Matt Ayers, NMLS 572178 -Summit Funding

Matt Ayers, NMLS 572178 -Summit Funding Licensed loan officer in the greater Fredericksburg area. Summit Funding, Inc. NMLS ID #3199 NMLS ID # 3199 | www.nmlsconsumeraccess.org | Equal Housing Opportunity

Matt Ayers Loan Officer NMLS ID # 572178, Branch NMLS ID # 3199, Summit Funding, Inc.

There are a lot of myths out there about what it takes to qualify for a mortgage. 🏡Qualification depends on your full fi...
03/06/2026

There are a lot of myths out there about what it takes to qualify for a mortgage. 🏡

Qualification depends on your full financial picture, not just one number. Credit, income, assets, and loan type all play a role.

The best way to know your options? Get the facts tailored to you.

Have questions? Let’s talk. 💬

When buying a home, most people focus on the down payment — but don’t forget about closing costs. 🏡Closing costs are sep...
03/04/2026

When buying a home, most people focus on the down payment — but don’t forget about closing costs. 🏡

Closing costs are separate from your down payment and cover the professional and administrative expenses needed to complete the purchase. This can include things like legal fees, lender-related costs, inspections, appraisals, title services, taxes, and adjustments.

These costs are typically paid at closing and can vary depending on your location and the type of property.

Planning ahead helps avoid surprises and ensures a smooth path to possession. 💬

While it's easy to get caught up in your dream home checklist, it’s also important to think about how you can mold a hou...
03/02/2026

While it's easy to get caught up in your dream home checklist, it’s also important to think about how you can mold a house within your budget into your dream home. What is most important when touring homes is to take note of the things that can not easily be changed such as the structure of the house and the location.

Selecting a kitchen style can make a big impact on both functionality and ambiance.Modern kitchens feature the latest ap...
02/27/2026

Selecting a kitchen style can make a big impact on both functionality and ambiance.

Modern kitchens feature the latest appliances and smart technology for ultimate convenience. On the other hand, a farmhouse kitchen with vintage appliances exudes warmth and classic charm, ideal for creating a welcoming atmosphere.

Which kitchen style aligns with the vision for your home? Share your preferences down below!

Real estate markets are always evolving, and staying informed is key, whether you’re buying or selling. Here are three i...
02/25/2026

Real estate markets are always evolving, and staying informed is key, whether you’re buying or selling. Here are three indicators worth keeping an eye on in any market:

1️⃣ Inventory Levels – Changes in available listings can influence competition and buyer choice. More options often mean a calmer pace, while tighter supply can increase demand.

2️⃣ Days on Market – How long homes take to sell can signal buyer confidence and pricing strategy. Properties that linger may indicate a need for adjustment, while well-priced homes tend to move more efficiently.

3️⃣ Pricing Trends – Rather than focusing on headlines, watch how prices are behaving over time. Stable or shifting price patterns often reflect broader market balance.

📊 Understanding these fundamentals helps buyers plan confidently and sellers position their homes strategically.

Reach out today for a local snapshot and personalized insight!

✨ With countless lighting options available, choosing the perfect fixture for a room can feel overwhelming. Do you lean ...
02/23/2026

✨ With countless lighting options available, choosing the perfect fixture for a room can feel overwhelming.

Do you lean toward the clean, modern vibe of hanging pendants—or the timeless elegance of a sparkling chandelier? Let us know in the comments!

A great mortgage lender does far more than approve a loan. They help set the foundation for a smooth, confident home pur...
02/20/2026

A great mortgage lender does far more than approve a loan. They help set the foundation for a smooth, confident home purchase. 🏡

Here’s what a trusted lender does for you:

✅ Explains loan options clearly so you can choose what fits your goals
✅ Provides a strong, reliable pre-approval that supports your offer
✅ Communicates quickly and consistently throughout the process
✅ Sets realistic expectations so there are no surprises at closing
✅ Anticipates challenges and offers solutions early
✅ Keeps your timeline on track from application to closing

The right lender makes the process feel organized, informed, and stress-free—exactly how it should be. Are you ready to start your home buying journey? Reach out today for expert guidance and personalized mortgage advice!

Before you start scrolling listings or touring homes, there’s one step that sets you up for success: pre-approval. 🏡Gett...
02/18/2026

Before you start scrolling listings or touring homes, there’s one step that sets you up for success: pre-approval. 🏡

Getting pre-approved shows you exactly how much you can afford, strengthens your offers, and helps you move quickly when you find the right home. Here’s why it matters:

✅ Know your budget – Understand what you can comfortably afford before falling in love with the wrong home
✅ Show sellers you’re serious – A pre-approval signals you’re ready to make a strong, credible offer
✅ Avoid heartbreak over homes out of reach – Save time and energy by focusing on homes within your price range

Thinking about starting your home search? Reach out today to get pre-approved and start your journey the smart way!

Happy Presidents’ Day!Today is a reminder of leadership, legacy, and the importance of building a strong future.Whether ...
02/16/2026

Happy Presidents’ Day!

Today is a reminder of leadership, legacy, and the importance of building a strong future.

Whether you’re enjoying the day off or planning your next move, it’s a great time to reflect on where you’re headed and what you’re building next!

Mortgage Myths—Busted! 🏡✨ Myth: You need 20% down.Truth: There are options with much lower down payments available.✨ Myt...
02/13/2026

Mortgage Myths—Busted! 🏡

✨ Myth: You need 20% down.
Truth: There are options with much lower down payments available.

✨ Myth: Rates are only based on credit.
Truth: Property type, loan terms, and the market all play a role.

✨ Myth: Pre-approval = guaranteed loan.
Truth: It’s a strong step, but final approval depends on your full financial picture.

Understanding the facts helps you move forward with confidence!

A key factor lenders consider is your debt-to-income (DTI) ratio. To keep your DTI as low as possible, try these strateg...
02/11/2026

A key factor lenders consider is your debt-to-income (DTI) ratio. To keep your DTI as low as possible, try these strategies:

💵 Increase your payments towards existing debts.
📉 Negotiate with creditors for lower interest rates.
🌟 Avoid taking on new debt.
🚀 Explore opportunities to boost your income.

If you need assistance in reducing your DTI, reach out today, and let's work together on a strategic plan of action!

Happy National Pizza Day! 🍕 Whether you’re team thin crust, deep dish, or extra cheesy, pizza reminds us that everyone’s...
02/09/2026

Happy National Pizza Day! 🍕 Whether you’re team thin crust, deep dish, or extra cheesy, pizza reminds us that everyone’s taste is different!

What’s your go-to pizza order? Let us know in the comments!

Address

2135 Butano Dr Suite 150
Sacramento, CA
95825

Telephone

+15407601978

Website

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