Natasha Branum, Wholesale Lender- NMLS 1604644 CA BRE 02026608

Natasha Branum, Wholesale Lender- NMLS 1604644 CA BRE 02026608 Empowering Homeownership. Building financial futures. Serving Families.

California Licensed Loan Officer serving | Sacramento • Bay Area • Yuba • Sutter Roseville| Real Estate Financing & More with natashab@ Wholesale Brokered Lending

Your credit score for a mortgage has changed. Most lenders haven't told you yet.In July 2025, the FHFA approved VantageS...
06/03/2026

Your credit score for a mortgage has changed. Most lenders haven't told you yet.

In July 2025, the FHFA approved VantageScore 4.0 for all conventional loans sold through Fannie Mae and Freddie Mac. It's now a legitimate alternative to the FICO score your lender has defaulted to for decades.

VantageScore 4.0 is the model you probably already know from Credit Karma. It factors in rent and utility payment history, ignores medical debt, and can generate a score with as little as one account and one month of activity. So if you've been a reliable renter for years, had a medical collection you couldn't control, or just don't have deep traditional credit, your Vantage score can come in meaningfully higher than your FICO.

That gap matters. A better score gets you a better interest rate and lower mortgage insurance. Those are 2 of the biggest drivers of your monthly payment.

This is especially relevant for first-time buyers, recent graduates, buyers rebuilding after a medical event, and anyone who's been told their credit isn't quite there yet. An estimated 5 million Americans who didn't qualify under FICO now have a path under VantageScore 4.0.

As a wholesale lender, I work with over 150 banks and have partnerships with lenders who'll use VantageScore 4.0 over FICO. Few lenders offer that option.

If you want to see what your scores look like under both models, I'm happy to get on a call.

Homeownership becomes possible when you stop guessing and start with a plan‼️🏡
💭 Thinking about purchasing a home?
📩 Contact me TODAY to get started ✅ I’d love to help ‼️
Natasha Branum
Mortgage Loan Officer | NMLS #1604644| DRE # 02026608
(Equal Housing Lender)
📧 [email protected]

"Success has been defined as the ability to go from failure to failure without losing enthusiasm." This quote means that...
05/28/2026

"Success has been defined as the ability to go from failure to failure without losing enthusiasm."

This quote means that true success is about staying positive even when things go wrong. Falling down is just a part of life, but keeping your energy up is what matters. Real achievers do not let mistakes stop them from trying again and again. It is your passion and inner drive that carry you through the hardest times. Ultimately, winning is not about never failing but about never giving up on your dreams.

05/05/2026

🏡💰 Thinking About Buying a Home? Let’s Talk “UPFRONT MONEY”

Before you even get the keys… there are a few 💵 moments you NEED to be prepared for when submitting an offer 👇🏽

🚨 1. Earnest Money Deposit (EMD- can be gifted but tell me...please )
This is your “I’m serious” money 💯
✔️ Typically 1% of the purchase price (varies by market)
✔️ Goes toward your closing costs or down payment later
✔️ Held by the title company

👉🏾 Example: $200K home = $2,000 or less

🔍 2. Home Inspection Fee (optional but I wouldn't skip it- can be paid by another person)
You want to know WHAT you’re buying
✔️ Paid out of pocket
✔️ Usually $300–$600 depending on size of the home

🏦 3. Appraisal Fee
Required by the lender to confirm value
✔️ Typically $600–$850
✔️ Paid upfront at time of order

Let’s Be Real…
This money is NOT extra — it’s part of the process of becoming a homeowner 🏡✨

And the goal?
👉🏾Most of it gets applied toward your purchase (not wasted!)

⚠️ Pro Tip From A Mortgage Loan Officer:
DO NOT move money around, deposit random cash, or make large unexplained deposits during this time 🚫
We have to source EVERYTHING during underwriting 👀

🏡 Bottom Line:
If you’re planning to buy… you need to have some liquid funds ready BEFORE making an offer.

