Whether this is your first home, vacation home, or forever home, my team will find the mortgage that best suits your needs and supports your financial goals.
Mortgage Expertise Backed by Experience, Education, and Results.
I know you have a lot of choices when it comes to mortgage lenders. When you work with me, you’ll get more than a loan—you’ll get a trusted resource who takes the time to understand your goals, answer your questions, and guide you through every step of the process. Whether you’re buying, refinancing, or just exploring your options, I’m here to help.
REVIEWS FOR SUE MEITNER

Ask Sue
Real Mortgage Questions. Straight Answers.
Most buyers we work with have credit scores of 620 or higher, but some loan programs allow scores as low as 580. Each program has different requirements, so we’ll review your overall financial picture to help find the best loan option for you.
You may need less than you think! Some conventional loan programs allow down payments as low as 3%, while FHA loans offer options starting at 3.5%. Eligible VA and USDA buyers may qualify for zero down payment.
Down payment assistance programs may also help qualified buyers reduce their upfront costs. The amount you need depends on your loan program, credit profile, and financial situation.
Yes. A pre-approval helps you understand your budget and strengthens your offer when you find the right home. Most real estate agents require one before you start touring homes.
Student loans can affect how much you qualify to borrow because lenders consider them when calculating your debt-to-income ratio (DTI). Even if your student loans are deferred or on an income-driven repayment plan, they may still count toward your monthly debt obligations.
Different mortgage programs have different guidelines for calculating student loan payments. Having student loan debt does not automatically prevent you from buying a home. We’ll review your overall financial picture to help determine which loan options work best for you.
The answer depends on your goals, current rate, and how you plan to use the funds. You can use funds from a cash out refinance, HELOC or home equity loan for home improvements, debt consolidation, education expenses, major purchases, or other financial needs.
Some loan programs may have specific requirements. Keep in mind that your home serves as collateral, and the interest may only be tax-deductible when funds are used for qualifying home improvements.
Local lenders often provide more personalized guidance, faster communication, and stronger relationships with area real estate professionals. My strong reputation often puts offers at the top of the pile in a competitive market. Agents trust the deal will get done in a timely manner with the highest level of professionalism.
Let’s talk About your Goals
Whether you’re buying your first home, moving up, refinancing, or simply exploring your options, we’re here to help.







