DJ Sutera - Mortgage Loan Officer - NMLS #2037669

Home
United States
West Chester, PA
DJ Sutera - Mortgage Loan Officer - NMLS #2037669

Call Directions Website Contact the business

Everyone deserves a shot at homeownership. Let’s make it simple, friendly & stress-free.

Mortgage Loan Officer | PA • DE • NJ • FL
NMLS # 2037669 • CrossCountry Mortgage NMLS # 3029
Equal Housing Lender

10/28/2026

Here's a situation I see homeowners get stuck in all the time.

You've built up equity in your current house. You're ready for something bigger, smaller, or just different. Maybe you've even found the perfect next home.

But there's one problem.

Most of the money you'd use for your next down payment is sitting in the house you haven't sold yet.

So you start worrying about how to coordinate everything. Do you sell first? Make a contingent offer? Find somewhere temporary to live?

There's another option that a lot of homeowners don't know to ask about: a bridge loan.

For qualified borrowers, a bridge loan can provide access to a portion of their existing home equity before their current property sells.

That could give you more flexibility when purchasing your next home, potentially including the ability to make an offer without a home-sale contingency.

Now, there are important considerations. Bridge loans have costs, you need a repayment plan, and you may have to carry expenses on two properties temporarily.

But before you assume you have to sell your house first, it's worth sitting down and looking at the actual numbers.

Sometimes the biggest obstacle to making your next move is simply not knowing what financing options are available.

Have you ever tried coordinating the sale of one home with the purchase of another?

Dylan Sutera NMLS # 2037669
Sr. Loan Officer
610-220-4456
1615 West Chester Pike, Unit 103 West Chester, PA 19382
Licensed by the PA Dept of Banking and Securities
Licensed by the NJ Dept of Banking and Insurance
Licensed by the DE State Bank Commissioner
Licensed by the MD State Bank Commissioner
Licensed by the Florida Office of Financial Regulation
CrossCountry Mortgage NMLS # 3209
Equal Housing Lender

10/27/2026

One thing I think gets overlooked when people talk about buying a house is how many different ways a deal can come together.

Two buyers can purchase similar homes at similar prices and walk away with very different financial situations.

That's why the conversations happening before an offer are so important.

A buyer who's focused on keeping more cash available might need a completely different approach than someone who's trying to manage their monthly payment.

And when market conditions start changing, those conversations become even more valuable.

Jackie DiAntonio and I got into this during our conversation, and it's something I think more buyers and agents should be discussing early in the process.

What are you seeing buyers prioritize most right now?

Dylan Sutera NMLS # 2037669
Sr. Loan Officer
610-220-4456
1615 West Chester Pike, Unit 103 West Chester, PA 19382
Licensed by the PA Dept of Banking and Securities
Licensed by the NJ Dept of Banking and Insurance
Licensed by the DE State Bank Commissioner
Licensed by the MD State Bank Commissioner
Licensed by the Florida Office of Financial Regulation
CrossCountry Mortgage NMLS # 3209
Equal Housing Lender

10/26/2026

I don't know about everyone else, but this might've been the perfect fall weekend in Pennsylvania. 🍁

The leaves are at their peak, the sun is still warm, and there's just enough chill in the air to remind you what time of year it is.

Spent a good chunk of the weekend up on the roof at my place in Mont Clare, sealing and painting. Really happy with how it turned out, but man, I forgot how much of a pain oil-based paint is to work with. 😂

Managed to get in a beautiful run along the Schuylkill River Trail and a workout at Barry's Bootcamp with my man Connery Koski. Between all that and the roof project, I definitely stayed busy.

One of the best parts of the weekend was dinner with my lady Madi at Bloom Southern Kitchen in Chester Springs. Incredible food, great atmosphere, and some much-needed time together to reflect on everything this year has brought us.

It's been an incredible ride so far. Lots of good memories, plenty of lessons, and so much to be thankful for.

And we're not slowing down anytime soon. Just gotta keep showing up and putting in the work every single day. 🙌

Hope everyone got a chance to enjoy this beautiful weather! What did you get into this weekend?

Dylan Sutera NMLS # 2037669
Sr. Loan Officer
610-220-4456
1615 West Chester Pike, Unit 103 West Chester, PA 19382
Licensed by the PA Dept of Banking and Securities
Licensed by the NJ Dept of Banking and Insurance
Licensed by the DE State Bank Commissioner
Licensed by the MD State Bank Commissioner
Licensed by the Florida Office of Financial Regulation
CrossCountry Mortgage NMLS # 3209
Equal Housing Lender

10/23/2026

Funny how you can work in the same building as someone and still have to schedule time to sit down and catch up. 😂

That's exactly what happened with my latest Business In The Front guest, Tom Toole!

