Susan DeMello with RW Towne Mortgage

06/11/2026

Getting your home summer-ready doesn’t have to feel overwhelming—just a few small steps now can make a big impact all season long. ☀️

From servicing your HVAC system to freshening up indoor spaces and getting your outdoor areas in shape, a little proactive maintenance goes a long way in keeping you comfortable and avoiding unexpected issues later.

Start simple, stay ahead, and make the most of summer at home. Thinking about your next move? I’m here to help—let’s connect.

06/10/2026

06/10/2026

I’m thrilled to share that another client has officially closed on their new home! with RW Towne Mortgage!

Making the move from Alexandria to Williamsburg, they are starting an exciting new chapter—and I’m honored to have been part of their journey every step of the way. Relocating can be a big transition, but with the right support and a clear vision, it becomes an incredible opportunity for a fresh start.

Wishing them happiness and joy as they settle in, create lasting memories, and enjoy everything Williamsburg has to offer!

If you or someone you know is considering a move, I’d love to help make the process just as smooth and successful.

06/04/2026

Student Loans Don’t Have to Stop Your Homeownership Goals. Carrying student loan debt doesn’t automatically mean buying a home is out of reach.

Mortgage qualification looks at the full picture—factors like your debt-to-income ratio, credit score, income stability, and down payment—not just your student loan balance.

With today’s more flexible lending guidelines, many buyers are surprised to learn they can still qualify for conventional, FHA, or VA loan options, even with student loans.

If homeownership is on your radar and you’re unsure where you stand, let’s have a conversation. Understanding your options could be the first step toward making it happen.

06/03/2026

Not every borrower fits neatly into a traditional income box—and that’s where the right loan solution makes all the difference.

For your self-employed clients, Bank Statement Loans offer a smarter way to qualify using actual cash flow, not just what shows up on tax returns.

✅ 12–24 months of bank statements
✅ Flexible income calculations
✅ More approvals, fewer roadblocks

If you have a self-employed client scenario to review, I’m always here to help you find the right path forward.

06/02/2026

A cozy home includes your furry crew 🐾☀️

With the heat rising, don’t forget to keep them cool, hydrated, and safe this summer 💛

06/01/2026

First home? Huge milestone. Good news—we make it easy!

No confusion. No stress. Just a smooth ride from “just browsing” to “just closed.”
We’ve got you whenever you’re ready, me and my team are here!

DM me to start preparing for your new home search today!!

05/31/2026

Wondering if you're really ready to buy a home? Here's a quick check:

* You're ready to stay in one place for awhile
* You're pre‑approved for a mortgage
* You have savings beyond the down payment
* Your timing aligns with your lease and the market
* You understand the real costs and responsibilities

If this sounds like you, let's talk about what homeownership could look like for you. Message me anytime!

05/28/2026

Does a 0.25% rate difference really matter?

While a quarter‑point won't make or break every purchase, it can add up over time depending on your loan amount, budget, and how long you plan to stay in the home. The key is understanding when to focus on the rate and when other factors carry more weight.

In general, a small rate change matters most when your budget or debt‑to‑income ratio is tight, or when you're stretching into a higher price range. In other situations, things like the home itself, your long‑term plans, or overall affordability may matter more than chasing a 0.25% difference.

If you're comparing options, let's run the math together.

05/28/2026

Buying your first home doesn't have to be overwhelming. A few smart moves can make the process smoother:

DO:

* Get pre‑qualified early
* Know your full monthly payment
* Keep your finances steady

DON'T:

* Open new credit or overspend
* Change jobs or income without guidance
* Rely only on online estimates

With the right prep and support, buying your first home can feel confident and clear. Let's do it together.