Dave Mumbauer Mortgage Guy NMLS# 1684225

09/27/2026

Realtors, you don’t have to let financing questions slow your buyer down.

Loop me in early, and I'll help them understand what's available and what fits their situation. Let’s make financing one less thing to worry about. 🤝

👉 Have a buyer with questions? I'm here.



NMLS # 1684225 | Cornerstone First Mortgage, LLC NMLS # 173855

09/25/2026

09/25/2026

New debt can change your loan approval.

Opening a credit card, financing furniture, buying a car, or taking on a new monthly payment can affect your debt-to-income ratio and the loan you were approved for.

Before you make any financial moves during the mortgage process, check with your lender first.

DM me if you want help staying on track. 📲



NMLS # 1684225 | Cornerstone First Mortgage, LLC NMLS # 173855

09/25/2026

⭐️⭐️⭐️⭐️⭐️
Be “of service” to those around you. Clients, teammates, partners, vendors, providers… and row in the same direction.

09/23/2026

2027 Conforming loan limits released to lenders!

09/23/2026

Pre-qualification and pre-approval are very different.

A pre-qualification is usually a first look at your financial picture to help you understand what may be possible.

A pre-approval typically goes deeper by reviewing credit, income, assets, documents, and loan details before you start shopping.

I can go one step further and underwrite ahead of contract- and issue an underwriter loan commitment letter! 🏡

DM me and let’s get your buyers prepared.



NMLS # 1684225 | Cornerstone First Mortgage, LLC NMLS # 173855

09/21/2026

Realtors, buyers are coming into the process with AI answers, online calculators, and mortgage advice they found online.

That is not a bad thing.

It gives us a chance to start the conversation and help them separate general information from buyer-specific guidance.

Loop me in so we can give them a clearer next step. 📲



NMLS # 1684225 | Cornerstone First Mortgage, LLC NMLS # 173855

09/19/2026

The mortgage process can feel like a lot at first, but it really comes down to six simple steps:

1️⃣ Application
2️⃣ Documentation
3️⃣ Pre-approval
4️⃣ Finding a home
5️⃣ Loan processing
6️⃣ Closing

Save this as your quick homebuying guide.



NMLS # 1684225 | Cornerstone First Mortgage, LLC NMLS # 173855

09/18/2026

09/18/2026

Mortgage time-saving checklist:

1. Do not open new credit cards.

2. Avoid moving large amounts of money unless you have documentation.

3. Start gathering your financial documents early.

A smoother mortgage process usually starts before you are under contract. The more prepared your file is upfront, the fewer last-minute questions we may have to chase down later.

DM me if you want help getting organized. 📲



NMLS # 1684225 | Cornerstone First Mortgage, LLC NMLS # 173855