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Save $300-$400 Per Month on Your Mortgage | Temporary Buydowns Explained

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  One of the most valuable financing tools available in today's market is the Temporary Buydown, yet many buyers—and even some real estate professionals—don't fully understand how it works. In this video, I break down the differences between a permanent rate buydown and a temporary buydown, explain how a 1-0 buydown can reduce a buyer's monthly payment during the first year of homeownership, and show how seller concessions can be strategically used to create immediate savings without reducing the purchase price. Here's what you'll learn: What a permanent rate buydown is and when it makes sense How a temporary buydown works How a 1-0 buydown can lower monthly payments by $300-$400 per month How the buydown funds are set aside and applied each month Why temporary buydowns have become such a powerful negotiating tool How seller concessions can be used to fund the buydown Information about current UWM temporary buydown opportunities As inventory levels increase a...
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VA Updated Appraisal Fees and Turn Times

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  The VA has released updated appraisal fees and turn times for Colorado counties effective May 1, 2026. Unfortunately, many of our rural and mountain counties are seeing substantial increases in both appraisal costs and turnaround times. Some areas are now pushing 12 business day turn times with appraisal fees up to $1,200 for multi-family properties. If you’re writing offers in rural Colorado, it may be a good time to revisit appraisal deadlines and buyer expectations upfront to help avoid surprises during the transaction. As always, I’m happy to help strategize financing scenarios and timelines for your buyers. Tammie VanDeusen Summit Lending (719) 310-3438 tammie@summitlendingusa.com
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The Things You Shouldn't Do When Getting A Home Loan

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  Buying a home? Here are the biggest mistakes that can destroy your loan approval before closing. In this video, Tammie VanDeusen with Summit Lending breaks down the most common things buyers should avoid during the mortgage process — from opening new credit cards and financing cars to changing jobs, making large deposits, missing payments, and more. If you're under contract or planning to buy a home soon, these tips could save your deal. Whether you’re a first-time home buyer, using a VA loan, or buying your next home, these are things I really want you to avoid during the loan process. A lot of buyers don’t realize that opening new credit, changing jobs, missing payments, or even moving money around incorrectly can completely change a loan approval. Every situation is different, so before you make any financial changes during the home buying process, talk to your lender first. Most of the time, we can help you avoid problems before they become deal killers. If you have questions...
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8 Questions Listing Agents Should Ask The Lender

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As a lender, I love when listing agents ask questions about a buyer’s financing before accepting an offer. It tells me you’re protecting your seller and taking your job seriously. But I also see agents miss some of the biggest questions that can make or break a transaction. In this video, I’m breaking down 8 questions every listing agent should be asking the buyer’s lender — from approval status and credit reports to contingencies, down payment sourcing, and communication throughout the process. These conversations matter, and the right lender can make the entire transaction smoother for everyone involved. Topics Covered: • Fully approved vs pre-qualified buyers • Tri-merge credit reports • Sale and lease contingencies • Interest rate qualification • Condo, rural, and HOA approvals • Debt payoff requirements • Down payment sourcing • Communication and lender updates Tammie VanDeusen Summit Lending (719) 310-3438 www.mountainmesamortgage.com Your lender from your first home to your la...
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DSCR Loans Explained: Qualify with Rental Income Only

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Hey there, Tammie VanDeusen with Summit Lending. I want to talk to you about DSCR loans—one of the best tools out there for real estate investors right now. If you’ve got at least 20% down and the rental income covers the payment, you can qualify. No tax returns, no pay stubs. This is huge, especially for self-employed investors who write off income and get stuck qualifying the traditional way. DSCR loans put you back in the game. I’ve done several of these recently, and they work exactly as advertised. A common sweet spot we’re seeing is around a $350,000 purchase with about $3,000 a month in rent—but there are solid opportunities at lower price points too. If you want to see if this could work for you, give me a call. #dscrloans #dscrloan #realestateinvesting #realestateinvestor #investmentproperty #rentalproperty #rentalincome #passiveincome #cashflow #cashflowproperties #mortgagetips #mortgageforinvestors #nodocloan #noincomeloan #selfemployedmortgage #realestatefina...
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