Cheryl Listman- Loan Officer

07/31/2025

Navigate the homebuying process with confidence. Discover what homebuyers need to decide on investing in their future home.

07/30/2025

You’ll Never Think About Mortgages the Same Way Again
Most people see a mortgage as just another bill. But the truth?
It’s one of the most powerful wealth-building tools you’ll ever use.
Here’s what a mortgage really does:
💰 Builds equity—growing your net worth with every payment
📉 Locks in your housing cost—while rent keeps rising around you
🏦 Acts like a built-in savings plan—automatically building value over time
🛠 Gives you freedom—to customize, renovate, and invest in your space
📈 Can be restructured—to lower payments, pay off debt, or access cash when you need it
A mortgage isn’t just a loan—it’s a long-term strategy. And when you use it right, it can reshape your financial future.
📲 Want to think differently about your next move? Let’s build a plan that works for you—not just today, but for years to come.

07/28/2025

You’ve heard the phrase—but how does it actually fit into your mortgage strategy? Let’s break it down:
💡 Buy now at today’s rate.
Even if rates aren’t ideal, you stop throwing money at rising rent and start building equity from day one.
💡 Refinance later—when the time is right.
When rates dip or your financial picture improves, refinancing can help you:
– Lower your monthly payment 💸
– Drop PMI once you hit 20% equity 🔓
– Shorten your loan term ⏳
– Tap equity for renovations, tuition, or debt payoff 🔧💡
💡 You’re not locked in.
Refinancing is a strategic tool—whether it’s in 6 months or 2 years. I’ll help you track the market and know when to make a move.
📊 This is a long game.
Smart buyers know the win is in owning early and optimizing over time—not waiting on the sidelines for a “perfect” moment that may never come.

Curious how this could work for you? Let’s run the numbers and build a plan. No pressure—just real clarity.

07/27/2025

Helping your child buy a home is one of the most meaningful gifts you can give.
Ask us how gift funds can be used toward a down payment or closing costs. We're here to help make home happen for your family.

07/24/2025

If you're dreaming of homeownership in Anne Arundel County but finding the upfront costs intimidating, we have good news. The ACDS Mortgage Assistance Program is here to make your journey into homeownership more accessible and affordable.

07/23/2025

July is about freedom—but what kind are you working toward this summer?
Not just fireworks and cookouts... we're talking financial freedom.
Here are some real goals I hear from clients this time of year:
💳 Paying off high-interest debt
🏡 Buying that first home
🔄 Refinancing to free up cash
💵 Saving for a down payment
📈 Boosting your credit score
🌴 Finally taking a vacation—without the money stress

What’s your freedom goal? Drop it in the comments or send me a quick DM—let’s make a plan that fits your life.

07/21/2025

Let’s be honest—getting a mortgage isn’t just about interest rates and paperwork. It’s about trust, strategy, and who’s guiding you through the process.
Here’s what I bring to the table:
📞 Clear, consistent communication
No guesswork. No ghosting. Just real updates and answers when you need them.
🧠 Tailored loan strategy
Whether you're a first-time buyer or an experienced investor, I help match your goals to the right solution.
💪 Proactive problem-solving
If challenges pop up, I’m already working on the fix before it becomes a fire drill.
💬 Transparent, no-fluff advice
You’ll always know where you stand, what to expect, and how to move forward.
❤️ Client-first mindset

I’m here to simplify the process, reduce the stress, and make sure your success is the priority—every step of the way.
Buying a home or just exploring your options? Let’s talk. I’m bringing experience, strategy, and support to every conversation.

📲 Message me when you're ready—I’ve got a seat saved for you.

07/20/2025

A scoop of good news.
Our FHLB Grant Funds are back—and they can help cover down payment or closing costs for first-time, non-first-time buyers and community partners.
That’s homeownership with extra sprinkles.
Ready to treat yourself to the sweet life? Let's chat.

07/18/2025

How does someone make the decision to go from renting a home to buying? It’s often a personal decision based on a combination of factors. Yet, sometimes, it’s beneficial to take the time to consider the value of making the move to buy. Could it be possible? Is that the decision best suited for y...

07/14/2025

The market’s heating up—here’s what’s IN (and definitely OUT) for savvy homebuyers this season:
IN ✅
🏡 Getting pre-approved before house hunting
→ Know your numbers before falling for the listing.
📊 Understanding your full monthly payment
→ Principal, interest, taxes, insurance—don’t just guess, own the breakdown.
📈 Buying now, refinancing later
→ Rates change. Equity builds. Strategy matters.
🧾 Having your docs ready to go
→ W-2s, bank statements, tax returns = smoother, faster closings.
👀 Keeping debt-to-income (DTI) in check
→ It’s a key approval factor. Let’s keep it tight and tidy.

OUT ❌
❌ Waiting for the “perfect” rate
→ Spoiler: It rarely arrives when you want it to.
❌ Trusting online estimates as gospel
→ Algorithms don’t know your story. I do.
❌ Skipping your credit check
→ Your score = power. Improve it, save big.
❌ Ghosting your lender mid-process
→ Communication = success. We’re on your team.
❌ Thinking 20% down is required
→ There are so many low-down-payment options. Let’s explore them.

Ready to be mortgage-smart this summer? Drop a 🔑 below or DM me—we’ll build your game plan together.

07/10/2025

07/07/2025

The New American Dream – Mortgage Edition The old dream? White picket fence. One-size-fits-all loan. Clock in, clock out.

The new dream? A home that builds equity and flexibility Mortgage options that fit your life—not the other way around Buy before rent spikes again Live close to coffee, Costco, and your commute.

Because today’s American Dream isn’t cookie-cutter—it’s personalized, practical, and powerful.

Let’s map out your version of homeownership. I’ll show you how to get there—starting with a smart mortgage strategy.