Stacey The Loan Lady - Sundance Lending Company

01/10/2026

Did your mortgage payment go up this month?
Take a deep breath — this is totally normal.

About once a year, your mortgage servicer reviews your escrow account (that’s your property taxes + homeowners insurance).

Here’s what they’re checking:
• Did taxes go up? (Usually, yes.)
• Did insurance go up? (Especially this year — also yes.)

If there’s a shortage, they have two options:
1️⃣ Let you bring in the difference as a lump sum and keep your payment the same
2️⃣ Adjust your monthly payment to cover it (this is what most people choose)

Important thing to know👇
Your principal & interest payment — the actual loan — never changes.
Only the taxes and insurance portion can move.

If your payment changed and you’re wondering why or what your options are — I’m always happy to walk you through it 🤍

You didn’t do anything wrong. This is just how escrow works.

10/31/2025

Don’t be scared when your property tax notice shows up! 👻
If you have a mortgage, your servicer likely pays your taxes for you. They collect money each month so it’s ready for November.

Check your statement — if you see phrases like “Mortgage company to pay” or “Do not pay — taxes paid through escrow,” you’re good to go.

Be empowered, not afraid this Halloween.
Knowledge = Confidence = Peace of Mind 🎃💀

10/08/2025

10/03/2025

🚨 Government Shutdown & Mortgages 🚨

Yes—a shutdown can impact purchases and refinances, but not always how people think. Here’s the breakdown:

✅ FHA & VA – usually okay, with just a couple of possible slowdowns at the very start or very end.
⏳ USDA – the most delayed, since USDA has to be hands-on with their loans.
📝 IRS Transcripts – some loans need them, and those are delayed.
🌊 Flood Insurance – if it’s through FEMA, expect delays. Private options like Neptune can help.

👉 Bottom line: for many of you, this won’t change much. But for some, the effects will be real. Stay in touch with your loan officer (👋 that’s me!) so you’re never left guessing.

✨ Good news: none of my clients’ loans are currently being delayed by the shutdown!

04/11/2025

📰 Friday Mortgage Market Update | April 7–11, 2025
🎢 Volatility is high, but home values aren’t flinching

📉 This week in the market:

Inflation reports (CPI & PPI) = came back cooler than expected

Mortgage rates took a hit despite good data

🏡 But here’s the silver lining…
In the middle of all this uncertainty, one thing is holding strong:
🏠 Home values.
While stocks drop and markets swing wildly, real estate continues to be one of the most stable long-term investments you can make. You live in it, grow equity in it, and protect your future with it.

📲 DM me to run real numbers or just chat about the market.

Stacey the Loan Lady
385-213-8052
[email protected]

10/30/2024

Thanks Voyage Utah for the shoutout highlighting me in this article about community leaders! Link in comments.