Tracy McCutchan - Sun American Mortgage Company NMLS 160265

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Tracy McCutchan - Sun American Mortgage Company NMLS 160265

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Tracy McCutchan NMLS 1114497
Sun American Mortgage Company NMLS 160265
AZ-BK 7548
Equal Housing Lender

10/26/2026

Own a rental property? Your property can work harder for you. 🏡

Buying a home feels tough right now, but investors and rental owners have options. With a DSCR loan, you qualify based on your property’s rental income, not your W-2s or tax returns.

That means you can:
✅ Use the equity in a rental you already own
✅ Buy or refinance your next investment property
✅ Keep building wealth in a market that has a lot of people on the sidelines

Curious if it fits your situation? Send us a message, email, or give us a call and let's see if this product is a great fit for you!

www.SunAmerican.com/FamilyTeamMortgage

Disclosures: Borrowers must qualify for the loan program. This is not a commitment to lend. https://sunamerican.com/disclosure-licensing/

10/23/2026

Thinking about selling your home but worried about this slow market?

Here’s something most sellers don’t realize: the equity you’ve earned can work for you!

Instead of dropping your price, you can offer seller concessions to help buyers buy down their interest rate or cover lender fees. A lower monthly payment for them makes your home stand out from the rest, and you still walk away with funds to go after your dream home.

Message us and let’s get you closer to your dream home!!

www.SunAmerican.com/FamilyTeamMortgage

Disclosures: Borrowers must qualify for the loan program. This is not a commitment to lend. https://sunamerican.com/disclosure-licensing/

10/21/2026

WOULD YOU RATHER?

If you had an extra $12,000 to work with when buying a home, how would you want to use it?

A️: Lower the purchase price?

*Reduce the loan amount and potentially lower your monthly payment.

B️: Get seller-paid closing costs?

*Keep more of your cash in your pocket at closing.

C️: Get a temporary rate buydown?

*Potentially lower your payments during the first few years.

D️: Get a permanent rate reduction?

*Use eligible funds toward discount points to reduce the interest rate for the life of the loan.

Here's the catch: There isn't one answer that works for every buyer.

The best strategy depends on your cash available, monthly budget, loan program, and long-term plans.

What would YOU choose? Comment A, B, C or D!

And if you're buying a home, let's compare the numbers before you decide how to structure your offer.

www.SunAmerican.com/FamilyTeamMortgage

Disclosures: Borrowers must qualify for the loan program. This is not a commitment to lend. https://sunamerican.com/disclosure-licensing/

10/19/2026

What If Your Mortgage Rate Could Be 2% Lower Your First Year?
Buying a home in today’s market doesn’t always mean simply accepting the current payment. A 2/1 temporary buydown may be one strategy worth exploring.

With a 2/1 buydown, the payment is based on a temporarily reduced interest rate:

📉 Year 1: 2% below the note rate
📉 Year 2: 1% below the note rate
➡️ Year 3+: The full note rate applies

This can give you lower payments during your first two years of homeownership while you settle into your new home.

The important part? A 2/1 buydown is temporary—so it's important to understand what your payment will be once the full note rate applies.

Wondering if a 2/1 buydown could work for your purchase? Let's run the numbers and compare your options.

Message us today to learn more!

www.SunAmerican.com/FamilyTeamMortgage

Disclosures: Borrowers must qualify for the loan program. This is not a commitment to lend. https://sunamerican.com/disclosure-licensing/

10/15/2026

Depending on the loan program and transaction, negotiated seller concessions may potentially be used toward eligible closing costs or a temporary/permanent rate buydown.

Your offer isn't just about the purchase price.

Before you assume the seller won’t negotiate… ask what they can contribute.

www.SunAmerican.com/FamilyTeamMortgage

Disclosures: Borrowers must qualify for the loan program. This is not a commitment to lend. https://sunamerican.com/disclosure-licensing/

10/13/2026

Seller concessions aren't just about closing costs.

Depending on your loan program and transaction, eligible concessions may be able to help cover certain upfront costs including, in some scenarios, a single-premium mortgage insurance cost.

Why does that matter?

Moving an eligible mortgage insurance expense from a recurring monthly payment to an upfront cost may reduce your monthly housing expense.

But there’s a tradeoff: you may need to evaluate the upfront cost, available concessions, loan guidelines, and how long you expect to keep the mortgage.

That's why it's important to compare the numbers instead of assuming there's only one way to structure your loan.

Before you make an offer, let's look at the possibilities.

www.SunAmerican.com/FamilyTeamMortgage

Disclosures: Borrowers must qualify for the loan program. This is not a commitment to lend. https://sunamerican.com/disclosure-licensing/. Seller concessions are subject to loan program limits and eligibility requirements. Maximum amounts and allowable uses vary by loan type, transaction, occupancy, property type, and other underwriting guidelines.

10/05/2026

🎯 Don't Chase the Lowest Rate. Chase the Best Strategy.

When it comes to your mortgage, the lowest interest rate doesn't automatically mean the best loan for you.

Your mortgage is about more than one number. It’s about how all the pieces work together:

💰 Points – Is paying upfront worth the potential savings?
📉 Buydowns – Could a temporary or permanent buydown help?
💵 Closing Costs – How much cash do you want to bring to closing?
🏡 Loan Programs – Which options fit your situation?
⬇️ Down Payment – What makes sense for your finances?
📊 Monthly Payment – What comfortably fits your budget?
🔮 Long-Term Plans – How long do you expect to keep the loan?

Sometimes a slightly higher rate with lower upfront costs may make more sense. Other times, paying more upfront for a lower rate could be worth considering.

The goal isn't simply to find the lowest rate. It's to understand your options and choose a strategy that fits your goals.

Let's compare the options and run the numbers together.

www.SunAmerican.com/FamilyTeamMortgage

Disclosures: Borrowers must qualify for the loan program. This is not a commitment to lend. https://sunamerican.com/disclosure-licensing/

10/02/2026

Waiting for rates to drop? What if you could make today’s payment more manageable instead?

Explain strategies such as:

• 2/1 temporary buydown
• Seller-paid closing costs
• Discount points
• Down payment assistance
• Combining strategies when permitted

“Let’s look at your options and not just today’s rate.”

www.SunAmerican.com/FamilyTeamMortgage

Disclosures: Borrowers must qualify for the loan program. This is not a commitment to lend. https://sunamerican.com/disclosure-licensing/

Address

4140 E. Baseline Road Suite 206
Mesa, AZ
85206

Website

https://sunamerican.com/familyteammortgage

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