Spencer Sundlie DRE 02092580 NMLS 1997908

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Sacramento, CA
Spencer Sundlie DRE 02092580 NMLS 1997908

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Spencer Sundlie found a passion for all things real estate and graduated from San Diego State University with a Bachelor of Science in Business Real Estate.

As a local lender, he is available every step of the way.

10/12/2026

Your credit score may not be as set in stone as you think. 👀

Fannie Mae and Freddie Mac now let lenders use VantageScore 4.0 or Classic FICO. VA loans accept it too, and FHA follows in 2027. In the real example in this post, the same borrower’s middle score went from 668 to 694, a 26-point difference, depending on the model.

Here’s the catch: not every lender uses VantageScore, and each lender decides which score they’ll use and how they price it. The same borrower can get different pricing depending on who they apply with.

That’s why it pays to work with a broker. I work with multiple lenders, so I can find the ones who use the score model that works best for you, and shop your options to help you get the best pricing available.

Spencer Sundlie
NMLS 1997908
DRE 02092580

08/18/2026

🇺🇸 VA Loan Tips You May Not Know About!

Think you know everything about VA loans? There may be a few benefits you’re overlooking 👀

If you’re a veteran or active duty service member, it’s worth understanding all the ways your VA benefit can work for you.

📲 Have questions about your VA loan options? Send me a DM or reach out, I’m happy to help!

08/17/2026

Nothing means more than hearing directly from the people I’ve had the privilege of helping. From first-time buyers to refinances and everything in between, my goal is always the same: make the mortgage process as smooth, transparent, and stress-free as possible. Thank you to everyone who has taken the time to share their experience. ⭐️⭐️⭐️⭐️⭐️

Thinking of buying, refinancing, or just want to know what your options look like? Let’s talk. 🏡

07/02/2025

Home buying doesn’t have to be hard. Let me make it simple for you!🏡

02/21/2025

Congratulations to William and Norma on the purchase of their first home. 🍾🎉 I was able to win their business after the builder lender dropped the ball.

Great job to .realtor for getting another first time homebuyer in their dream home. 🏠

02/05/2025

More happy clients! 🏡 Great job by on selling their current home extremely quick so they buy their new one at the same time.

10/08/2024

My clients become clients for life. 🍾I’m always here to answer questions that come up after closing or just to catch up. Huge congrats to this very deserving couple!🏠

09/20/2024

So happy for this veteran and his wife to have bought their first home. 🏡

07/29/2024

I’m always available even after you close on your new home🏡 to answer any questions or concerns that come up.

Ram came to me after a couple other brokers couldn’t get them to the qualification they wanted. After talking with him, I knew exactly how to boost their qualification using out of the box thinking and within a month we closed on their new home at the higher qualification.

If you know someone who can’t get qualified I’d be happy to help them!

07/11/2024

Buying a home may seem stressful but with the right team it can feel like a breeze. Happy for this veteran and his family upgrading to their dream home. 🏠

Address

Sacramento, CA

Telephone

+19169189949

Website

https://www.spencersundlie.com/

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