Tom leads the Tom Toole Sales Group and has built a strong presence in the Chester County and Greater Philadelphia real estate markets.

Always great getting to connect with someone who's been part of our local real estate community for so long.

Thanks for making the trip down West Chester Pike, Tom. At least you didn't have to go far!

Episode 15 coming soon. 🎙️

Dylan Sutera NMLS # 2037669
Sr. Loan Officer
610-220-4456
1615 West Chester Pike, Unit 103 West Chester, PA 19382
Licensed by the PA Dept of Banking and Securities
Licensed by the NJ Dept of Banking and Insurance
Licensed by the DE State Bank Commissioner
Licensed by the MD State Bank Commissioner
Licensed by the Florida Office of Financial Regulation
CrossCountry Mortgage NMLS # 3209
Equal Housing Lender

10/22/2026

So I went outside to trim a few branches, and now I need a new basement door.

Makes sense, right? 😂

Apparently, the previous owner thought a wooden Bilco door was a perfectly reasonable solution. Unfortunately, years of moisture had turned that thing into something closer to a sponge than an actual door.

Found that out the hard way when I stepped onto it and went straight through.

Thankfully, I'm here to tell the story, but I've officially got another project to tackle.

This time we're doing it properly with a sturdy metal replacement. No more questionable patch jobs.

It's funny how quickly a simple afternoon project can turn into something completely different when you own a house.

If anyone has experience replacing Bilco doors, I'd genuinely appreciate some advice. Anything I should know before getting started?

Dylan Sutera NMLS # 2037669
Sr. Loan Officer
610-220-4456
1615 West Chester Pike, Unit 103 West Chester, PA 19382
Licensed by the PA Dept of Banking and Securities
Licensed by the NJ Dept of Banking and Insurance
Licensed by the DE State Bank Commissioner
Licensed by the MD State Bank Commissioner
Licensed by the Florida Office of Financial Regulation
CrossCountry Mortgage NMLS # 3209
Equal Housing Lender

10/21/2026

Nobody tells you how much of homeownership involves standing in your bathroom, questioning every decision you've ever made. 😂

I've been working on getting my current place ready to turn back into an investment property, which means tackling all those little projects that somehow turn into much bigger projects.

This week's project was the shower.

Old grout, grime, a few chips in the tub, the whole deal. Spent hours with a multi-tool cleaning everything out before regrouting and caulking.

And here's the part that really got me.

For YEARS I've been smoothing caulk with my finger because I refused to believe a little $5 plastic tool was worth buying.

Well, I finally bought one.

Turns out I've been the problem this entire time.

The shower looks great now, and I've officially added one more tool to the collection.

Anybody else have one of those embarrassingly simple home improvement discoveries that changed everything? I'd love to hear it.

Dylan Sutera NMLS # 2037669
Sr. Loan Officer
610-220-4456
1615 West Chester Pike, Unit 103 West Chester, PA 19382
Licensed by the PA Dept of Banking and Securities
Licensed by the NJ Dept of Banking and Insurance
Licensed by the DE State Bank Commissioner
Licensed by the MD State Bank Commissioner
Licensed by the Florida Office of Financial Regulation
CrossCountry Mortgage NMLS # 3209
Equal Housing Lender

10/20/2026

I've worked with a lot of real estate agents over the years, and one thing I've noticed is that the best ones aren't necessarily the loudest or the ones constantly talking about how many houses they've sold.

They're the ones who know when somebody needs an explanation, when they need reassurance, and sometimes when they just need somebody to listen.

I asked Jackie DiAntonio what she's learned after more than 20 years in real estate, and I thought her answer was a really good one.

Think about what actually happens during a home purchase. You're making a massive financial commitment, dealing with deadlines, negotiations, inspections, and about a hundred things you probably weren't expecting.

Having someone who understands the person going through all that is a pretty big deal.

That's the kind of experience that doesn't always show up on a résumé.

