Mortgageswithsunny

Mortgageswithsunny Loan Officer | NMLS #395983 Sunny Fonseca
Loan Officer | NMLS #395983

08/28/2026

It happens 😅

💡Let’s build a plan that actually works for you.

08/28/2026

Before you say “I DO”… let’s talk real estate. 🏡💍

If you and your future spouse are both financially ready to buy, consider whether it makes sense for each of you to purchase a home individually before getting married.

Why? Instead of starting your marriage with just one property, you could potentially start with two properties, two opportunities to build equity, and the beginning of a real estate portfolio. 📈

Marriage is about building a future together—and sometimes that means making smart financial moves before the wedding.

Every situation and loan program is different, so talk to a mortgage professional before making the move.

Build the love. Build the marriage. Build the portfolio. 🏡❤️🏡

BuildWealth RealEstateInvesting

08/26/2026

Not every mortgage fits every borrower 👀

Investor? Business owner? Retired? First-time buyer? The right loan strategy can look completely different depending on your income, assets, goals, and the property itself.

That’s why knowing the loan options available to you matters just as much as knowing the rate.

Which one of these loan types surprised you the most?

💡Let’s build a plan that actually works for you.

08/24/2026

Think the person making more money automatically looks better to a lender? 👀 Not always.

That’s where DTI — debt-to-income ratio — comes in.

Lenders look at how much of your monthly income is already going toward debt, not just how much you earn.

In this example:
Person A = 45% DTI
Person B = 21.4% DTI

So even though Person A earns more, Person B has a much lower percentage of income tied up in monthly debt payments.

Your income matters — but so does what’s already coming out every month.

💡Let’s build a plan that actually works for you.

There’s something powerful about surrounding yourself with good, successful, supportive women. 🤍Women who genuinely want...
08/23/2026

There’s something powerful about surrounding yourself with good, successful, supportive women. 🤍

Women who genuinely want to see you win. Who celebrate your accomplishments, encourage your growth, and remind you of your strength when you need it most.

Success feels different when there’s no competition at the table just support, inspiration, good energy, and women pushing each other to become better.

Choose your circle wisely. The right women don’t just stand beside you they elevate you. ✨

08/22/2026

🏡 Your New Home Could Be Ready for the Holidays 🍂🦃

What if this Thanksgiving looked a little different?

✨ Your own kitchen
✨ Your own dining room
✨ Your family gathered in YOUR new home

If you close in September, your first mortgage payment is typically not due until November 1st.

That gives you October to settle in, decorate, and get ready to make your first holiday memories at home. 🤎

Don’t wait for the holidays to start thinking about buying. Start the conversation now.

📲 Let’s see what you qualify for and get you one step closer to homeownership. 🔑🏡

Payment dates may vary based on closing date and loan terms.

🏡 Prices change. Rates change. Markets shift.There will always be a reason to wait for the “perfect” time to buy but per...
08/17/2026

🏡 Prices change. Rates change. Markets shift.

There will always be a reason to wait for the “perfect” time to buy but perfect markets don’t build wealth. Ownership does.

Every mortgage payment is another step toward building equity in something that’s yours. 🔑

You don’t have to start with your dream home. You just have to start with the right home and the right plan.

Stop trying to time the market and start asking: What can I comfortably afford today?

📲 Let’s run the numbers and create a homeownership plan that makes sense for YOU.

MortgageBroker HomeBuyingTips FloridaRealEstate

08/12/2026

Banks don’t always advertise this one 👀

A mortgage recast can potentially lower your monthly payment without refinancing by applying a large lump-sum payment toward your principal and then recalculating your payment based on the new balance.

That means you may be able to keep your current interest rate while lowering the payment.

Not every loan qualifies, and lender rules vary, so it’s definitely something worth asking about if you come into extra cash.

💡Let’s build a plan that actually works for you.

My heart is full. 🎂🤍I’m beyond grateful for another year of life, for my family, my journey, the lessons, the growth, an...
08/12/2026

My heart is full. 🎂🤍

I’m beyond grateful for another year of life, for my family, my journey, the lessons, the growth, and every blessing even the ones I didn’t understand at the time.

Above all, I thank God. 🙏🏼 He has carried me through every season, opened doors I never expected, protected me in ways I’ll probably never know, and continued to remind me that His plans are always greater than mine.

Another year older, a whole lot wiser, stronger, more confident, and truly feeling better than ever. ✨

Here’s to this next chapter more peace, more love, more blessings, more laughter, and becoming everything God has called me to be.

Happy Birthday to me. 🥂🎂✨

# 's my birthday

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Fort Lauderdale, FL

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

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