Saundra Fenwick - Your Mortgage Consultant

11/02/2026

🏡 Hey Kings and Queens! If you’ve been waiting to buy a home, you need to see what’s happening in the DMV market!

More choices and more negotiating power for buyers. 👀

📉 National average 30-year rate: 7.24% (Oct 29).
🏘️ DC metro listings: +16.2% vs September 2025.
💰 Median listing price: down 4.6% year over year.

What does that mean for YOU? More room to negotiate on price, request seller-paid closing costs, or explore financing that makes homeownership more manageable.

You don’t have to wait for the perfect market to prepare — the right time depends on your finances, goals, and whether the payment makes sense.

Let’s review your buying power, loan programs, and down payment assistance before you shop.

📲 Comment “BUY” or message me!

Saundra Fenwick, Mortgage Experts | NMLS #1589959
📞 301-965-1155 🌐 ApproveMeSaundra.com



Data: Freddie Mac, Oct 29, 2026; Realtor.com, Sept 2026. Rates/eligibility vary. Concessions negotiable, not guaranteed.

11/02/2026

🏢 Hey Kings and Queens!

Think you need 25% or 30% down to purchase commercial real estate?

Not necessarily!

Depending on the property, financing program, borrower qualifications, and how the building will be used, some commercial purchases may qualify for lower down payment options.

For example, certain SBA-backed loans can offer eligible owner-occupied businesses financing with approximately 10% equity injection, although requirements vary.

But here’s the important part: Buying a building for your business is different from buying one strictly as an investment.

💬 Are you looking to purchase a building for your business or as an investment property?

Let’s talk about your financing options!

📞 301-965-1155
🌐 ApproveMeSaundra.com

Saundra Fenwick | Mortgage Experts
NMLS #1589959

11/01/2026

Sunday reflection, Kings and Queens 👑🏾🤎

This week in our estate planning series, one thing keeps coming up: most families don’t avoid planning because they don’t care. They avoid it because nobody ever explained it in plain language.

So let me ask you this: If something happened to you, would your family know exactly what to do, where everything is, and who gets what?

No judgment — most of us started at “I don’t know.” That’s exactly what Wednesday night is for.

📅 Wednesday Homeownership Academy: Funding Your Trust — Wednesday, November 4, 7 PM ET. FREE: https://saundrafenwick.com/workshops

Drop a 🤎 if protecting your family is on your list before this year ends.

10/31/2026

Title companies and signing services in DC — what makes a signing go smoothly?

On time, prepared, and calm at the table — especially for hospital, nursing-home, and evening signings.

I'm Saundra Fenwick, a Certified Loan Signing Agent and DC Notary Public — NNA Certified, Background Screened, E&O insured — available for mobile signings throughout Washington, DC, including evenings and weekends by request.

Title and escrow friends in DC: what's the one thing that makes or breaks a signing for you?

10/31/2026

Hey Kings and Queens! 👑🏾🤎

We had another great estate planning conversation last Wednesday! 🙌🏾

But here’s something I want everyone to understand: Creating a trust is only part of the process. What happens next matters just as much!

🎥 Missed Part 2? Catch the replay here:
https://drive.google.com/file/d/1GDoSadLsrHx9sIWqudnKjJobaHdBhrMr/view?usp=sharing

🏡 This Wednesday, November 4, at 7 PM ET, we’re talking about Funding Your Trust and what actually goes into it.

It’s FREE! Register here:
https://saundrafenwick.com/workshops

💬 I’m curious: Have you started planning your family’s legacy, or is it still on your to-do list?

10/30/2026

Hey Kings and Queens! 👑🏾🤎

Did you know you could spend money setting up a trust and still leave your home outside of it? 😳

Creating a trust is one step. Properly funding it is another!

And that’s where a lot of families get confused.

🏡 This Wednesday, November 4, at 7 PM ET, we’re breaking it all down at Wednesday Homeownership Academy.

FREE registration: https://saundrafenwick.com/workshops

💬 Let me ask you something: Did you know assets don’t automatically transfer into a trust just because you created one?

10/30/2026

Hey Kings and Queens! 👑🏾

MLOs, can we talk about something? 😂

How many Realtors do you have saved in your phone...

But you haven't had an actual conversation with them in MONTHS? 👀

And how many times have you thought:

"I need to reach out, but I don't want to bother anybody."

Here's the thing.

You don't have to beg for business. But you do have to create opportunities for people to get to know you.

In Season 2, Issue #42 of From License to Legacy, we're talking about building genuine Realtor partnerships without the awkward sales pitches.

Because collecting business cards isn't networking.

And having 500 Realtor connections doesn't automatically mean you have 500 relationships.

📖 Issue #42: Stop Waiting for Realtors to Find You

Question for my MLOs and Realtors: What's the BEST way a new lending partner can introduce themselves to you?

Let's hear it! 👇🏾

The Best Partnerships Don't Start With "Do You Have Any Buyers for Me?" Let me paint a picture. You're a licensed Mortgage Loan Originator.

10/28/2026

Hey Kings and Queens! 👑🤎

MISSED PART 1? NO PROBLEM! 🎥

We kicked off our six-part Estate Planning Series by discussing wills, trusts, probate, and protecting your family’s future.

Now we’re taking the next step!

🏡 Part 2: Getting Your Trust Started

📅 Wednesday, October 28 | 7 PM ET

🎥 Catch the Part 1 recording:
https://drive.google.com/file/d/1-PJDqkWMF83gPyIL5nuEM7oTiM-1HQKz/view?usp=sharing

👉🏾 Register for Part 2 FREE:
https://saundrafenwick.com/workshops

It’s not too late to join us! 🤎

10/27/2026

“MY HOUSE HAS $250,000 IN EQUITY!” 🏡💰

Okay! That's wonderful!

But before you start mentally spending that money...

COME BACK HERE! 😩😂

Because having equity and being able to borrow that entire amount are TWO different things.

And just because you CAN access your equity doesn't automatically mean you SHOULD.

In Issue #42 of From Rent to Reign, we're talking about three major ways homeowners may access equity:

🏡 HELOC: A revolving line of credit secured by your home.

💰 Home Equity Loan: A lump-sum loan, often with a fixed rate and predictable payments.

🔑 Cash-Out Refinance: Replacing your current mortgage with a larger one and receiving eligible cash proceeds.

But here's the conversation I REALLY want homeowners to have:

Does borrowing against your equity actually improve your financial situation?

Especially if you're sitting on a low-interest mortgage from a few years ago!

We're discussing the benefits, the risks, and the questions you should ask before making a decision.

Because your equity is an ASSET.

Not an ATM! 😂🤎

👇🏾 Read Issue #42 and tell me: If you had $100,000 in accessible equity, would you use it or leave it alone?

🗣️ Saundra's Corner | Your Equity Is an Asset, Not an ATM! Let me tell you about a conversation mortgage lenders have ALL the time. A homeowner calls and says: “Saundra! My house is worth $500,000, and I only owe $250,000!” Okay! That's wonderful! “So that means I have $250,000 I can take...