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Your One-Stop Real Estate Team

Buying or selling a home takes work. As a team with decades of experience, Dayana Cervantes, Realtor, and Susannah Broegler, Mortgage Lender, can help you easily navigate the process. Whether you’re a first-time homebuyer, relocating veteran, or just looking to upgrade your house, our combined skills and experience can help you simplify the process.

This power team of Realtor and Loan Officer makes home buying so much easier. 

Who can we help?

  • First-time home buyer
  • Retired or active-duty military looking to relocate or upgrade, or downsize
  • Real estate investment buyers
  • Second-home or vacation home buyers
  • Retirees looking to downsize and simplify their lives
  • LGBTQ Buyers who are trying to navigate the often complicated world of mortgages
  • Self-employed or non-traditional buyers
  • Growing families that have outgrown their current space
  • Anyone looking to convert rent payments into investments for their own wealth
  • And, of course… dog lovers 🐾 
Apply NOW

What Makes Us Different

  • Super Dedication and Hard Work: Our dedication and strong work ethic set the foundation for exceptional service. We go the extra mile to ensure our client’s real estate needs are met and their expectations exceeded.
  • Military Community Representation: As members of the military community, we deeply understand the unique challenges and needs of military homebuyers. We are passionate about assisting military personnel and their families in finding suitable housing solutions near their duty stations. 
  • Advocacy for LGBTQ Community Rights: We pride ourselves on advocating for LGBTQ rights and inclusivity. Our team is committed to providing a safe and welcoming space for all clients, irrespective of their sexual orientation or gender identity. 
  • Compassion for Dogs through Compact Canine Rescue: Beyond our real estate endeavors, we are dedicated to positively impacting dogs’ lives. Our involvement in Compact Canine Rescue reflects our love and compassion for these loyal companions, actively working to find them forever homes. 
  • Client Appreciation and Community Giving: We believe in the power of gratitude and giving back to the community that supports us. Showing genuine appreciation for our clients and their trust in us is a cornerstone of our approach.

Furthermore, we take pride in actively contributing to community initiatives whenever possible.

Our unique blend of dedication, representation of diverse communities, compassion for animals, and community involvement forms the backbone of our real estate practice. By combining these standout qualities, we create an experience that goes beyond the transactional, fostering lasting relationships with our clients and positively impacting the communities we serve.

What Type of Mortgage is Right for You?

There is no “right” answer to the question “Which type of home loan is best?“. No two home buyers are the same, so it’s up to you and your loan adviser to choose the mortgage program that works best for you.

Today’s buyers are fortunate to have access to a wide variety of loan options. Below, you can explore the most popular types of home loans to see which one might be best for you. At the end of the day, you want an affordable mortgage payment and interest rate. How you get there is secondary.

FHA Loan

Is a government regulated loan that is a great loan for first time buyers, although you do not have to be a first-time buyer. The loan only requires 3.5% down payment and allows for a lower credit score than a conventional loan. FHA loans offer good rates but do involve an upfront Mortgage Insurance Premium (1.75%) that can be rolled into the loan. The loan also requires monthly mortgage insurance for the life of the loan. The Debt-to-Income ratio maximum is higher on an FHA than a conventional loan. The FHA loan limit is currently $472,030 on a single-family home. This loan allows seller concessions and gifts, restrictions apply.

VA Loan

Is loan specifically for persons who serviced in the military and requires documentation called a Certificate of Eligibility to qualify. The loan offers 100% financing, meaning no money down but the buyer will need to pay a Funding Fee. Disabled veterans are exempt from the funding fee. The fee is also allowed to be rolled into the loan. VA loans must be owner occupied and the primary borrower must be the veteran. Co-borrowers are allowed however, they must be either a spouse or a veteran themselves. This loan allows seller concessions and gifts, restrictions apply.

Conventional Loan

Is a government regulated loan, it’s generally for more established borrowers with good credit. The loan requires 5% down payment but there are some conventional programs that allow for a 3% down payment. Conventional loans generally have higher rates than FHA loan, however there is no upfront MIP. Also, on a conventional loan, monthly mortgage insurance ends automatically when you reach a Loan-to-Value ratio of 78% The current limit on a conventional loan is $726,200 on a single-family home.This loan allows seller concessions and gifts, restrictions apply.

Non-QM Loan

Is NOT a government regulated loan. It is generally through private investment groups. The requirements to qualify for these loans will vary by company. These are loans generally utilized by self-employed buyers, independently wealthy and 1099 buyers. They are based on bank statements, credit report and assets and don’t generally involve Debt-to-Income ratios. These loans are good options for buyers with unique financial situations.

