Tony Sumpter NMLS #2620160

05/06/2026

05/06/2026

Work with a local mortgage professional! Mortgages are what we do, don’t miss out on the house of your dreams or a deal to refinance and save money!

10/20/2025

If your mortgage guy isn't responding on weekends, you need a new mortgage guy!

-Don't mind my typos 🤦-

09/10/2025

Send a message to learn more

09/10/2025

Think rates are still high? Think again!

Mortgage rates have dropped to their lowest levels of the year, and now could be the perfect time to take advantage.

Just this week, I helped a friend refinance from 7.5% down to the low 6's. Not only did they save almost $200/month, but they were also able to pull out $20,000 to pay off other debt.

Refinancing isn’t just about getting a lower rate; it’s also a smart way to tap into the equity in your home. In my friend’s case, they benefited from both!

Curious if refinancing makes sense for you? Let’s chat.

Disclaimer: Interest rates are subject to change and may vary based on creditworthiness, loan amount, property type, and other factors. The rate and terms mentioned are for illustrative purposes only and may not be available to all borrowers. This is not a commitment to lend. All loans are subject to underwriting approval. Please contact me for a personalized quote.

Send a message to learn more

06/04/2025

**Are We in a Buyer's Market? Here's What I'm Seeing as a Loan Officer**

As a mortgage loan officer, I talk to buyers, agents, and lenders every day, and one of the big questions I keep hearing is: “Are we in a buyer’s market yet? Or when will we be in a buyer's market?"

A buyer’s market typically means more inventory, slower sales, and more negotiating power for buyers. While we’re not fully there across the board, I can tell you this: the market is changing compared to the last couple of years.

Here’s what I’m seeing:
✅ Sellers are starting to offer more concessions
✅ Buyers have a bit more room to negotiate (finally!)
✅ Some homes are staying on the market longer
✅ And yes, rates are still high(relatively), but they’ve been more stable recently

This actually creates some unique opportunities for buyers who are prepared. If you're pre-approved and ready to go, you may be in a better position than you think.

I’m also helping clients navigate today’s market with smart financing strategies: like rate locks and seller-paid closing costs, to make deals work in your favor.

If you’re wondering whether now is the right time to buy (or refinance), let’s talk! I’ll run the numbers and help you make a smart, informed decision.

DM me or visit [keystonefunding.com](https://www.keystonefunding.com) — I’m always here to help!

Tony Sumpter | Mortgage Loan Officer
NMLS #2620160
Keystone Funding, Inc.

05/30/2025

What does owning a home mean to you? To me, homeownership is a wealth-building, community-building, and life-building investment. (And choosing your own paint colors is an added bonus.) Happy Homeownership Month! Keystone Funding is an Equal Housing Lender.

05/07/2025

Are extra mortgage payments a smart money move?

A mortgage comes with one huge benefit: homeownership. But it also comes with a tough reality: paying interest. That can lead to sticker sho

05/01/2025

Finding the right mortgage isn't one-size-fits-all. With various loan programs available, you can tailor your financing to suit your unique situation. Talk to our amazing loan originators to discover which option will work best for you!

04/23/2025

How much will you pay in rent while you wait for lower rates? With rising home values and your rent payment, you could pay more over time than with higher rates now. Follow the link to see some examples and calculate the differences for your scenario. I’m ready to help when the time is right for you. Keystone Funding is an Equal Housing Lender.

How much will you pay in rent while you wait?