Dylan Sutera NMLS # 2037669
Sr. Loan Officer
610-220-4456
1615 West Chester Pike, Unit 103 West Chester, PA 19382
Licensed by the PA Dept of Banking and Securities
Licensed by the NJ Dept of Banking and Insurance
Licensed by the DE State Bank Commissioner
Licensed by the MD State Bank Commissioner
Licensed by the Florida Office of Financial Regulation
CrossCountry Mortgage NMLS # 3209
Equal Housing Lender

10/19/2026

Pretty great weekend, minus about three hours of Eagles football. 😂

Got out to Rose Bridge Farm & Sanctuary for their Coffee & Cows experience, which was exactly what it sounds like. Drinking coffee, hanging out with some ridiculously fluffy cows, and meeting a few other animals along the way.

If you've never done something like that, I'd definitely recommend it. Hard to have a bad morning when you're surrounded by animals.

Also got to spend some time with good friends and watching the Eagles.

Unfortunately, the Eagles did not seem nearly as interested in having a good weekend as the rest of us.

Good food, good friends, some fresh air, and a whole lot of animals. Can't complain too much.

Anybody else make it out to Rose Bridge Farm before?

Dylan Sutera NMLS # 2037669
Sr. Loan Officer
610-220-4456
1615 West Chester Pike, Unit 103 West Chester, PA 19382
Licensed by the PA Dept of Banking and Securities
Licensed by the NJ Dept of Banking and Insurance
Licensed by the DE State Bank Commissioner
Licensed by the MD State Bank Commissioner
Licensed by the Florida Office of Financial Regulation
CrossCountry Mortgage NMLS # 3209
Equal Housing Lender

10/17/2026

Here's something worth thinking about if you're planning to buy a house in the near future.

Let's say you're shopping for a new car and looking at a $500 monthly payment.

Seems pretty reasonable, right?

Well, from a mortgage qualification standpoint, that additional monthly debt could change what you're eligible to borrow by a pretty substantial amount. Depending on your loan and financial situation, the difference in purchasing power could approach $100,000.

Now flip that around.

Maybe you're considering a new job that pays $6,000 more a year. That's $500 more in gross monthly income, which could also affect your mortgage qualifications if that income is eligible to be counted.

Two decisions that might not seem directly connected to buying a house can have a real impact on your options.

Of course, income increases and debt payments aren't treated exactly the same way in mortgage underwriting, so the results won't necessarily be equal.

If you're considering a big financial change before buying, I'd be happy to run through the numbers with you.

Better to know what you're working with before making the decision.

Dylan Sutera NMLS # 2037669
Sr. Loan Officer
610-220-4456
1615 West Chester Pike, Unit 103 West Chester, PA 19382
Licensed by the PA Dept of Banking and Securities
Licensed by the NJ Dept of Banking and Insurance
Licensed by the DE State Bank Commissioner
Licensed by the MD State Bank Commissioner
Licensed by the Florida Office of Financial Regulation
CrossCountry Mortgage NMLS # 3209
Equal Housing Lender

10/15/2026

Here's something I wish more buyers knew before they started negotiating on a house.

Getting the seller to knock $10,000 off the price feels like a pretty big win. And sometimes it absolutely is.

But depending on your financing, that reduction might only change your monthly mortgage payment by about $60.

Meanwhile, you could be sitting there trying to figure out how to cover your down payment, closing costs, moving expenses, and everything else that comes with buying a house.

That's where asking the seller to contribute toward your closing costs might actually make more sense.

You're not necessarily getting the house for less money, but you could be keeping thousands of dollars in your bank account when you need it most.

Of course, there are limits and tradeoffs. You have to consider the appraisal, the loan program, and how the numbers compare over time.

My advice? Have your Realtor and lender run both options before deciding what to offer.

Because the lowest purchase price isn't always the best financial outcome.

Dylan Sutera NMLS # 2037669
Sr. Loan Officer
610-220-4456
1615 West Chester Pike, Unit 103 West Chester, PA 19382
Licensed by the PA Dept of Banking and Securities
Licensed by the NJ Dept of Banking and Insurance
Licensed by the DE State Bank Commissioner
Licensed by the MD State Bank Commissioner
Licensed by the Florida Office of Financial Regulation
CrossCountry Mortgage NMLS # 3209
Equal Housing Lender

Address

1615 West Chester Pike Suite 103
West Chester, PA
19382

Telephone

+16102204456

Website

https://mymortgageamerica.com/staff/dj-sutera/

Alerts

Be the first to know and let us send you an email when DJ Sutera - Mortgage Loan Officer - NMLS #2037669 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.