Meet Us

Our Passions

Aside from finding the right home, with the right financing for the right person or family, we have another cause that is near and dear to our hearts: Rescuing Dogs.

Compact Canine Rescue is a network of volunteers committed to rehabilitating small dogs and rehoming them with forever families on the East Coast of the United States. We are passionate about promoting responsible pet parenting and educating the public on what makes dogs healthy and happy.

Dayana Cervantes

Dayana Cervantes

Realtor

Hey there! I’m Dayana Cervantes, and I couldn’t be more thrilled to share a glimpse of my life with you. Originating from beautiful Bulgaria, I made the bold move to the US six years ago, seeking new adventures and opportunities.

Today, I proudly serve as a Realtor with the 757 Real Estate Team, powered by Creed Realty, in both Virginia and North Carolina. 

Helping clients find their dream homes and witnessing their joy is incredibly rewarding.

Besides my passion for real estate, I have a loving family – my husband, who serves in the Navy, and our adorable trio of Great Pyrenees dogs. They bring so much happiness to my life!

Life’s a journey, and I’m embracing every moment of it. From Bulgaria to the US, from personal aspirations to professional success, I’m grateful for each step that brought me here.

 

Susannah Broegler

Susannah Broegler

Loan Officer: NMLS 2259819

I’m Susannah, a Hampton Roads native and Norfolk resident. My wife Sara, a Navy veteran, and I have a pack of rescue pups and a constant flow of foster babies.  

I’m a Virginia Tech graduate and a die-hard Hokie fan. I’m also the founder and president of Compact Canine Rescue.

I’ve been in sales for over twenty years and joined American Financial Network in 2022.  

It is very rewarding to help folks achieve the dream of home ownership. I’m financing loans and forever homes! With 10% of every commission going to Compact Canine Rescue.  

I look forward to helping you with your lending needs and, at the same time, helping a dog in need.

Compact Canine Rescue

Compact Canine Rescue is a 501(c)(3) nonprofit organization based in the mid-Atlantic region of the US. We are dedicated to rescusing small dogs through in-home fostering. Our volunteer network ensures all animals in our care are paired with living forever families. 

To learn more about Compact Canine Rescue and how you can help, visit their website or check our links below.

Foster

Foster parents nurture our dogs until they find their forever family.

Become a Foster
Lend a Paw

Join an amazing group of people dedicated to saving small dogs.

Volunteer
Adopt

Ready to adopt? We rescue dogs up to 20 pounds. Learn more and apply!

Apply to Adopt

What our client says

Susannah answered all my questions and concerns and was always available to do so. She was very professional and prompt with any inquiries that I had.
Christine Bishop
Not only Dayana a great realtor but, she goes above and beyond for her clients. She has ultimately made my house buying and moving from California a breeze. I would give her 10 starts if it was allowed. She is my forever referral if anyone needs a Relator in VA. ABSOLUTELY THE BEST PERSON AND RELATOR.
Erika Buie
Dayana is the absolute best agent and professional in any arena that I have had the experience to be able to work with. Her patience, tenacity, attention to detail, kindness, knowledge, hustle, honesty, and personality sets her apart. She took off a lot of the stress of finding a home for my wife and I; and not only do we feel like we met a realtor who we will recommend to ANYONE, we made a friend. She has been and is a gift to my family.
Demetre Ferrell
Susannah made the whole process for us first time home buyers easy, smooth and stress-free. Thank you so much!
Monique Fleming
How Can We Help You With Your Home Buying Needs - Whether it's Purchasing or Financing - We Can Help.
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American Financial Network

American Financial Network, Inc.
249 Central Park Avenue Suite 300, Office #187 Virginia Beach VA 23462

Eagle Branch · NMLS# 2259819; Equal Opportunity Employer; California BRE License # 01317581; Equal Opportunity Lender

Eagle Branch · NMLS# 2259819. American Financial Network, Inc. is licensed by the California Department of Financial Protection and Innovation under the California Financing Law License (6038771) and holds a CA Bureau of Real Estate, Real Estate Broker’s License (01317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 237341. Broker is performing acts for which a license is required. Loans made or arranged pursuant to California Financing Law. Refer to www.nmlsconsumeraccess.org and input NMLS #237341 to see where American Financial Network, Inc. is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 92821; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. American Financial Network, Inc. is an Equal Housing Lender.

 

757 Real Estate Team powered by Creed Realty

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