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Stephanie Bjorge Mortgage Consultant

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United States
Folsom, CA
Stephanie Bjorge Mortgage Consultant

🏡 NMLS 1445028
📲 925-699-9017
📍EDC & Sac County
🗣️ English & Spanish
🪑 .ypn
🚀 Founder
🐶 Mortgage= adoption

Guild Mortgage Company is an Equal Housing Lender; NMLS #3274 (www.nmlsconsumeraccess.org/)” For more licensing information, please visit www.guildmortgage.com/licensing)

I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

11/03/2026

Did you know your interest rate is a choice? 🤔

Most buyers think a lender hands them one rate, take it or leave it. In reality, every loan comes with a menu of options, and each one comes with either a cost or a credit at closing. 👇

💰 Discount points: Pay more upfront for a lower rate. 1 point = 1% of your loan amount. Often a smart move if you plan to stay put for years.

💵 Lender credits: Take a slightly higher rate and the lender covers part of your closing costs. Great if you want to keep more cash in the bank or might move or refinance in a few years.

📉 Temporary buydowns: Get a lower rate for just the first 1 to 3 years. It can be lender or seller paid, and you still qualify at the note rate.

There’s no one right answer. It depends on how long you’ll keep the loan, how much cash you want left after closing, and whether the seller is offering credits.

As a mortgage broker, I compare options from multiple lenders and lay them side by side, so you can pick what fits YOUR plans. 🏡

📲 Save this post for later and send it to a friend who’s house hunting!
💬 Questions? DM me or comment “OPTIONS” and I’ll reach out.

Se habla español

11/02/2026

Elk Grove first-time buyers, this one’s for you! 🏡

The City of Elk Grove can help with up to $59,650 toward your down payment and closing costs, and a family of 4 can earn up to $105,100 a year and still qualify.

Swipe through to see how it works, what it takes to qualify, and the income limit for your household. 👉

The City has to approve you before you make an offer, so don’t wait. DM or text me to get started. Se habla español. 💙

10/30/2026

📉 Rates just ended the week at their lowest level since September!

The 30-year fixed national average closed the week at 7.27%, down from 7.33% last Friday. Every major loan type moved lower this week: 15-year, FHA, VA and jumbo all dipped too.

Small weekly moves add up. If you’ve been watching and waiting, this is a great time to get your numbers run so you’re ready to move when the right home comes along. 🏡

Keep in mind these are national averages. Your actual rate depends on your credit, down payment, loan type and more. As a broker, I shop multiple lenders to find the best fit for you.

📲 Text me at 925-699-9017 for your real rate. No pressure, just answers.

10/30/2026

Goldman Sachs and Fannie Mae can’t both be right. 📉📈

Goldman sees the 30-year fixed easing to 6.4% by the end of 2027. Fannie Mae expects 7.5% all year long. That’s a 1.1-point gap between two of the biggest names in housing.

On a $400K loan, that gap is about $295 a month. Same house, same buyer, totally different payment depending on who you believe.

Meanwhile, the market is sending mixed signals:
🏠 Pending sales just hit their lowest level since 2001
💰 Prices are still up 1.3% from last year
🤝 Nearly half of August sales came with seller concessions

My take? Nobody knows which forecast will win, so don’t build your plan around either one. Plan around the payment that works for you today, and use concessions and buydowns to make it even better.

Thinking about buying in 2027? Text “RATES” to 925-699-9017 and I’ll run your real numbers. No pressure, just answers. 💬

Swipe through for the full breakdown 👉

10/30/2026

🚗 Leasing a car and thinking about buying a home? This one’s for you.

Freddie Mac clarified its guidelines: if you pay off or prepay the remaining balance on your auto lease, that monthly payment may no longer count in your DTI (debt-to-income ratio). 🙌

Before, lease payments always counted, no matter how many payments were left, because lenders assumed you’d sign a new lease or buy the car out.

