Tammie VanDeusen

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...

  Did you know that with a VA home loan, the seller can help pay off your debt? In this video, I explain how VA loan seller concessions work and how you can use up to 4% of the purchase price to improve your financial situation at closing. Most buyers think concessions are only for lowering the interest rate or covering closing costs—but VA loans allow much more flexibility. You may be able to use seller concessions to pay off credit cards, collections, or other qualifying debts, giving you a stronger financial start in your new home. In this video, we cover: • What VA loan seller concessions are • The 4% rule explained • How to use concessions to pay off debt • Strategies to negotiate a better deal • How this can improve your financial position If you’re a veteran, active duty service member, or eligible VA buyer, this is a benefit you don’t want to overlook. I’m Tammie VanDeusen with Summit Lending, and I help clients navigate VA home loans every day. Have questions or want ...

Did you know you can pay off your mortgage 5–6 years early just by making one extra payment a year? In this video, I break down simple strategies that can save you thousands of dollars in interest over the life of your loan. Most homeowners don’t realize how small changes can make a huge impact. We’ll cover easy ways to do it, including: • Adding 1/12 of your mortgage payment each month • Making one extra payment per year (like with a tax refund) • Setting up bi-weekly payments (26 half-payments = 1 extra full payment) These are simple, realistic strategies that can help you build equity faster and get out of debt sooner—without drastically changing your lifestyle. I’m Tammie VanDeusen, and I help people navigate home loans every day. Whether you’re buying, refinancing, or just want to be smarter with your mortgage, I’m here to help. Have questions? Reach out anytime. Don’t forget to like, comment, and subscribe for more mortgage and home buying tips. #MortgageTips #HomeLoans #RealEsta...

https://www.youtube.com/shorts/Zm7YM7Q_NGQ I learned something new recently. I’ve always known you can have more than one VA loan, but I just closed my client’s third VA loan. VA loans are one of the most powerful benefits out there, and most people don’t fully understand how to use them. With the right strategy, you can absolutely have more than one at a time—it all comes down to your entitlement and loan limits. I do second VA loans pretty often, but this was my first time closing three for a client, and honestly… more people should be taking advantage of this. If you’re a veteran or active duty and thinking about buying again (or keeping your current home), don’t assume you’re stuck. There are options. I’m Tammie VanDeusen, and I help people navigate this every day. If you have questions, let’s talk. And if this surprised you… hit follow. I’ve got a lot more where this came from. #VALoan #MortgageTips #Veterans #HomeBuying #RealEstate #MilitaryBenefits #LoanOffice #TammieVanD...

  https://www.youtube.com/shorts/WHG0xk788Hs Using your tax refund to pay off debt might seem like the smartest move—but it can actually hurt your credit score if you’re not careful. In this tip, I explain how paying off debt the wrong way can lower your credit score and impact your ability to buy a home. If you’re planning to purchase a house or improve your credit, understanding how different types of debt affect your score is key. You’ll learn: • When paying off debt helps your credit score • How closing accounts can negatively impact your credit These simple insights can make a big difference when it comes to qualifying for a mortgage and getting better loan options. If you’re thinking about buying a home or want guidance on your next steps, connect with me to get personalized advice. Like and follow for more practical tips on home buying, credit, and smart financial decisions. Tammie VanDeusen Your lender from your first house to your last. From the mountains to the mesas. (71...