Tammie VanDeusen Loan Officer

Tammie VanDeusen Loan Officer Your lender from your first home to your last — from the mountains to the mesas! Helping clients build wealth through real estate. I love what I do!
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Summit Lending NMLS #1850081
Tammie VanDeusen NMLS #514878
nmlsconsumeraccess.org
Equal Housing Opportunity I'm still shocked they pay me to do this job. I get to help people realize the dream of home ownership every day. Getting a home loan in today's environment can be challenging and daunting. Though, I have been a mortgage lender for over 20 years. So there isn’t much I haven’t seen or come up a

gainst in the mortgage industry. I pride myself on making the process understandable and enjoyable. I cannot promise it will be easy, but I can promise to give you my best. I am honored to be a part of my customers lives from their first home to their last. I have helped hundreds of first time home buyers finance their first homes, to move on to their new homes and investment properties, and down to road with their retirement homes. I'm proud to be working with New American Funding. I have finally found a company that shares my passion and eagerness to get loans closed. You may be aware that being a direct lender to Ginnie Mae, Fannie Mae and Freddie Mac is a pretty big deal. The reason for this is that if you are not a direct lender you may have additional guidelines and overlays outside of the “normal” guidelines. This is why some lenders can do things that others can’t. New American Funding is direct. We have no overlays and the fastest turn times in the industry. Being a direct lender is the number 1 reason I work for this company.

06/15/2026

Self-employed borrowers often have one major challenge when qualifying for a mortgage:

Their tax returns don't always tell the whole story.

I recently had two transactions that could have fallen apart under traditional financing guidelines. In one case, tax returns had never actually been filed with the IRS. In another, a successful business owner had significant write-offs that reduced their qualifying income on paper.

Both deals were saved with a bank statement loan.

These programs allow us to qualify eligible borrowers using bank statements rather than relying solely on tax returns. In both cases, only 12 months of bank statements were needed.

If you're a Realtor working with self-employed buyers, business owners, independent contractors, or entrepreneurs, don't assume a deal is dead because the tax returns don't work.

There may be another solution.

📞 Tammie VanDeusen
(719) 310-3438

Tammie VanDeusen NMLS #514878
Summit Lending NMLS #1850081

Tammie VanDeusen

06/04/2026

Save $300-$400 Per Month on Your Mortgage | Temporary Buydowns Explained

One of the most valuable financing tools available in today's market is the Temporary Buydown, yet many buyers—and even some real estate professionals—don't fully understand how it works.

In this video, I break down the differences between a permanent rate buydown and a temporary buydown, explain how a 1-0 buydown can reduce a buyer's monthly payment during the first year of homeownership, and show how seller concessions can be strategically used to create immediate savings without reducing the purchase price.

Here's what you'll learn:

✅ What a permanent rate buydown is and when it makes sense

✅ How a temporary buydown works

✅ How a 1-0 buydown can lower monthly payments by $300-$400 per month

✅ How the buydown funds are set aside and applied each month

✅ Why temporary buydowns have become such a powerful negotiating tool

✅ How seller concessions can be used to fund the buydown

✅ Information about current UWM temporary buydown opportunities

As inventory levels increase and negotiations become more common, understanding creative financing strategies can help buyers improve affordability and help Realtors create stronger, more attractive offers.

Whether you're actively shopping for a home, preparing to list a property, or helping clients navigate today's market, this is a strategy worth understanding.

If you'd like to see how a temporary buydown could impact your monthly payment—or whether it makes sense for a specific transaction—I'd be happy to run the numbers for you.

Tammie VanDeusen
Summit Lending

📞 (719) 310-3438
📧 [email protected]
Tammie VanDeusen

"Your lender from your first home to your last — from the mountains to the mesas."

NMLS #514878
Summit Lending NMLS #1850081

The VA has released updated appraisal fees and turn times for Colorado counties effective May 1, 2026.Unfortunately, man...
05/28/2026

The VA has released updated appraisal fees and turn times for Colorado counties effective May 1, 2026.

Unfortunately, many of our rural and mountain counties are seeing substantial increases in both appraisal costs and turnaround times. Some areas are now pushing 12 business day turn times with appraisal fees up to $1,200 for multi-family properties.

If you’re writing offers in rural Colorado, it may be a good time to revisit appraisal deadlines and buyer expectations upfront to help avoid surprises during the transaction.

