Mortgageswithsunny

Mortgageswithsunny Loan Officer | NMLS #395983 Sunny Fonseca
Loan Officer | NMLS #395983

09/02/2026

DSCR loans can be a game-changer for real estate investors 👀

Instead of qualifying the traditional way, the property’s rental income may help determine whether the deal works.

If you’re investing, this is definitely one loan option worth knowing about.

💡Let’s build a plan that actually works for you.

💥Fighting intensified today between the U.S. and Iran. Oil prices moved higher fairly quickly, and bond yields followed....
09/01/2026

💥Fighting intensified today between the U.S. and Iran. Oil prices moved higher fairly quickly, and bond yields followed. This has been a common…

Mortgage rates are still moving but that doesn’t mean your homebuying plans have to stop. 🏡📈

Today’s 30-year fixed benchmark is around 6.89%, but remember: your actual rate depends on your credit, loan program, down payment, property type, and overall financial profile.

The question isn’t always, “Is this the perfect rate?”
It’s “Does buying make sense for me right now?”

There may be options like seller concessions, temporary buydowns, FHA, VA, conventional, or other loan programs that can help make the numbers work.

📲 Before you decide to wait, let’s run the numbers.

MortgageBroker FloridaRealEstate KeyWestRealEstate SunnyDaysAhead

Fighting intensified today between the U.S. and Iran. Oil prices moved higher fairly quickly, and bond yields followed. ...
09/01/2026

Fighting intensified today between the U.S. and Iran. Oil prices moved higher fairly quickly, and bond yields followed. This has been a common…

08/31/2026

Trying to figure out how much home you can afford with an FHA loan? 🏡

It’s not just about the home price — your income, debts, taxes, insurance, and mortgage insurance all matter.

Save this for when you’re ready to run the numbers. 👀

💡Let’s build a plan that actually works for you.

08/28/2026

It happens 😅

💡Let’s build a plan that actually works for you.

08/28/2026

Before you say “I DO”… let’s talk real estate. 🏡💍

If you and your future spouse are both financially ready to buy, consider whether it makes sense for each of you to purchase a home individually before getting married.

Why? Instead of starting your marriage with just one property, you could potentially start with two properties, two opportunities to build equity, and the beginning of a real estate portfolio. 📈

Marriage is about building a future together—and sometimes that means making smart financial moves before the wedding.

Every situation and loan program is different, so talk to a mortgage professional before making the move.

Build the love. Build the marriage. Build the portfolio. 🏡❤️🏡

BuildWealth RealEstateInvesting

08/26/2026

Not every mortgage fits every borrower 👀

Investor? Business owner? Retired? First-time buyer? The right loan strategy can look completely different depending on your income, assets, goals, and the property itself.

That’s why knowing the loan options available to you matters just as much as knowing the rate.

Which one of these loan types surprised you the most?

💡Let’s build a plan that actually works for you.

08/24/2026

Think the person making more money automatically looks better to a lender? 👀 Not always.

That’s where DTI — debt-to-income ratio — comes in.

Lenders look at how much of your monthly income is already going toward debt, not just how much you earn.

In this example:
Person A = 45% DTI
Person B = 21.4% DTI

So even though Person A earns more, Person B has a much lower percentage of income tied up in monthly debt payments.

Your income matters — but so does what’s already coming out every month.

💡Let’s build a plan that actually works for you.

There’s something powerful about surrounding yourself with good, successful, supportive women. 🤍Women who genuinely want...
08/23/2026

There’s something powerful about surrounding yourself with good, successful, supportive women. 🤍

Women who genuinely want to see you win. Who celebrate your accomplishments, encourage your growth, and remind you of your strength when you need it most.

Success feels different when there’s no competition at the table just support, inspiration, good energy, and women pushing each other to become better.

Choose your circle wisely. The right women don’t just stand beside you they elevate you. ✨

08/22/2026

🏡 Your New Home Could Be Ready for the Holidays 🍂🦃

What if this Thanksgiving looked a little different?

✨ Your own kitchen
✨ Your own dining room
✨ Your family gathered in YOUR new home

If you close in September, your first mortgage payment is typically not due until November 1st.

That gives you October to settle in, decorate, and get ready to make your first holiday memories at home. 🤎

Don’t wait for the holidays to start thinking about buying. Start the conversation now.

📲 Let’s see what you qualify for and get you one step closer to homeownership. 🔑🏡

Payment dates may vary based on closing date and loan terms.

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Fort Lauderdale, FL

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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