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Lending with Lynnsy Lynnsy Obert | Mortgage Broker serving California & Montana. NMLS #836453 | 21st Century Lending NMLS #241835 | Equal Housing Opportunity Relationship Driven.

Helping first-time buyers, Veterans, and homeowners navigate financing with honesty, education, and local expertise. Hi, I’m Lynnsy Obert, Mortgage Broker with 21st Century Lending and founder of Lending with Lynnsy, LLC. As a 4th-generation Central Coast local, I am passionate about helping individuals and families achieve their homeownership goals while strengthening the community I proudly call home. Whether you’re purchasing your first home, using your VA benefits, refinancing, investing, or simply exploring your options, my goal is to make the mortgage process straightforward, educational, and stress-free. With nearly 20 years of experience in finance and real estate-related industries, I believe in transparency, communication, and treating every client like family. When I’m not helping clients, you’ll find me supporting local businesses, volunteering in community organizations, cheering on my kids, or finding new ways to give back to the people who have helped make our community so special.

📍 Serving California & Montana
🏡 VA • FHA • Conventional • Jumbo • Refinance • Investment Properties
❤️ Community Focused.

🏡 **A Changing Market Calls for the Right Mortgage Game Plan.**The market is always evolving, but that doesn't mean your...
10/15/2026

🏡 **A Changing Market Calls for the Right Mortgage Game Plan.**

The market is always evolving, but that doesn't mean your homeownership goals have to be put on hold.

Whether rates are moving up, down, or somewhere in between, the key isn't trying to time the market. It's having a strategy that's built around your goals.

As a mortgage broker, I have access to a wide range of loan programs and lenders, helping you explore financing options that fit your unique situation.

Whether you're:
✔️ Buying your first home
✔️ Moving into your next home
✔️ Refinancing
✔️ Investing in real estate

I'm here to help you create a mortgage game plan that works today and positions you for tomorrow.

📞 Let's connect and build a strategy that's right for you.

Lynnsy Obert
Mortgage Broker
NMLS #836453 | DRE #01915754

🇺🇸 **You Served Our Country. Let Your VA Loan Benefit Serve You.** 🏡The VA Home Loan is one of the most valuable benefit...
10/14/2026

🇺🇸 **You Served Our Country. Let Your VA Loan Benefit Serve You.** 🏡

The VA Home Loan is one of the most valuable benefits available to eligible Veterans, active-duty service members, and qualifying military families.

Some of the advantages may include:
⭐ Up to **100% financing** for qualified borrowers
⭐ Loan amounts up to **$4 million** with eligible lenders and qualifications
⭐ **No private mortgage insurance (PMI)**
⭐ Flexible credit options for qualified borrowers
⭐ Potential property tax reductions or exemptions for disabled Veterans (varies by state)

Whether you're purchasing your first home, upgrading, or exploring your options, I'm here to help you make the most of the benefits you've earned through your service.

Thank you to all who have served our country. It would be my honor to help you achieve the dream of homeownership.

📞 Reach out today to learn more about your VA loan eligibility and options!

Lynnsy Obert
Mortgage Broker
NMLS #836453 | DRE #01915754

🇺🇸 **Happy Birthday to the United States Navy!** ⚓Today, we celebrate the brave men and women of the U.S. Navy and honor...
10/13/2026

🇺🇸 **Happy Birthday to the United States Navy!** ⚓

Today, we celebrate the brave men and women of the U.S. Navy and honor more than two centuries of courage, commitment, and service to our nation.

Thank you to every Sailor, past and present, who has answered the call to protect our freedoms at home and around the world. Your dedication, sacrifice, and unwavering commitment inspire us all.

Wishing the United States Navy a very Happy Birthday, and extending our deepest gratitude to all who have proudly served.

⚓ Fair winds and following seas.

Today, we recognize and honor the rich cultures, traditions, histories, and lasting contributions of Indigenous Peoples....
10/12/2026

Today, we recognize and honor the rich cultures, traditions, histories, and lasting contributions of Indigenous Peoples.

Indigenous Peoples' Day is an opportunity to reflect on the strength, resilience, and heritage of the first communities of this land, while celebrating the diversity and wisdom they continue to share with future generations.

May today inspire us to learn, listen, and show respect for the cultures and traditions that have shaped our communities.

Wishing everyone a meaningful Indigenous Peoples' Day.

👻💳 **SLAY THE DEBT MONSTER!** 🎃High-interest debt can feel like a monster that just keeps growing, but you may have opti...
10/12/2026

👻💳 **SLAY THE DEBT MONSTER!** 🎃

High-interest debt can feel like a monster that just keeps growing, but you may have options hiding right under your roof. 🏡💰

If you’ve built equity in your home, it may be worth exploring whether that equity could be part of a strategy to consolidate higher-interest debts and simplify your monthly finances.

No tricks, just a personalized look at your options. 👻

Don’t let debt haunt you. Let’s review the numbers and see what solutions may make sense for your situation!