As always, I’m happy to help strategize financing scenarios and timelines for your buyers.

Tammie VanDeusen
Summit Lending
(719) 310-3438
[email protected]

Tammie VanDeusen

Helping people buy a home is never just about the loan for me — it’s about making sure my clients feel confident, inform...
05/21/2026

Helping people buy a home is never just about the loan for me — it’s about making sure my clients feel confident, informed, and supported every step of the way.

Buying your first home can feel overwhelming, but it shouldn’t feel impossible or stressful. I’m always happy to answer questions, explain the process, and be available when my clients need me… yes, even on weekends. 😊

Reviews like this mean the world to me because this is exactly the experience I want every client to have.

Thank you for trusting me to be part of such an important milestone. 🏡

Tammie VanDeusen
Summit Lending
📞 (719) 310-3438
🌐 www.mountainmesamortgage.com

05/15/2026

Buying a home? Here are the biggest mistakes that can destroy your loan approval before closing.

In this video, Tammie VanDeusen with Summit Lending breaks down the most common things buyers should avoid during the mortgage process — from opening new credit cards and financing cars to changing jobs, making large deposits, missing payments, and more.

If you're under contract or planning to buy a home soon, these tips could save your deal.

Whether you’re a first-time home buyer, using a VA loan, or buying your next home, these are things I really want you to avoid during the loan process.

A lot of buyers don’t realize that opening new credit, changing jobs, missing payments, or even moving money around incorrectly can completely change a loan approval.

Every situation is different, so before you make any financial changes during the home buying process, talk to your lender first. Most of the time, we can help you avoid problems before they become deal killers.

If you have questions about buying a home, getting pre-approved, down payment assistance, VA loans, FHA loans, or conventional financing, feel free to reach out or leave a comment below. I’d love to help.

Tammie VanDeusen
Summit Lending
📞 (719) 310-3438

🌐 www.mountainmesamortgage.com

Follow for more mortgage tips, home loan education, VA loans, FHA loans, first-time buyer guidance, and real estate financing strategies.

Tammie VanDeusen

05/08/2026

As a lender, I love when listing agents ask questions about a buyer’s financing before accepting an offer. It tells me you’re protecting your seller and taking your job seriously.

But I also see agents miss some of the biggest questions that can make or break a transaction.

In this video, I’m breaking down 8 questions every listing agent should be asking the buyer’s lender — from approval status and credit reports to contingencies, down payment sourcing, and communication throughout the process.

These conversations matter, and the right lender can make the entire transaction smoother for everyone involved.

Topics Covered:
• Fully approved vs pre-qualified buyers
• Tri-merge credit reports
• Sale and lease contingencies
• Interest rate qualification
• Condo, rural, and HOA approvals
• Debt payoff requirements
• Down payment sourcing
• Communication and lender updates

Tammie VanDeusen
Summit Lending
📞 (719) 310-3438
🌐 www.mountainmesamortgage.com

Your lender from your first home to your last — from the mountains to the mesas!

Tammie VanDeusen

05/06/2026

Attention First-Time Buyers & Veterans! Thinking about buying a home in Colorado Springs?

Check out the financing options available on this beautiful home at 1565 Piros Drive, Colorado Springs, CO! In this video, we break down VA, FHA, and Conventional loan options, estimated monthly payments, down payment requirements, and down payment assistance programs for first-time buyers and veterans.

Whether you’re purchasing your first home, using your VA benefits, or exploring financing options, we’re here to help guide you through the process from start to finish.

Property Details:
📍 1565 Piros Drive, Colorado Springs, CO
🛏️ 5 Bedrooms
🛁 3 Bathrooms
📐 2,500 Sq Ft
💲 Listed at $464,999

Financing Options Discussed:
✔️ VA Loan – $0 Down
✔️ FHA Loan – 3.5% Down
✔️ Conventional Loan Options
✔️ Down Payment Assistance Programs

Loan Information Provided By:
Tammie VanDeusen
Summit Lending
📞 (719) 310-3438
🌐 www.mountainmesamortgage.com

Listing Courtesy Of:
Crystal & Shawn
Everyday Properties & Investments | eXp Realty
📞 (719) 238-1771
🌐www.everydaypropertiesandinvestments.com

If you have questions about financing, monthly payments, or buying your next home, give us a call or send a message!

Tammie VanDeusen

01/09/2026

Trump’s Announcement and the Effect on Housing

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