Sheryl Nelson Mortgage Loan Originator NMLS# 404492

09/13/2026

Lenders use your debt-to-income ratio to help determine your mortgage eligibility. Car payments, student loans, credit cards, and child support are typically included, while everyday expenses like groceries and utilities are not. Contact me to learn more.

09/11/2026

Rates remained elevated during the week ending September 11, 2026, as oil prices pushed higher and inflation worries persisted. Granite Bank is an Equal Housing Lender.

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09/09/2026

USDA loans may allow eligible buyers to purchase a home with no down payment. Eligibility depends on the property's location and income requirements. Closing costs and other expenses may still apply. Contact me to see if you qualify.

09/07/2026

Happy Labor Day! Wishing you and your family a safe and happy holiday.

09/04/2026

Rates moved higher during the week ending September 4, 2026, due to rising bond yields and expectations of a possible September Fed policy rate hike. Granite Bank is an Equal Housing Lender.

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09/02/2026

Which mortgage option fits your homeownership goals? Fixed-rate loans offer stability with predictable payments, while adjustable-rate loans may start with a lower rate that can adjust over time. Your future plans for the home can help determine which path is right for you. Reach out to learn more about your mortgage options.

08/31/2026

Need to buy before selling your current home? The DTI Eliminator program may help eligible buyers qualify for a new home purchase without including their current mortgage payment in the debt-to-income calculation, subject to program guidelines and qualification requirements. Individual results vary, and mortgage approval remains subject to application, underwriting, and credit approval. Contact me to learn more.

08/29/2026

Not all assets are valued the same way during the mortgage process. Stocks, mutual funds, stock options, and government bonds may be considered differently when calculating reserves. Understanding how your assets are evaluated can help you prepare for home financing. Contact me to learn more.

08/28/2026

Rates improved slightly during the week ending August 28, 2026, despite a report showing stubbornly high inflation. Granite Bank is an Equal Housing Lender.

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08/27/2026

Do you know the difference between being pre-qualified and pre-approved? Check out the blog post on my website to learn more.