🔑 Licensed & Ready to Help You Finance a Home! 🏡✨

👉🏾 California Licensed Lender

💭 Thinking about purchasing a home?
Here’s the real question: “What are you waiting for?” 👀

Let’s get you prepared the RIGHT way from the start 🫡

Homeownership becomes possible when you stop guessing and start with a plan‼️🏡
📩 Contact me TODAY to get started ✅ I’d love to help ‼️
Natasha Branum
Mortgage Loan Officer | NMLS #1604644| DRE # 02026608
(Equal Housing Lender)
📧 [email protected]

There’s no better compliment in this business than getting a referral from a past client.It means the process worked.The...
04/14/2026

There’s no better compliment in this business than getting a referral from a past client.

It means the process worked.
The communication landed.
And the trust was real.

Referrals aren’t about luck -> they’re earned.
And when someone puts their name behind mine, I make sure the experience lives up to it.

📲 California Lender

One small payment change can shorten your mortgage by years.Most homeowners make 12 payments per year.But when you switc...
03/13/2026

One small payment change can shorten your mortgage by years.

Most homeowners make 12 payments per year.

But when you switch to biweekly payments, you end up making the equivalent of 13 payments each year.

That extra payment goes toward the principal, which reduces the balance faster and lowers the amount of interest charged over time.

Small adjustments like this can have a big long term impact.

• Principal drops faster
• Interest costs shrink
• Your loan can disappear years earlier

A simple strategy that can save tens of thousands over the life of a mortgage.

Note: Make sure to check with your lender before doing this to make sure this option is available to you.

One of the biggest things buyers don’t expect during the homebuying process is underwriting.It can feel detailed.It can ...
03/11/2026

One of the biggest things buyers don’t expect during the homebuying process is underwriting.
It can feel detailed.
It can feel repetitive.
Sometimes it even feels like we’re asking for the same thing twice.
Check The Comments for more 👇🏾

HEY LOOK AT THIS!!Buying your first home can feel like a tough matchup today – which is why so many first-time buyers st...
02/04/2026

HEY LOOK AT THIS!!

Buying your first home can feel like a tough matchup today – which is why so many first-time buyers stay on the sidelines, waiting for an assist from the market.

But the buyers who actually win don’t wait for the market to help them out. They take the ball and run. And here are some ways you can do that.

With the right prep, maybe you’re not watching the big game at someone else’s house next year. You’re watching it from your own living room.

If buying before next season is on your radar, let’s build a game plan that’ll make it happen.

📩 Contact me TODAY to get started ✅ I’d love to help ‼️
Natasha Branum
Mortgage Loan Officer | NMLS #1604644| DRE # 02026608
(Equal Housing Lender)
📧 [email protected]

Ever wonder why two buyers can get completely different interest rates?Your rate isn’t based on just one thing. It’s sha...
01/28/2026

Ever wonder why two buyers can get completely different interest rates?

Your rate isn’t based on just one thing. It’s shaped by several factors working together, including your credit score, loan type, loan program, loan term, loan amount, and down payment.

That’s why comparing rates without understanding the full picture can be misleading. The goal isn’t just a low rate, it’s the right rate for your situation and long-term goals.

If you want help understanding how these factors apply to you, hit me up 📧 [email protected]

I’d love to help ‼️
Natasha Branum
Mortgage Loan Officer | NMLS #1604644| DRE # 02026608
(Equal Housing Lender)

PRE-APPROVAL ≠ HOUSE SHOPPINGBefore Zillow… before showings… before falling in love…You need to know your buying power.T...
01/28/2026

PRE-APPROVAL ≠ HOUSE SHOPPING
Before Zillow… before showings… before falling in love…
You need to know your buying power.
That protects your time and your credit.

💬 Who’s Next ?

Address

Sacramento, CA

Website

,

Alerts

Be the first to know and let us send you an email when Natasha Branum, Wholesale Lender- NMLS 1604644 CA BRE 02026608 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Natasha Branum, Wholesale Lender- NMLS 1604644 CA BRE 02026608:

Shortcuts

Share

Category