Summit Funding - Rolando Nandin

02/01/2025

Good evening, Realtors and friends. I invite you to join us for an open house tomorrow, Saturday, from 1 to 5 PM. We would be delighted to discuss the Summit Funding Community program available for this home and demonstrate the potential savings it offers. Both Susan Monnin and I will be present during this time, ready to assist. Whether you're facing challenges with a down payment or are simply in the market, we welcome you to stop by and explore your options.

Learn more about 8349 Morningside Place, Selma, TX 78154. This home is priced at $428,180, with 4 beds, 4 baths, and…

01/25/2025

🌟 Unlocking Homeownership for Veterans with VA Loans! 🏡🇺🇸**

Are you a veteran or active-duty service member looking to buy a home? VA loans are an incredible benefit designed just for you! Here’s why you should consider this amazing opportunity:

🔹 **No Down Payment**: That's right! VA loans allow you to purchase a home without a hefty down payment, making homeownership more accessible.

🔹 **Competitive Interest Rates**: Enjoy lower interest rates compared to conventional loans, which can save you thousands over the life of your mortgage.

🔹 **No Private Mortgage Insurance (PMI)**: VA loans eliminate the need for PMI, further reducing your monthly payments.

🔹 **Flexible Credit Requirements**: VA loans offer more lenient credit requirements, making it easier for you to qualify.

🔹 **Support for Your Family**: VA loans are not just for you; they can also benefit your spouse and children, helping to create a stable home environment.

As a loan officer dedicated to serving our veterans, I’m here to guide you through every step of the VA loan process. Whether you have questions or need assistance, reach out today! Let’s make your dream of homeownership a reality.

📞 [210 885 3369]
🖥[www.themortgageangler.com]

01/24/2025

Self-employed individuals can qualify for a mortgage loan, but there are specific factors that lenders typically consider that makes your loan a qualified mortgage or a non qualified mortgage.

1. **Stable Income**: Lenders want to see a consistent and stable income. This often means providing documentation of earnings over at least two years. ** 1 year possible but more in depth consultation required to see if we can.

2. **Tax Returns**: Self-employed borrowers usually need to submit personal tax returns for the last two years, along with any business tax returns if applicable. This helps lenders assess income.
** 1 year possible but more in depth consultation required to see if we can.

3. **Profit and Loss Statements**: Some lenders may ask for year-to-date profit and loss statements to gauge current income levels.

4. **Bank Statements**: Providing bank statements can help demonstrate cash flow and savings, which can be crucial for self-employed borrowers.

5. **Credit Score**: A good credit score is important. While there may not be a specific minimum, a higher score can improve your chances of approval and lead to better terms.

6. **Debt-to-Income Ratio**: Lenders will look at your debt-to-income (DTI) ratio to ensure you can manage additional debt.

7. **Reserve Funds**: Having reserve funds (savings or assets) can strengthen your application, showing lenders that you have a safety net.

8. **Business Structure**: The type of business structure (sole proprietorship, LLC, etc.) may affect how income is reported and perceived by lenders.

By addressing these factors, self-employed individuals can improve their chances of qualifying for a mortgage loan.

Call me for strategic guidance!
210 885 3369

Apply Now

https://www.themortgageangler.com/

01/23/2025

Jumbo loans with more options for borrowers that don’t fit the conventional mold. Plus, we can provide you with extensive, common-sense pre-
qualification, usually within 24 hours. You can say yes with confidence, knowing that we make sure
there are no surprises down the road due to my extensive back ground experience as underwriter.

🌟 Up to 70% LTV for loan amounts as high as $3,000,000
🌟 Up to 85% LTV for loan amounts as high as $1,500,000
🌟 30-Year Fixed or 5/1 ARM with 10-Year
Interest-Only with 40-Year Term options

12- and 24-Month Bank Statement programs with P&L statements NOT required

Highly competitive rates

Industry-leading funding times

As little as 48 months’ seasoning for foreclosure, short sale, or loan modification

Up to $1,000,000 cash out

Contact me today to talk through your borrower’s loan scenario.

210 885 3369

Apply Now:

01/02/2025

Congratulations to my clients, Michael and Melissa!! It was a pleasure assisting this incredible family!! We met December 14th, found the perfect home and closed December 30th! Shout out to Beazer Homes, Amanda Ham, sales rep and Garrick, construction manager! Standing ovation for Rolando Nandin at Summit Funding who closed in 2 weeks with Christmas in the middle of it all! Finally, thanks to my exp colleague in San Antonio for trusting me with the referral!

01/01/2025

Happy new year friends and family!

12/25/2024

5.0 star review received on Experience.com for Rolando Nandin by Pedro D V - We have been trying for several years to buy a house and we finally have it.

Click to see all 53 reviews of Rolando Nandin, Sr. Mortgage Consultant | NMLS ID # 2000054

12/23/2024

5.0 star review received on Experience.com for Rolando Nandin by Candace M M - Very knowledgeable about the process. Which made the transition quick and smoother. Respondes in an approriate and timely manner. Made me feel like you really cared about me, and had my best interest.

