Christie Mitsumura - Mason McDuffie Mortgage Corp.

06/17/2026

Buying the home is only part of the budget.

You also need to think about what happens after closing.

Furniture can wait.

Cosmetic upgrades can wait.

Big purchases on credit should be handled carefully, especially before closing.

And your emergency fund should not disappear just because the house needs a few things.

I always tell buyers:

Live in the home first.
Figure out what you actually use.
See what the house really needs.
Negotiate what you can before closing.
Buy the essentials first.
Protect your cash flow.

A smart mortgage plan includes cash left over, not just enough cash to close.

Save this for later.
Send it to a first-time buyer who is already building a shopping list.

06/17/2026

Happy 1st birthday to my little grandson Shayzyn!
I could never put into words how precious you are. You are a blessing and I love you❤️

Me’me’ - xoxo

06/13/2026

The scariest mortgage moments usually do not sound scary at first.

They sound normal.

“I financed furniture after pre-approval”

“I moved money from another account”

“I changed jobs mid loan”

“Getting pre-approved by a random online lender”

None of those are automatically deal breakers, but they can create real problems if no one looks at the full file before it matters.

That is why the strategy has to come before the surprise.

Save this for later.
Send it to someone who wants to buy soon.

06/10/2026

Buying the home is only part of the budget.

You also need to think about what happens after closing.

Furniture can wait.

Cosmetic upgrades can wait.

Big purchases on credit should be handled carefully, especially before closing.

And your emergency fund should not disappear just because the house needs a few things.

I always tell buyers:

Live in the home first.
Figure out what you actually use.
See what the house really needs.
Negotiate what you can before closing.
Buy the essentials first.
Protect your cash flow.

A smart mortgage plan includes cash left over, not just enough cash to close.

Save this for later.
Send it to a first-time buyer who is already building a shopping list.

06/09/2026

Self-employed buyers usually do not have a simple income story.

You may have strong revenue, smart write-offs, changing deposits, seasonal income, or a business that looks different on paper than it feels in real life.

That does not automatically mean you cannot qualify.

It means your mortgage needs to be reviewed with the right strategy before you apply.

The earlier we look at your income, tax returns, and possible loan options, the fewer surprises you run into later.

Comment or DM me “BOSS” and I’ll tell you what a lender may use for your income.

06/07/2026

A $10,000 seller credit is not automatically a $10,000 win.

It depends how it is used.

In some situations, it may make more sense to apply it toward closing costs.

In others, using it toward a rate buydown could help the monthly payment.

And sometimes the best answer depends on how long you plan to stay in the home, how much cash you want left after closing, and what your lender allows.

That is why the strategy matters.

Before you agree to a seller credit, ask how it actually changes your numbers.

Save this for later.
Send it to someone negotiating on a home purchase.

06/06/2026

Me, quietly rearranging income, debts, credit, down payment, lender rules, and thirteen tiny details so the loan can finally make sense.

This is why “just apply online” makes mortgage brokers blink twice.

The math has layers. The file has personality. The lender has opinions.

And somehow, we are going to make everybody get along.

Save this for later.
Send it to someone who thinks mortgage approvals are just vibes and a submit button.

06/06/2026

Friday nights and fabulous friends ❤️
Willie says - give em the bird but we smiled instead 🐔

06/01/2026

Thank you so much Josie for your incredibly kind and thoughtful words. It truly means a lot that you took the time to share your experience. Helping guide you through the loan process was such an honor, and I’m so glad we were able to make everything feel smooth, organized, and stress-free along the way.

I’m especially happy the suggestion to ask for additional seller credit was helpful and made a meaningful difference for your closing costs. Angelina and I both truly appreciate your kind recognition of our teamwork, communication, and support throughout the process.

Thank you again for your trust — it was a pleasure being part of such an important milestone. Wishing you all the very best as you settle into your new home!

Click to see all 102 reviews of Christie Mitsumura, Hawaii Manager- Sr. Mortgage Banker NMLS # 1396234