Mortgageswithsunny

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

📈 That doesn’t mean mortgage rates move exactly with the 10-year Treasury every single day, but it is one of the stronge...
09/24/2026

📈 That doesn’t mean mortgage rates move exactly with the 10-year Treasury every single day, but it is one of the strongest indicators of where mortgage pricing may be heading.

Right now, higher Treasury yields, inflation concerns, government debt, and global uncertainty are creating volatility in the market.

🔴 So, does this automatically mean mortgage rates are going to 8%? No one can promise that. But it does mean buyers should stay prepared and work with a mortgage professional who understands how to monitor the market and recognize opportunities.

💥Don’t let a headline scare you out of buying. Let’s review your numbers, your payment, and the options that make sense for you.

I’m Sunny Fonseca, your local mortgage advisor I’m here to help you understand the market, not fear it.

09/23/2026

🚨ATTENTION, NEW GUIDELINE🚨

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

Let’s talk about rates actually, let’s talk about your future. 🏡 You don’t need the dream house to start building toward...
09/20/2026

Let’s talk about rates actually, let’s talk about your future.

🏡 You don’t need the dream house to start building toward it.

Your first home may simply be the stepping stone that helps you build equity, create stability, and move closer to the home you’ve always imagined.

Homeownership is about more than one interest rate—it’s about the keys you’ll be holding, the memories you’ll create, and the future you’re building.

Curious about your options? Let’s talk. 🤍

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☎️ 305-877-3451

🏡 DON’T WAIT MORE BUYING POWER MAY ALREADY BE HERE!Even though the official 2027 conforming loan limits haven’t been r...
09/19/2026

🏡 DON’T WAIT MORE BUYING POWER MAY ALREADY BE HERE!
Even though the official 2027 conforming loan limits haven’t been released yet, we’re currently honoring increased estimated 2027 loan limits on eligible Conventional and VA loans. 🙌

✨ New estimated 1-unit loan limit: $847,440
Previously: $819,000

Updated estimated Conventional limits are also available for multi-unit properties:

• 2 Units: $1,085,059
• 3 Units: $1,311,535
• 4 Units: $1,630,005

This could mean more purchasing power and more financing options for buyers without having to move into jumbo loan territory.
📲 Thinking about buying or want to know what this could mean for your budget? Message me and let’s run the numbers.

Sunny Fonseca
Loan Officer | NMLS 395983

Official 2027 FHFA limits have not yet been announced. Figures shown are estimated/early limits being honored by the lender and are subject to program, county, eligibility, and underwriting requirements.

VA borrowers must have full entitlement to use the expected limits.


09/18/2026

🏡 Higher mortgage rates don’t always mean you have to sit on the sidelines.

When rates rise, buyers may actually gain something they haven’t had in a while: NEGOTIATING POWER. 👏

One strategy I’m talking to my buyers about is asking the seller for credits that may help reduce the cost of your mortgage.

Those credits can potentially be used toward:

✨ A permanent rate buydown — paying upfront to lower your interest rate for the life of the loan.

✨ A temporary buydown — such as a 1-0, 2-1, or 3-2-1 buydown, which temporarily reduces your payment during the first few years.

For example, with a 2-1 buydown, your rate could be reduced by 2% the first year and 1% the second year before returning to the full note rate.*

The key? Don’t just look at the interest rate. Look at the entire opportunity.

The right negotiation and the right loan strategy can make a BIG difference in your monthly payment. 🔑

Before you decide to wait, let’s run the numbers and see what options are available to you.

📲 DM me “BUYDOWN” and let’s talk.



*Temporary buydown availability and qualification requirements vary by loan program. Buyer must generally qualify using the full note rate.

09/16/2026

Portability can allow eligible homeowners to transfer some or all of their Save Our Homes benefit from a previous homestead to a new one.

That can make a BIG difference in your taxable value — but there are rules, deadlines, and limits to know.

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

09/14/2026

Who are you agreeing with on this one? 🙃
DROP YOUR COMMENT BELOW⬇️

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

09/13/2026

“If you’re waiting for the Fed to cut rates before buying a home, you need to hear this.”

🚨 Waiting for the Fed to cut rates before buying a home? Read this first.

One of the biggest misconceptions I hear is that the Federal Reserve directly controls mortgage rates.

It doesn’t.

Mortgage rates are heavily influenced by the bond market, especially the 10-year Treasury. So even if the Fed cuts rates, that does NOT automatically mean mortgage rates will drop overnight.

What should we really be watching?

Inflation.
Treasury yields.
Employment data.
Energy prices.
The overall economy.

When inflation starts cooling and Treasury yields consistently move lower, that can create a much better environment for mortgage rates. 📉🏡

So instead of trying to perfectly “time” the market, let’s look at YOUR numbers and create a strategy based on the opportunities available today.

You can always refinance the rate later — but you can’t go back and buy yesterday’s house at yesterday’s price.

📲 Have questions about buying, refinancing, or what today’s market means for you? DM me.

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Fort Lauderdale, FL

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

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