Thanks,

Candace

Click to see all 53 reviews of Rolando Nandin, Sr. Mortgage Consultant | NMLS ID # 2000054

12/23/2024

5.0 star review received on Experience.com for Rolando Nandin by Ray A S J - Rolando's comitment and hard work to get me the best deal possible. And he's become a friend

Click to see all 53 reviews of Rolando Nandin, Sr. Mortgage Consultant | NMLS ID # 2000054

12/22/2024

5.0 star review received on Experience.com for Rolando Nandin by Javier J G - Rolando shared his extensive mortgage knowledge and provided all options available to get the best loan type for me. He was diligent in his search for the best rate at the most opportune time. I knew I was in good hands.

Click to see all 53 reviews of Rolando Nandin, Sr. Mortgage Consultant | NMLS ID # 2000054

10/07/2024

Attention Realtors! We’re just 1 WEEK AWAY from an exclusive Mastermind Event with top realtor Evan Barron! Learn how leverage YouTube into a lead generating machine and how to convert your content into commission. 💸💰



🗓️Tuesday, October 15, 2024 🕛 12:00PM PST



Don’t miss out! Click the link below to register now and secure your spot!

https://summitfunding-net.zoom.us/meeting/register/tJ0scOqrrTktGtUIy_VYChU2OlThZ_q0_eU6

10/05/2024

I want to highlight a crucial aspect of the mortgage and real estate process: understanding the risks involved when seeking financing outside of traditional methods. It's essential for consumers to recognize that banks assess risk, and non-traditional financing can often lead to higher interest rates.

In my experience, utilizing established programs like VA, FHA, USDA, and conventional loans typically yields more favorable terms. That's why I believe it's vital to educate clients about these options. Having a knowledgeable loan officer who can guide them through the various financing routes and explain the implications of their choices can make a significant difference in their home-buying experience.

Here at Summit Funding we have every product under the sun. Given your specific scenario, we will explore all options, in the order that best benefits you! Talking to an expert will save you money and time. CALL ME

https://linqapp.com/rolando_nandin

10/03/2024

5.0 star review received on Experience.com for Rolando Nandin by Tammy S - It was a little overwhelming for me at first but you made the process very doable. You would call to make sure I was doing ok. I found that very comforting.

Click to see all 53 reviews of Rolando Nandin, Sr. Mortgage Consultant | NMLS ID # 2000054

10/03/2024

5.0 star review received on Experience.com for Rolando Nandin by Howard S - You made things easy with us being a good distance away

Click to see all 52 reviews of Rolando Nandin, Sr. Mortgage Consultant | NMLS ID # 2000054

09/26/2024

Real Estate Agents!!!

We are so excited to announce that registration is now open for our upcoming October 2024 Sales Summit in Sacramento!

Session content will include:
• A session from Keynote Speaker Marjorie Adam, a Nationwide Top-Producing Real Estate Agent
• Money 101
• The 4 Parts of A Sale with Robyn LaVassaur (Summit Funding EVP of Sales) & Marjorie Adam
• Leveraged Events
• Time Management
• Finding Gold In Your Database
• Target Marketing with Todd Scrima (Summit Funding CEO) and Jenay Bowen (Summit Funding Sales Manager)
• & so much more!

09/23/2024

What does the Feds Rate Cut Mean!
Prime Rate VS Federal Funds Rate.

There have been numerous misconceptions circulating in the media following the Fed's decision to cut rates. Many outlets have reported that with the Fed's 50 basis point cut, mortgage rates will automatically drop by 0.5%, showing potential savings for consumers. However, this is misleading. The Fed is not directly lowering mortgage rates; instead, they are adjusting the overnight rate that banks use for interbank lending.

When the Fed reduces the Federal Funds Rate, it decreases the cost for banks to borrow from one another. This change impacts the borrowing rates for businesses and consumers as well as the interest rates that banks and financial institutions offer on deposits. The Fed's goal in lowering the Federal Funds Rate is to stimulate economic activity.

This process, known as monetary "easing," typically boosts aggregate demand for goods and services and raises employment levels.

The Prime Rate is the interest rate that banks and credit unions charge their customers, including large corporations. It serves as a benchmark for various loans.

Since the prime rate is closely linked to the Federal Funds Rate, fluctuations in the prime rate often reflect the Fed's outlook on the economy. When the Federal Funds Rate rises, leading to an increase in the prime rate, it indicates a monetary "tightening" or "contractionary" policy.

09/14/2024

5.0 star review received on Experience.com for Rolando Nandin by Andrew H M - Rolando kept in contact with me about important events and changes during the process, and thoroughly explained things for me to better understand and continue on forward, I credit his expertise and knowledge about the process for making this purchase possible for me.

Click to see all 50 reviews of Rolando Nandin, Sr. Mortgage Consultant | NMLS ID # 2000054

09/06/2024

5.0 star review received on Experience.com for Rolando Nandin by Robert D E - Great communication, understanding and willing to work hard to make the deal

Click to see all 39 reviews of Rolando Nandin, Sr. Mortgage Consultant | NMLS ID # 2000054