Richard M. Sywensky, Mortgage Loan Originator

10/28/2026

Investing in real estate may be more within reach than you think.

DSCR loans offer a different way to finance an investment property by focusing on the rental income the property can generate rather than relying solely on your personal income.

In my latest blog, I break down how these loans work, what lenders look at, and what buyers in New Jersey and Pennsylvania should know before getting started. Understanding your options could open the door to opportunities you hadn't considered.

Read the full blog to learn more!

🔗 https://hubs.li/Q04CwdQG0

DSCR loans qualify investors on a property's rental income, not tax returns. See how RHMC's program works for rentals in New Jersey and Pennsylvania.

10/20/2026

Thinking about buying your first home in the Lehigh Valley? 🏡 You may have more options than you think...

FHA loans can help make homeownership more accessible with benefits like:
• Down payments as low as 3.5% for qualified buyers
• More flexible credit requirements than many conventional loan options
• Gift funds that may be used toward your down payment
• Potential seller contributions toward eligible closing costs

FHA loans do require mortgage insurance, and your actual costs will depend on your situation. But if saving for a down payment or building your credit has made buying feel out of reach, this could be an option worth exploring.

I put together a guide to help first time buyers understand how FHA loans work and what to consider before getting started.

Take a look, and if you have questions, I'm happy to help you work through your options!

https://hubs.li/Q04BMzVC0

Explore FHA loans for first-time homebuyers in Lehigh Valley, PA. Learn about low down payments, credit requirements, and financing options with RHMC.

10/13/2026

Buying a home shouldn't be a source of stress. My focus is on providing clear explanations and complete transparency so you can navigate the entire mortgage process with ease and total confidence.

10/07/2026

There are few places that capture the feeling of fall quite like Jim Thorpe. As someone who lives close by, my family and I often come here this time of year to enjoy the fall scenery and community events.
With its historic downtown, mountain scenery, local shops, and small town atmosphere, October is a great time to get out and experience everything this community has to offer.

If you’re planning a visit this month, here are a few things worth checking out:

🍂 Jim Thorpe Fall Foliage Festival
October 3 to 4
October 10 to 11
October 17 to 18
Downtown Jim Thorpe

👻 Jim Thorpe Rotary Ghost Walks
Fridays & Saturdays | 7 PM
Throughout October

🎃 Jim Thorpe Halloween Parade
October 24 | 2 PM
Downtown Jim Thorpe

From the changing leaves to the historic buildings and local businesses, Jim Thorpe has a lot of the things people are looking for when they picture small town Pennsylvania living.

If you’ve spent time in Jim Thorpe, what is your favorite part of the town?

09/29/2026

Guiding first time buyers through every step of the mortgage process is a true passion of mine. I am there for my clients from the initial conversation all the way to the closing table, ensuring complete support every mile of the journey.

09/24/2026

Your Offer Was Accepted. Now What?

Getting an offer accepted is a huge step, but it's not the finish line. More purchase contracts are being canceled after the offer is accepted, and financing problems can be one reason deals fall apart.

A quick pre approval can look great on paper without giving you the full picture of what underwriting may uncover later.

A Few Things That Can Cause Problems:
• Weak Pre Approval: Important issues may not be discovered until later in the process.
• Financing Delays: Finding a problem late can put your closing at risk.
• Seller Confidence: A strong financing plan can make a difference when you're competing against other buyers.
• Payment Changes: The wrong loan structure can create a payment that doesn't work for your budget.

This is why I want my buyers to be prepared before they ever write an offer. The more we can address upfront, the fewer surprises there are later.

At RHMC, our goal is to help you understand your numbers, build the right financing plan, and feel confident when you're ready to make an offer.

Getting the house under contract is exciting. Let's make sure we have a plan to get you to the closing table too.

Click the link below to get connected
https://hubs.li/Q04yd0Gr0

09/22/2026

Complex financial situations require more than standard solutions; they demand dedicated strategy and deep industry expertise. My priority is to take the time to understand your unique scenario, navigate every challenge, and secure the optimal outcome for your home purchase.

09/08/2026

Easton is one of those communities where there's always something happening.

Between the historic downtown, local businesses, parks, rivers, restaurants, and community events, there's a lot to explore and plenty of reasons people choose to call Easton home.

If you're looking to get out into the community this September, here are a few things worth checking out:

🎨 Paint a Hydrant
🗓 September 25
⏰ 5:00 PM to 7:00 PM
📍 Downtown Easton
3rd Street & Northampton Street

🌶️ Hot Pepper Showdown
🗓 September 26
⏰ 9:00 AM to 1:00 PM
📍 Easton Farmers' Market
128 Larry Holmes Drive

🌙 Harvest Moon
🗓 September 26
⏰ 4:00 PM to 7:00 PM
📍 Third Street Alliance
41 N. Third Street

Whether you're checking out a local event, exploring downtown, or starting to think about your next home, Easton is a community worth getting to know.

Thinking about buying in Easton or the Lehigh Valley? I'd be happy to help you figure out where to start.

Send me a message or click the link below to start the conversation.
https://hubs.ly/Q04wXBxk0

09/07/2026

Happy Labor Day! 🇺🇸 Today, we recognize and appreciate the hard work and dedication of the people who keep our communities moving. Wishing you a wonderful day with family and friends.

09/03/2026

The September Advantage 🏡🍂

If you've been thinking about buying but didn't want to jump into the busy summer market, September could be worth another look.

Once summer starts winding down, there may be fewer buyers competing for homes. That can mean less pressure, more negotiating room, and opportunities to make the numbers work a little better.

📈 What Could Make September Different:

• Less Competition: Fewer buyers may mean less pressure when you're ready to make an offer.

• More Room to Negotiate: Some sellers may be more willing to consider price changes or concessions.

• Seller Credits: Depending on the situation, seller credits or rate buydowns could help with the overall cost of buying.

• More Time to Make a Decision: You may have more room to look at your options without feeling like you have to rush.

You don't have to wait for the “perfect” market to buy a home. The important thing is understanding what you can comfortably afford and what opportunities are available right now.

If you've been waiting for a better opportunity to make a move, let's take a look at what September could look like for you. I can help you work through the numbers and understand your options before you make a decision.

Reach out using the link below and let's talk through your options.
https://hubs.li/Q04wyRH70



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