Steve Conti Summit Crest Home Loans

Steve Conti Summit Crest Home Loans šŸŽ–ļøHelping Vets Into Homes with $0 down
šŸ  50+ Families Into Homes | 50+ 5 ā­ļø reviews
šŸ’ˆSupporting small businesses

05/17/2026

She thought she was stuck.
Owned a home. Needed to sell it to buy the next one. Which meant writing offers with a home sale contingency. In this market, thatā€™s a near-instant rejection in any competitive situation.
Hereā€™s what most people donā€™t know. Tax returns are not the only way to qualify for a mortgage.
We ran her through a bank statement loan. Qualified her off her actual deposits instead of her net income after writeoffs. Her qualifying income doubled.
The result? She went from a $200K-$250K budget with a contingency to nearly $500K with no contingency at all. Same person. Same income. Different loan product.
If your tax returns are working against you, or youā€™re trapped between selling and buying, there are paths most loan officers wonā€™t even mention.
DM me ā€œBANKā€ and Iā€™ll walk you through whether this fits your situation.

05/12/2026

Love being a broker with and having a partner like - in any other situation this would have been a deal killer but I was able to pivot, move my client to a different lender, get them a smokinā€™ low interest rate, and Stan track to Close on time with 10 days until closing.

05/01/2026

What happens to your home after you pass away?

Most homeowners never think about this until it's too late.

Your mortgage doesn't disappear. Your family could be forced into probate. State law could decide who gets your home.

The good news? A living trust can bypass all of it.

This is why estate planning and your mortgage strategy need to work together.

Save this and share it with someone who needs to see it.

Questions? Drop them below or DM me.

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Steve Conti | Mortgage Loan Officer
šŸ“±

04/22/2026

Most people don't realize that what happens in Washington and the Middle East directly hits your mortgage rate.

Kev in Warsh is heading into his Fed chair confirmation hearing. Iran tensions are pushing oil prices up. Both of those things create rate volatility.

The market is stable this week. That can change fast.

If you've been sitting on the fence about buying or locking a rate, this is the week to have that conversation. Hesitation is expensive in mortgages, just like it is on a fir

04/16/2026

The Mortgage Recast Nobody Talks About:

You can lower your monthly mortgage payment without refinancing. Most people have never heard of it.

It's called a mortgage recast.

Here's how it works.

You make a large lump-sum payment toward your principal.

Then you ask your lender to re-amortize the loan.

Same interest rate. Same loan term.

But your monthly payment drops because the balance is lower.

This is not a refinance. No new closing costs. No credit check. No new loan.

Most lenders charge a flat fee of $200 to $500 to process it.

That's it.

One couple I worked with received a $40,000 inheritance.

They put it toward their mortgage principal and requested a recast.

Their monthly payment dropped by $260.

Every single month. For the rest of the loan.

If you've come into any money recently and you're thinking about what to do with it, this is a conversation worth having.

Drop "RECAST" in the comments and I'll explain how to check if your loan qualifies.

04/14/2026

The county assessed your home too high. Most homeowners just pay it. You don't have to.

Every year, local governments assess the value of your home and charge you property taxes based on that number.

The problem?

They get it wrong all the time.

And almost nobody challenges it.

Here's how it works:

If your home was assessed at a higher value than what comparable homes in your neighborhood sold for, you have legal grounds to appeal.

The appeal process is usually free.

It takes a few hours.

And the savings can be hundreds of dollars a year.

I had a client in [City] whose property was assessed at $340,000.

Comps in the neighborhood were selling at $295,000.

He filed an appeal. Assessment came down.

His annual tax bill dropped by over $600.

And that flows directly through your escrow account, which means your monthly mortgage payment goes down too.

Your county assessor's website has the appeal form. Deadline is usually once a year.

Don't just pay a number the government chose for you.

Tag a homeowner who needs to see this.

04/13/2026

When it looks too good to be true, it probably is!

if you receive something in the mail, promising a super low interest rate please make sure to read the fine print before you pick the phone up and call them.

I always educate my clients to send me a picture of any mail, text, or email solicitations they receive from other banks so that I can quickly tell them if itā€™s legitimate or not- because they always know that I have their best interests at heart!

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Chagrin Falls, OH
44022

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