Voyta Team at First Savings Mortgage

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North Bethesda, MD
Voyta Team at First Savings Mortgage

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Our personal commitment is to listen to your needs and explain the programs that suit you best.

With close to $2 Billion in loans our team has closed at First Savings Mortgage, let our experience and knowledge work for you.

10/30/2026

The only thing spooky this season should be your decor, not your mortgage experience 👻

10/26/2026

When you're negotiating a home purchase, it's natural to focus on getting the price down. But what if there's another way to make those negotiating dollars work for you?

A lower purchase price can be valuable. So can a seller credit that helps with eligible closing costs, prepaid expenses, or potentially reduces the interest rate through a permanent buydown. The important question isn't which option sounds better. It's which approach makes the most sense for the buyer's financing and goals.

This is where I can help.

I work with buyers and their real estate agents to evaluate financing options before an offer is structured, so we're looking at the full opportunity—not just the purchase price.

Let's talk about what's possible before the negotiation begins.

10/26/2026

Changing market conditions create opportunities. And sometimes, the biggest surprise is discovering what's possible with the right financing strategy.

For some buyers, that might mean finding a path to homeownership sooner than expected. For homeowners, it could mean putting their equity to work or buying their next home before even listing their current one. For investors, it might be finding financing that better aligns with their goals.

And for real estate agents, understanding those possibilities can open new conversations, expand the pool of potential buyers, and help bring more opportunities together.

That's why I believe the financing conversation should happen early—not after someone has already decided what's possible.

Before you rule something out, let's explore it together.

10/22/2026

Jumbo doesn't automatically mean a jumbo down payment.

That's one of the assumptions I like to challenge when I'm talking with someone considering a higher-priced home.

Depending on your situation, we have Low Down Payment Jumbo options with as little as 5% down. We also have financing options where mortgage insurance may not be required.

Those details can make a meaningful difference in how we think about your purchase—and how much cash you may choose to put into it.

So don't rule out a home, or assume how much you'll need upfront, based on what you've heard about Jumbo financing.

Tell me what you're trying to accomplish, and let's look at the options together.

10/19/2026

You've built your financial picture over time. Your mortgage options may have more ways to consider it.

That could mean substantial assets, investments you've accumulated, or real estate you already own. And if you're considering another investment property, the property's own cash flow may also be part of the financing conversation.
Depending on your situation, Next-Gen Portfolio financing may offer options that consider assets as part of qualification or investor loans that look at the property's cash flow.

You don't need to know which financing approach fits before we talk. Let's start with what you've built, what you're considering and where you want to go next.

Your finances. Your story. Your mortgage.

10/15/2026

You can love where you live and still have a list of things you'd change.

Maybe it's a kitchen you've been talking about for years. More room for your family. A home office that actually works. Or a larger renovation that could make your current home work better for what you need now.

If you've built equity, you may have options for accessing a portion of it without giving up your current mortgage or the interest rate you already have. What makes sense depends on the project, your goals and your individual circumstances.

You don't need to figure out the financing before we talk. Tell me what you're thinking about changing, and we can look at the options together.

Love your home. Change what you don't.

10/12/2026

When we talk about mortgage options, I don’t start by assuming a 30-year fixed is automatically the right answer. I start with your plan.

How long might you own the home? How long do you expect to keep the financing? What matters most to you financially during that time?

An Adjustable Rate Mortgage (ARM) provides an initial fixed-rate period before the interest rate can adjust. For some qualified buyers, that structure may be worth comparing with available fixed-rate options.

The important part isn’t choosing an ARM because of what we think rates might do later. It’s understanding how the loan works today and whether it makes sense for your plans.

If you’re considering a home purchase, I’m happy to compare the options with you and help you understand the differences.

10/07/2026

What does a condo association’s 2027 budget have to do with financing? More than you might think.

Beginning January 4, 2027, Fannie Mae and Freddie Mac will increase the minimum replacement reserve allocation for applicable condo projects from 10% to 15% of annual budgeted assessment income.

Why does that matter now? Many condo associations are setting their 2027 budgets this fall. What gets adopted now could affect financing eligibility for buyers applying next year.

It’s also a good reminder that with condo financing, the property matters too. Factors involving the condo project itself can affect financing—not just the individual buyer.

Whether you’re considering buying or selling a condo, or you’re a real estate professional working with someone who is, bring us into the conversation early.

We’re happy to take a look at the project and help you understand what may be possible.

10/05/2026

When was the last time you looked at your home equity as part of your bigger financial picture?

Not because you necessarily need to use it—but because understanding what’s available could give you more choices when something important comes along.

And accessing your equity doesn’t always mean refinancing your current mortgage.

Curious what your equity could do? Let’s look at it together.

10/01/2026

If you're self-employed, own a business or earn 1099 income, your income may not look as simple on paper as a traditional paycheck. That doesn't mean there's only one way to look at it.

Depending on your situation, there may be different ways to evaluate your income—including bank statement and other alternative income documentation options.

So if you've wondered how the way you earn might affect your mortgage options, you don't need to figure out the answer before we talk.

Your income. Your story. Your mortgage.

Address

915 Meeting Street Suite 1040
North Bethesda, MD
20852

Website

http://www.reneevoyta.com/

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