Suzohne West "Suz'", Sr. Loan Officer

10/30/2026

🏡 Home affordability isn’t only about interest rates.

The Mortgage Bankers Association recently released 20 recommendations aimed at lowering the cost of buying and financing a home.

A few that caught my attention:
💰 Potentially lower FHA mortgage insurance costs
💰 Reduce certain Fannie Mae and Freddie Mac pricing fees
📄 Reduce unnecessary credit-report expenses
🏢 Make condo financing easier
🏠 Look for ways to lower title and closing costs

MBA estimates that just one proposal — a 0.20% reduction in FHA annual mortgage insurance — could save a borrower with a $400,000 FHA loan nearly $800 per year.

For buyers, the bigger takeaway is this:
~Affordability is about more than waiting for rates to fall.
~Loan structure, mortgage insurance, closing costs, seller concessions, down-payment options, and choosing the right financing strategy can all affect what homeownership actually costs.
~For my Realtor partners, this is another reason to bring the lender into the conversation early. Sometimes the financing strategy can completely change what feels affordable to the buyer.

These are proposals and are not currently in effect, but they’re worth watching.

📩 Want all 20 MBA recommendations? Comment “20” or DM me “20” and I’ll send you the report.

📲 (702) 427-4075
🌐 www.GoSeeSuz.com

09/24/2026

08/27/2026

🏦 Wealthy. Retired. Denied.

I came across a report that highlights a huge problem for older homebuyers.

Consider these numbers:

Homeowners 62+ hold $14.66 trillion in home equity — an all-time high.

Americans 70+ now control more real estate wealth than the 40–54 age group for the first time.

Yet mortgage denial rates are still 2.7% higher for borrowers 70+.

Think about that.

Some of the wealthiest, most financially secure borrowers are still getting denied for a mortgage.

Why?

Their wealth doesn't always show up as traditional monthly income.

The numbers say financial strength. Traditional underwriting may see risk.

That's why I have loan options many big banks simply don't offer — Asset-Based Loans, No-Income Loans, DSCR, Bank Statement Loans and more.

So if you have a retired, self-employed, investor, or high-net-worth client who was told "you don't qualify," don't assume there are no options for you. Reach out and let me share with you alternative financing options.

There may be another way to structure your needs

Reply "RETIREE" and I'll send you the full report.

Suz | Go See Suz Mortgage Guidance
Edge Home Finance
NMLS #257735 | Company NMLS #891464

All loans are subject to credit approval, program guidelines, property eligibility, and other underwriting requirements. Not all programs are available in all states or for all borrowers.

07/30/2026

🏡 A conversation worth having — before homeowners feel like they have run out of options.

New Realtor.com data shows short sales are beginning to rise again — increasing 10% in 2025 and another 16% in just the first quarter of 2026.

While foreclosures still outnumber short sales, we are seeing a shift in some markets as homeowners face a difficult combination of higher insurance costs, rising HOA fees, changing market conditions, and limited equity after purchasing near the market peak.

For some homeowners, a short sale may become a better path forward than waiting until the situation becomes overwhelming. The key is getting the right guidance early.

But a short sale is not always the first answer.

🏠 If you are a homeowner and the month-to-month expenses are becoming harder to manage — and you are finding it more difficult to make it to the end of the month with your current income — don’t wait until you feel like there are no options left.

Reaching out early may provide opportunities to review your situation, including whether a refinance or other mortgage solution could help reduce monthly obligations and allow you to stay in the home you love.

📍Lakeland, FL is one example where short sales are gaining attention, with 6.7% of active listings identified as short sales — showing why awareness and preparation matter.

For my Realtor friends: recognizing the signs early gives you the opportunity to be a trusted resource for your clients before a crisis happens.

For homeowners: if you are concerned about your options, you don’t have to navigate it alone. I can connect you with experienced Realtors who specialize in helping homeowners understand the short sale process, evaluate options, and make informed decisions.

Sometimes the best solution starts with a conversation. 💙 Simply reach out to directly. (702) 427-4075 ~Suz' (AZ, CA, FL, HI, NV, TN)

Are you seeing more homeowners asking questions about affordability, equity, or possible next steps in your market?