📲 **Lynnsy Obert**
Mortgage Broker
NMLS #836453 | DRE #01915754
805-315-7566
[email protected]

🏘️ **Real Estate Investors, Let's Grow Your Portfolio.**Whether you're buying your first investment property or expandin...
10/09/2026

🏘️ **Real Estate Investors, Let's Grow Your Portfolio.**

Whether you're buying your first investment property or expanding an established portfolio, having the right financing partner can make all the difference.

I offer financing solutions for a variety of investment strategies, including:

✅ Fix & Flip Financing (up to 100% financing available for qualified borrowers)
✅ DSCR Loans, qualify based on your property's cash flow, not your personal income
✅ Ground-Up Construction Financing
✅ Interest-Only Bridge & Transactional Loans
✅ HELOCs on Existing Investment Properties
✅ Commercial Property Loans
✅ Multi-Family Property Financing

Many of these programs are available for qualified investors, even if you're just getting started.

No matter your investment goals, I'm here to help you find the financing solution that fits your strategy.

📞 Ready to take the next step? Let's talk about your next investment opportunity!

Lynnsy Obert
Mortgage Broker
NMLS #836453 | DRE #01915754

💼 **Self-Employed? 1099? Real Estate Investor? You Still Have Options.** 🏡Traditional lending isn't the right fit for ev...
10/08/2026

💼 **Self-Employed? 1099? Real Estate Investor? You Still Have Options.** 🏡

Traditional lending isn't the right fit for everyone, and that's okay.

If you've been told "no" because your tax returns or W-2s don't tell the whole story, a **Non-QM loan** could be the solution you've been looking for.

Programs are available for qualifying borrowers using:
✔️ Bank Statements
✔️ Profit & Loss Statements
✔️ 1099 Income
✔️ Asset Utilization
✔️ ITIN
✔️ DSCR for Investment Properties
✔️ Fix & Flip Financing
✔️ No Income Documentation Options

With down payment options starting as low as **10%** for qualified borrowers, homeownership and real estate investing may be more achievable than you think.

Don't let conventional lending guidelines keep you from reaching your goals. Let's explore the financing options designed for your unique situation.

📞 Contact me today to see if a Non-QM loan is the right fit for you!

Lynnsy Obert
Mortgage Broker
NMLS #836453 | DRE #01915754

#1099

🌟 REFERRAL PARTNER OF THE MONTH 🌟This month, Lending with Lynnsy is excited to spotlight Accurate Heating & Air Conditio...
10/07/2026

🌟 REFERRAL PARTNER OF THE MONTH 🌟

This month, Lending with Lynnsy is excited to spotlight Accurate Heating & Air Conditioning! 🏡❄️☀️

With 38+ years of hands-on HVAC experience, their team has built a reputation around honesty, accurate diagnostics, and no-pressure service. They take the time to test, diagnose, and clearly explain your options so you can make an informed decision about your home.

Whether you’re a homeowner, home buyer, or real estate professional, having trusted local professionals you can turn to makes all the difference.

📲 Accurate Heating & Air Conditioning
805-743-3403

Thank you to Accurate Heating & Air Conditioning for being this month’s featured referral partner! 🙌

Have mortgage questions? I’m here for those too!

📲 Lynnsy Obert
Mortgage Broker | NMLS #836453
805-315-7566
[email protected]

💰 **Got Equity? A HELOC Could Help You Consolidate Your Future!** 🏡If you've built equity in your home, it may be time t...
10/07/2026

💰 **Got Equity? A HELOC Could Help You Consolidate Your Future!** 🏡

If you've built equity in your home, it may be time to put it to work.

A Home Equity Line of Credit (HELOC) can be a smart way for qualifying homeowners to:
✔️ Consolidate higher-interest debt
✔️ Simplify monthly payments
✔️ Free up cash flow
✔️ Finance home improvements
✔️ Access funds when you need them

Instead of juggling multiple payments, a HELOC could provide the flexibility you need to get your finances working toward your future goals.

Every situation is different, and I'd be happy to review your options to see if a HELOC is the right fit for you.

📞 Let's talk about how your home's equity can work for you!

Lynnsy Obert
Mortgage Broker
NMLS #836453 | DRE #01915754

10/06/2026

😱 **SCARE AWAY HIGH-INTEREST DEBT!** 👻💳

High-interest credit card balances can be frightening, especially when it feels like you’re paying more toward interest than making progress on the balance.

If you’re a homeowner, your home equity may give you another option. 🏡💰 A **HELOC** could potentially help you consolidate higher-interest debt into one more manageable strategy.

Don’t let scary balances haunt your budget! 🎃

📲 Let’s review your situation and see what options may be available to you.

**Lynnsy Obert**
Mortgage Broker
NMLS #836453 | DRE #01915754
📞 805-315-7566
📧 [email protected]

Address

Lompoc, CA

Telephone

+18053157566

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