Danny Sarmento, Mortgage Loan Originator NMLS#1708543

10/01/2026

🗣 Come and see us tomorrow night from 5-7 in Sylvan Heights

📍305 35th Ave N, Nashville, TN 37209

09/30/2026

🗣 If you recently applied for a home loan and didn't get approved ⬇️

FHFA Director Bill Pulte announced earlier this week that Fannie Mae and Freddie Mac will now accept both Vantage 4.0 and Classic FICO credit ratings on the same, level playing field.

🤔 What does this mean for you?

🟢Vantage scores for mortgage loans were released earlier this month, but now, there isn't an extra cost to the consumer if they decide or are required to use Vantage score over FICO. Previously, there was an additional layer of cost by default.

🤔 What's the difference between Vantage and FICO and how does it impact my application?

🟢 Both models consider or evaluate similar credit criteria, but they weigh each level of criteria differently. Often times, this leads to Vantage 4.0 being more lenient in common problem causing areas, thus leading to a higher credit rating than FICO.

Comment "Vantage" if you want more info.



Danny Sarmento, Senior MLO
NEXA Lending, LLC
📱 615-971-1513
📧 [email protected]
🌐
NMLS #1708543

09/25/2026

HAPPY FRIDAY, Real Estate Pros 🥳🙌🏽

The headlines are trying to scare our clients. Let’s flip the script. 🤝

I’m seeing the same Nashville market stats you are. But as a lender, I don't see a slowdown. I see a massive opportunity for us to partner up, get creative, and put deals together.

Here is how I’m reframing the "scary" data in my buyer consultations right now:

📉 The Headline: Interest rates are staying higher for longer.

💡 The Spin: Higher rates are actually building a more sustainable, healthy market. They’ve eliminated the frenzy and forced realistic pricing, opening the door for price reductions and seller concessions. That means your buyers bring significantly less cash out-of-pocket to the closing table to cover closing costs or fund rate buydowns.

📉 The Headline: Homes are sitting longer (DOM is pushing 60+ days).

💡 The Spin: We actually have time to run detailed financing scenarios, structure creative seller-paid buydowns, and help your buyers make confident decisions. For agents, this means less burnout. For me, it means I get to help you negotiate better terms that make the math work.

📉 The Headline: Inventory is surging (hovering near 6 months of supply).

💡 The Spin: Buyers finally have choices. They aren’t being forced to overpay for a home they don't love just to get into the market. We can keep your buyers pre-approved and confident, knowing they have the breathing room to let you find them the perfect fit.

📉 The Headline: Price appreciation has stalled.

💡 The Spin: Predictability is back. Affordability isn't fading between a Friday showing and a Sunday offer. This stability is exactly what we need to bring genuine, long-term buyers back to the table who were scared off during the panic years. With prices stabilizing and, in some cases, reducing, we are able to offset increasing rates with strategy.

🗣 The easy market didn't require much strategy, but this one does.

You don't have to navigate hesitant buyers or longer listing cycles alone. You need a lending partner who is actually in the trenches with you, running the numbers on a Saturday, brainstorming solutions, and helping you get to the closing table. If you are putting in the work, I am right there with you.

Agents, what’s the biggest hesitation you’re hearing from clients this week? Let me know in the comments, and let’s figure out how to overcome it together. 👇

Danny Sarmento, Senior MLO
NEXA Lending, LLC
📱 615-971-1513
📧 [email protected]
📲
NMLS #1708543

08/19/2026

🗣 Before you commit to a lender for your home purchase, be sure you're exploring more than one option.

There are ways to strategize with different loan programs in order to provide financial savings both long and short term

DM me or comment "SAVE" for details on how to reduce your interest rate both temporarily and for the long haul 💸

07/29/2026

Move Your Standing Inventory Without Crushing Your Margins. 🛑📉

🗣Attention local production builders: Certainty is everything right now. If you have a steady pipeline of homes but are worried about market volatility hurting your buyers' affordability, you need a better solution than just dropping your listing prices.

With our Traditional Builder Forward Commitment, you can acquire a pool of funds at a rate lower than the current market rate. This allows you to confidently offer potential home buyers a discounted interest rate, making your homes more appealing and affordable.

The Production Advantage:

💰Preserves Value: Since the rate buy-down cost isn't in the contract, it avoids impacting appraisal values or triggering seller concession limits.

📉Competitive Edge: Allows builders to offer rates below market, outcompeting others without significant price drops.

💪🏽Flexible Terms: The standard commitment term is 60 days, though longer or shorter terms may be considered to fit your pipeline.

Stop letting rate hikes dictate your sales velocity. Review the flyer below, then DM or call me directly to lock in your forward commitment today.

Danny Sarmento | Senior MLO at NEXA Lending, LLC
📱 615-971-1513
📧 [email protected]
🌐
NMLS #1708543

9+ years in the industry. Involved in over 2,000+ mortgage transactions