DJ Sutera - Mortgage Loan Officer - NMLS #2037669

DJ Sutera - Mortgage Loan Officer - NMLS #2037669 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

09/11/2026

There’s a big difference between helping someone move forward and simply telling them what they want to hear.

In real estate, optimism can get expensive when it delays a difficult conversation. Buyers make plans. Agents invest time. Sellers make decisions. A lot of people can end up depending on an outcome.

The professionals you want beside you are the ones willing to identify the problem while there’s still time to solve it.

Sometimes that means the path changes. Sometimes it means the timing changes. That’s still progress.



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

09/10/2026

Bringing your boss onto your podcast is always a good idea… until you jokingly mention a performance intervention and he tells you an hour isn’t nearly enough time. 😂

Sean Logue joined me for Episode 13 of Business In The Front, and we were about 30 seconds in when this happened.

Safe to say we settled in pretty quickly.

Had a lot of fun with this conversation and got into plenty beyond the jokes too. Looking forward to sharing more of 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

09/09/2026

For anyone trying to turn their current home into a rental and move on to the next property, the financing side of that transition has historically been one of the harder parts.

You may know the property will generate rent once you move out—but if that income can’t be counted yet, qualifying while carrying the existing mortgage can become a problem.

Updated conventional financing guidelines can make that easier in certain situations by allowing us to consider prospective rental income from your departing residence without requiring an executed lease to already be in place.

You still have to qualify under the applicable loan guidelines, and this isn’t going to work the same way for every borrower. But it gives us another way to approach that awkward middle stage where you’re trying to keep one property and acquire the next.

I’m building my own real estate portfolio too, so I understand how important the numbers are at this stage.

If this is something you’ve been considering, reach out. We can walk through the actual scenario before you make any assumptions about what you can or can’t do.



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

09/04/2026

You learn a lot about a team when somebody isn’t available.

Can the work keep moving without everything falling back on one person? Can people trust each other enough to step away without worrying about what’s happening in their absence?

That kind of culture takes time to build. But when people stop guarding their individual piece of the business and start thinking collectively, both the client experience and the people behind it benefit.

It’s an interesting way to think about what a team is actually supposed to provide.



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

There’s a lot of mortgage experience sitting around this table—but it started long before Kyle and I ever got into the b...
09/01/2026

There’s a lot of mortgage experience sitting around this table—but it started long before Kyle and I ever got into the business.

My uncle Kevin started originating mortgages back in 1984/85. His son Kyle, my cousin, has now been doing it for 12 years. I’m six years into my own career.

For Episode 12 of Business In The Front, we finally got all three perspectives together for the Sutera Round Table.

We started at the beginning with Kevin and worked our way through how the mortgage business has changed, how Kyle and I found our own places in it, what it looks like today, and where we think it could be heading next.

And because it’s family, there were plenty of stories mixed in that had absolutely nothing to do with the planned questions. 😂

Really enjoyed recording this one.



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

08/31/2026

That felt like the right way to put a bow on summer.

Spent some time down in Ocean City walking the beach, got out on the wave runner, had dinner with my parents, and then made the trip over to Atlantic City to catch RÜFÜS DU SOL on the beach.

Nothing complicated. Just a really good couple of days with some of my favorite people, doing some of my favorite things.

Summer always seems to go faster than you expect, so I’m glad we got one more good Shore weekend out of it.

Hope everybody had a good one. What was your favorite part of the summer?



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

08/28/2026

If you’re actively building a real estate portfolio, this is a financing option I’d want on your radar.

We now have access to an investment property program that allows qualified borrowers to put 10% down without mortgage insurance.

Previously, we had options that could get investors down to 15%, but the rates and terms didn’t always make them particularly attractive. This new option gives us another scenario to evaluate for investors who would rather keep more of their capital available instead of putting a larger amount into one purchase.

That doesn’t mean 10% down is automatically the best strategy for every deal. We still need to look at the rate, payment, property, cash flow and your larger investment plan.

But having another option is valuable.

If you have a property in mind—or you’re planning your next acquisition—send me the numbers and we can see how it compares.



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

08/26/2026

“How do I know if I’m even close to qualifying for a mortgage?”

Before getting buried in all the details, I usually start by looking at three things: credit, savings and income.

There are mortgage options that may be available starting around a 580 credit score. For savings, having roughly $10,000–$15,000 can give certain buyers something to work with, particularly if they’re eligible for first-time buyer assistance.

Then there’s income. A quick benchmark I sometimes use is roughly four times your gross annual income as a potential maximum purchase price. So $100K in annual income could put a $400K home somewhere in the conversation.

But—and this is important—that’s a rough benchmark, not a preapproval. Your debts, credit, taxes, insurance, loan program and plenty of other details can change the math significantly.

Use the three numbers to start the conversation. Then let’s build the actual file around you.



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

08/24/2026

There’s a version of success that looks exciting from the outside but is actually pretty boring in practice.

Earlier nights. Better sleep. Fewer distractions. More consistency.

What stood out in this conversation with Mike was how naturally his lifestyle started changing once his ambitions became more important to him. It wasn’t really about forcing discipline. His priorities had simply shifted.

That distinction matters.

Sometimes the clearest sign that you’re serious about where you’re going is what you’re no longer interested in doing along the way.



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

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