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Sese Ntem - Residential Mortgage Advisor

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United States
Santa Barbara, CA
Sese Ntem - Residential Mortgage Advisor

Real Estate & Home Financing Advisor | Helping People Buy with Confidence | UCSB Alumni

05/26/2026

From Rate Anxiety to Homeownership Confidence 🏡

A lot of buyers are waiting for the “perfect” interest rate before making a move.
But here’s what many are realizing:

The right strategy matters more than perfect timing.

With the right loan structure, down payment options, seller credits, and a clear game plan, homeownership may be more achievable than you think — even in today’s market.

The buyers winning right now aren’t necessarily waiting… they’re preparing.

If you’re unsure whether now is the right time to buy, let’s run the numbers together and build a strategy that fits your goals and comfort level.

Confidence starts with clarity. 📈

DM me “PLAN” and let’s explore your options.

04/29/2026

Grateful for another strong month helping clients win in a challenging market 🙏

We closed on two very different but equally meaningful deals:

• A first-time investor entering the Isla Vista market near UCSB — a high-demand student housing area that required strategy and persistence.

• A returning client who completed a cash-out refinance to unlock equity and move forward on their next investment.

Every deal is different. Every client has a vision. My job is to find a way to make it happen — and get it to the closing table.

In this market, communication, problem-solving, and follow-through matter more than ever.

👉 Realtor partners: If you’re looking for a lender who will represent you well, keep your clients informed, and help you close more deals — I’d love to connect and support your business.

Let’s build and win together.

Sese Ntem
Home Lending Advisor
NMLS 2306237
Guzzo & Co

04/03/2026

Have you been told you do not qualified to buy your home due to traditional qualifying mortgage requirements? This webinar is all you need to know more about your possibilities to get the keys to your new home.

Sese Ntem
Guzzo & Company
NMLS #2306237

03/22/2026

We can use your property income to qualify you for a new purchase. Ask us how.

12/17/2025

Client’s Review 🌍🏡

Multilingual team. Global borrowers. Real results.
From French to Spanish, Arabic to Italian, our team ensures international buyers feel understood—every step of the way.

This borrower found us through a referral and wasn’t sure U.S. financing could be explained clearly in French. Once we introduced the DSCR Foreign National loan program, everything changed—and the deal closed.

U.S. real estate has no borders.
If you or your network are looking to finance property in the USA, the door is open.

NMLS # 2306237
Guzzo & Co

Cell: 805.284.1020
Email: [email protected]

12/12/2025

Just Funded! 🙌

A borrower came to us stuck in a 10.45% hard money loan and facing declines left and right due to a property with 2 APNs under one legal description. Most lenders wanted to split it into two loans, which would have caused long delays.

We found the lender who said YES.
We moved him out of the hard money loan and into ONE DSCR loan at 7.25%, saving him $600+ per month.

If you’re dealing with a unique or complicated loan situation, my team is here to help find the best path forward.

📞 805-284-1020
📧 [email protected]

NMLS # 2306237
Guzzo & Co

11/29/2025

Closing Alert! 🚀

Congratulations to my client, on the successful funding of his first investment property. He came into the process with a vision, and my team and I helped him secure the right financing to make it real. With strategy, preparation, and the right loan structure, he positioned himself for strong long-term returns.

Kak Komlanvi always great working with you!
Rosa Vazquez, thanks for your hard work!
To the ops team at Guzzo & Co, thanks for your support!

Thinking about investing? Want to understand what financing options are available to you?
Let’s talk—your investment journey can start sooner than you think.

NMLS # 2306237
Guzzo & Co

11/25/2025

✨ Honored to be featured in The Giving List Santa Barbara! ✨

The article talks about “the philanthropy of just saying yes” — a reminder that giving your time, energy, and heart can create a ripple effect in our communities.

Even one small act of service can make a difference. Sometimes, all it takes is saying yes.

Let’s keep serving, connecting, and lifting each other up. 💛

09/30/2025

𝐏𝐫𝐞𝐩𝐚𝐫𝐚𝐭𝐢𝐨𝐧 "𝐇." 𝐂𝐨𝐦𝐞 𝐚𝐧𝐝 𝐠𝐞𝐭 𝐢𝐭.