Quick breakdown:
✅ Lease paid off or prepaid in full → may be excluded
❌ Lease not paid off → still counted, even with only a few payments left
✅ Car loan with 10 or fewer payments left → may be excluded

That could give you more room in your qualifying numbers. But before you move any money, let’s look at your loan, your available funds and lender requirements together so it actually helps you. 🔑

Questions? Send me a DM. There’s no such thing as a silly question when it comes to your home loan. 💬

📩 [email protected]
Se habla español

10/29/2026

🏡 Zillow just launched a program that covers your 3.5% FHA down payment. Here’s how it compares to the down payment grant I offer. 👇

Zillow Home Loans DPA

Up to 3.5% as a 0% interest second loan
No monthly payment
Forgiven after 5 years if you meet the program requirements
Sell or refinance before year 5? You pay it all back
640+ credit score

DPA Grant

2% or 3.5% of the purchase price
It’s a grant, not a loan
Forgiven at closing. Nothing to pay back, ever
Sell, move or refinance whenever you want 🙌
620+ credit score

Why does that matter? If rates drop in the next few years, you’ll want the freedom to refinance without a surprise bill for your down payment help. 🔑

Both are FHA loans, and neither is only for first-time buyers.

Want to see which down payment assistance loan fits your situation? Send me a DM or comment “GRANT” and I’ll walk you through it. 💬

📩 [email protected]
Se habla español

10/29/2026

Buying a rental but your tax returns don’t tell the whole story? 🏠📈 Meet the DSCR loan.

Instead of W-2s or tax returns, lenders look at whether the property pays for itself. The math is simple: monthly rent ÷ monthly payment = your DSCR.

✅ 1.25+ → cash-flowing, typically the best pricing
✅ 1.00–1.24 → breaks even, where most programs start
⚠️ Under 1.00 → still possible with some programs, usually with more down and a higher rate

Your ratio is the biggest thing that moves your rate, along with credit score, down payment, prepayment penalty, property type and loan size. Every lender weighs these differently, so I shop investor lenders side by side to find your best fit.

Swipe through 👉 then send me the address, price and expected rent and I’ll run your numbers. 📲

925-699-9017 · [email protected] · Se habla español

10/27/2026

🎃 Your Halloween weekend! 👻

Here's what's happening in and around Placerville this week:

🚗 Fri 10/30: Trunk-or-Treat & Scarecrow Contest, 4:30–7 PM at the EDH CSD Pavilion (free!)
🥂 Fri 10/30: House of LEOA (21+), 6 PM at Bubbles on Main
🐶 Sat 10/31: Halloween Spooktacular, 3–6 PM at El Dorado Hills Town Center (costume contest & pet parade at 5!)
🍬 Sat 10/31: Trick or Treat on Main Street, 4–6 PM in Historic Downtown Placerville
🍎 All month: Pumpkin patches and c***r donuts up at Apple Hill

Save this post so you don't miss a thing, and tag the friend you're trick-or-treating with! 🧡

Which one are you hitting first? Tell me in the comments 👇

10/27/2026

Mortgage insurance isn't forever… depending on your loan. 👀

If you put less than 20% down, you'll likely pay mortgage insurance. But FHA and conventional handle it very differently:

🏠 FHA (MIP): there's an upfront premium plus a yearly premium. With less than 10% down, it stays for the life of the loan unless you refinance. With 10% or more down, it drops off after 11 years.

🏡 Conventional (PMI): no upfront premium in most cases, and it doesn't last forever. You can ask to remove it once your balance reaches 80% of your home's original value, and it drops off automatically at 78%. If your home's value has gone up, a new appraisal may get you there sooner.

So which is better? It depends on your credit and down payment. As a broker, I compare FHA and conventional side by side across multiple lenders so you can see the real monthly difference before you choose.

Swipe to see the costs and timelines ➡️

📲 Text me at 925-699-9017
✉️ [email protected]
Se habla español

10/24/2026

EDCAR members: voting is happening this week, and EDCAR will email voting instructions, so keep an eye on your inbox. Not a member? I'd still love your good vibes! Questions? Message me anytime.

Address

Folsom, CA

Opening Hours

Monday	6am - 5pm
Tuesday	6am - 5pm
Wednesday	6am - 5pm
Thursday	6am - 5pm
Friday	6am - 5pm

Website

http://StephMortgageConsultant.com/

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