Suzohne West "Suz'", Sr. Loan Officer

Call now to connect with business.

07/17/2026

🏡 The market is shifting—and that's good news for buyers.

For the 8th straight month, home prices have become more buyer-friendly, while pending home sales have increased for the 7th consecutive month. That's a strong sign that well-informed buyers are recognizing opportunity.

Many people hear "prices are falling" and assume something is wrong.

The reality? Sellers are pricing their homes more realistically instead of chasing the market down—and buyers are responding.

📉 According to Realtor.com's June Housing Report:
✔️ Prices have declined for 8 straight months
✔️ Pending sales are up 3.7% year over year
✔️ Price reductions have dropped to just 18.8% of listings

Even better, the estimated monthly payment on a median-priced home is approximately $132 less per month than it was a year ago; without interest rates changing significantly.

If you've been waiting for the "perfect time," this market may already be creating opportunities worth exploring.

Whether you're purchasing your first home, moving up, downsizing, or investing, I'm here to provide personal care and guidance every step of the way.

📍 Proudly serving:
Arizona • California • Florida • Hawaii • Nevada • Tennessee

📲 Call or text me directly at (702) 427-4075 for personal care and guidance. ~ Suz'

Together, we'll review your options and determine what makes the most sense for your goals—without pressure.

06/25/2026

Not a crash. A correction — and there's a difference your buyers need to understand.

Sellers have stopped testing the ceiling. They're pricing to sell from day one. The share of listings with price cuts actually went down this spring, because sellers are getting it right upfront.

Meanwhile, homes under contract rose for the sixth straight month. Buyers are already moving.

The buyers waiting for rates to drop first are watching this window close.

What objection are you hearing most from buyers right now — rates, prices, or just uncertainty? Reach out directly if you want to strategize and plan your home buying options.

Truly, Suz'
(702) 427-4075 (AZ, CA, FL, HI, NV, TN)

06/19/2026

🏖️ Have you ever dreamed of owning a vacation home?
👉 If you could own a vacation home anywhere, would you choose the beach, mountains, lakefront, or city life? Tell me below! ⬇️

From charming coastal towns to mountain escapes and waterfront retreats, this Travel + Leisure article highlights some of the most desirable places in the South to own a second home or investment property.

Take a look and see which destination captures your imagination:
https://www.travelandleisure.com/best-places-to-buy-a-vacation-home-in-the-south-11977008

Imagine having a place to relax, create family memories, generate rental income, or simply enjoy a different pace of life whenever you choose.

Whether you're considering:
🏡 A vacation home
🏖️ A beach getaway
⛰️ A mountain retreat
💰 A short-term rental investment

There are financing options available to help make it happen.

For investment properties, a DSCR loan may allow you to qualify based on the property's income potential rather than your personal income. For second homes and vacation properties, we offer a variety of loan programs tailored to your goals.

I'd love to help you explore your options and determine which financing solution is the best fit for your plans.

Licensed to personally help in the following states:
🌵 Arizona
☀️ California
🌴 Florida
🌺 Hawaii
🎰 Nevada
🎸 Tennessee

Your home NEEDS & DREAMS are my OWN. ~Suz' 🏠
(702) 427-4075 || [email protected]

Travel + Leisure Cloud 9 Cookie Company Suzohne West "Suz'", Sr. Loan Officer Edge Home Finance West Notary & Signing Services

Whether your ideal vacation involves the beach or the mountains, the South delivers. Here are nine of the best places to buy a vacation home in the Southeastern U.S.

06/18/2026

She worked two jobs.

Drove a beat-up car.

Skipped the nights out.

Bought a home at 23.

She's not the exception.

She's the trend.

Single Gen Z women are buying homes at nearly double the rate of single Gen Z men.

Not because the market got easier.

Because they made a plan and didn't wait.

If you're a young woman dreaming of homeownership, you may be closer than you think. Down payment assistance, grants, and creative financing options could help get you there.

🏡 Ready to create your plan?

📞 (702) 427-4075
📩 DM me and let's talk.

~Suz' 🏠

Suzohne West "Suz'", Sr. Loan Officer