How to avoid the burn of a looming government shutdown - and of course, the "H" is for housing. Couldn't help myself......apologies for those who may really be suffering.......

The clock is ticking - 12 is the deadline this evening - a trade group just estimated there's an 80% chance of a shutdown.

And while it's a pain in the A, it's not a total show-stopper for housing.

Originators and realtors, here's your "need to know cheat sheet":

𝐎𝐑𝐈𝐆𝐈𝐍𝐀𝐓𝐎𝐑𝐒: 𝐖𝐡𝐚𝐭 𝐊𝐞𝐞𝐩𝐬 𝐌𝐨𝐯𝐢𝐧𝐠
Conventional / Fannie Mae & Freddie Mac: Loans flow, AUS/pricing run like normal. VA loans: Guaranty intact, minor lag possible.

Secondary markets (MBS/TBAs): Trades, locks, securitization continue

Cash, jumbo, private financing: Zero impact

🛑 𝐖𝐡𝐚𝐭 𝐆𝐞𝐭𝐬 𝐉𝐚𝐦𝐦𝐞𝐝 🛑

USDA loans: New guarantees freeze = pipeline stalls
FHA: Manual underwriting, condos, exceptions crawl
NFIP (flood insurance): No new policies → flood-zone closings dead
IRS transcripts & SSA checks: Verifications delayed = approvals stuck

🛑𝐄𝐱𝐢𝐬𝐭𝐢𝐧𝐠 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐈𝐦𝐩𝐚𝐜𝐭 🛑

USDA/FHA loans already in process risk freeze
Flood-zone deals collapse without private flood coverage
Income/ID verification delays = bottlenecks

𝐖𝐡𝐚𝐭 𝐨𝐫𝐢𝐠𝐢𝐧𝐚𝐭𝐨𝐫𝐬 𝐬𝐡𝐨𝐮𝐥𝐝 𝐛𝐞 𝐝𝐨𝐢𝐧𝐠 𝐭𝐨 𝐩𝐫𝐞𝐩𝐚𝐫𝐞:

🔹 Audit pipeline today—flag USDA, FHA, flood-zone
🔹 Collect docs early—don’t depend on transcripts
🔹 Price private flood insurance now
🔹 Build USDA → conventional pivots
🔹 Over-communicate—silence kills deals

𝐖𝐡𝐚𝐭 𝐫𝐞𝐚𝐥𝐭𝐨𝐫𝐬 𝐬𝐡𝐨𝐮𝐥𝐝 𝐛𝐞 𝐝𝐨𝐢𝐧𝐠 𝐭𝐨 𝐩𝐫𝐞𝐩𝐚𝐫𝐞:

🔹 Identify at-risk buyers early
🔹 Add contract clauses for shutdown delays
🔹 Prep buyers/sellers—it’s Washington, not you
🔹 Have private flood carriers on deck
🔹 Demand lenders bring solutions, not excuses

Preparation Housing.

Let's hope we don't need to scratch that itch.....

*Credit to Greg Sher (Managing Director @ NFM lending) for sharing this insightful article.

Sese Ntem NMLS # 2306237
Guzzo & Coht

09/27/2025

They told him ‘no credit, no home’ — but today he’s holding the keys!

Five years ago, a father came to the U.S. legally, determined to build a better future for his wife and four children. He paid cash for everything — with only a checking account, no credit cards, no loans, no FICO score.

When their home became too small, he applied for a mortgage with a builder… and was denied for having no credit score.

That’s when the Centex sales team at Pulte Homes reached out to me. My team partnered with a credit reporting agency and a lender specializing in No FICO programs — and we rolled up our sleeves.

✅ Built an alternative credit profile
✅ Found the right lender
✅ Closed escrow on time

Today this beautiful family holds the keys to their brand-new home — proof that homeownership dreams don’t stop at “no credit.”

A heartfelt thank-you to Pulte Homes and their Centex sales team for trusting us with this journey.

💌 If you or someone you know is facing a similar challenge, don’t give up. Message me — let’s get you home.

Nmls ID 2306237
Guzzo & Co

Address

Santa Barbara, CA

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm

Telephone

+18052841020

Website

http://www.us.guzzoandco.com/sese-ntem/, https://www.dscrandbeyond.com/

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