little as 3% down payment.

Speaker: Dino Callegari

Dino Callegari is an award winning mortgage professional representing Valley Bank’s Residential Mortgage division as a Vice President.

Having begun his career in 1988, he has excelled in roles such as Service Operations Manager, Community Lending Specialist, Home Loan Consultant, Sales Team Leader, Sales Manager and his current position as Branch Manager working out of Paramus, NJ. As a speaker at several mortgage forums, Dino has delivered presentations on topics ranging from Community to Government Lending programs. He has also worked as a liaison between mortgage lending and retail banking, bridging the gap and improving the consumer experience.

As a product of urban schooling, Dino has maintained a focus on lending in urban areas, especially to low and moderate income families. To that end, he has conducted a steady stream of classes and seminars to help educate potential homebuyers while offering the kind of insight that comes as an industry veteran. His outreach has impacted real estate and mortgage sales professionals, elected officials and community leaders.

Dino is a Drexel University alumnus, a veteran of the US Marine Corps and local soccer coach. He creates free time for his wife, four daughters and grandson in Hawthorne, NJ.

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