Natalia's Mortgage Whisperer Team

10/15/2026

I just got my mortgage insurance CANCELED. 🙌🏼

I bought in 2020 with less than 20% down. Like everyone else, I was told this would be a headache. It wasn't. I paid a small fee for the new valuation, which is nothing compared to what I was paying every single month.

Here's the thing: if your conventional loan is over 5 years old, you may only need 20% equity based on your home's current value. Between 2 and 5 years, the bar is 25%. You'll also need a clean payment history.

Want to know if you're there? Comment MI or DM us. My Mortgage Whisperer Team will run a report so you can see roughly what your home is worth today. No pressure, just clarity. 🫶🏼

My Mortgage Whisperer | Summit Home Loans | NMLS #1017998 | Equal Housing Opportunity

10/09/2026

DM me if you want to be included in the tools we are creating to support you realtors and home sellers with the massive changes coming in the appraisal requirements! And as always, give us a holler with any of your home lending or investing needs!! 435-512-4363

08/26/2026

🏡✨ Congratulations, Diane & Dan! ✨🏡

We are so excited for you both as you officially close on your new home and begin this next chapter! It was such a pleasure helping you through the mortgage process, and we can’t wait to see you turn this beautiful new place into your own little homestead. 🌿🐓🏡

Here’s to new beginnings, new memories, and all the exciting plans ahead. Congratulations on your new home! 🥂🔑

A huge thank you to Rachel for all of her hard work, communication, and dedication throughout the process. We truly appreciate everything you did to help make this purchase a success and get Diane and Dan to the closing table! ❤️

Welcome home, Diane & Dan! 🎉🏡

06/08/2026

We love getting good news on a Monday 🎉!!

1 day approval on a new purchase for our borrowers!

05/19/2026

Know the cost behind waiting!

05/11/2026

Monday Mortgage Update!

04/01/2026

Well we’ve got to have fun amidst all the solution finding and goal achieving we do with our clients!!

Truly though, any loan officer, any team, is only as strong as their “weakest link” and I’m proud to report that when it comes to the mortgage whisperer team, there are only strong, supportive and incredibly wise teammates here!

Although this only depicts Marissa & Natalia- RJ, Kenzie and Ridge are just as driven to excellence and finding the method to get you HOME.

♥️🏡
The Mortgage Whisperer Team

03/30/2026

03/26/2026

A lot of people believe bankruptcy means they can’t buy a home for 7–10 years.

That’s one of the biggest myths we hear.

The reality is that mortgage eligibility depends on the type of bankruptcy and how much time has passed.

Here’s a simplified breakdown:
Chapter 7 Bankruptcy
• FHA & VA loans may be possible 2 years after discharge
• Conventional loans typically require 4 years after discharge
Chapter 13 Bankruptcy
• Some buyers may qualify while still in the repayment plan after 12 months of on-time payments (with court approval)
• Conventional loans generally require 2 years after discharge

There are also situations called extenuating circumstances.

This means the bankruptcy was caused by something outside your control like:
• serious illness
• loss of employment
• major life events

When those circumstances can be documented, some loan programs may shorten the waiting period.

The bigger point is this:
Bankruptcy doesn’t always close the door on homeownership.

Sometimes it simply resets the timeline.
With the right guidance, strategy, and credit rebuilding, many people are able to buy again sooner than they expected.

If you’re not sure where you fall in the timeline, that’s exactly the type of situation we help people navigate. Bankruptcy changes the conversation, but it doesn’t always end it.

03/23/2026

A home can be shelter, stability, and a long-term financial asset all at once.

Many homeowners build equity over time through:
✔ Principal paydown
✔ Market appreciation
✔ Long-term ownership

That equity can eventually become a powerful financial tool depending on your goals.

Homeownership isn’t just about the monthly payment — it’s about the long-term strategy.

If you’re curious how homeownership could fit into your financial picture, we’re always happy to talk.