Welcome

Hi, I'm Sandi Van Syckle

I'm a licensed Mortgage Broker and REALTOR® proudly serving homebuyers across Maine. As the owner of VS Mortgage Lending and an Associate Broker with Realty of Maine, I offer a unique advantage — I can help you find your home and finance it, all in one place.

Whether you're a first-time buyer, looking to move up, or ready to refinance, I'm here to guide you every step of the way. I work with dozens of national lenders to find you the best rate and program for your situation.

Loan Programs

Find the Right Fit for You

Most Popular

Conventional Loans

Flexible loan options with competitive rates for buyers with solid credit. Down payments as low as 3% with no upfront mortgage insurance premium.

✦ As low as 3% down
Low Down Payment

FHA Loans

Government-backed loans designed to make homeownership accessible. Ideal for buyers with lower credit scores or limited savings for a down payment.

✦ 3.5% minimum down
Veterans & Military

VA Loans

Exclusive benefit for eligible veterans, active-duty service members, and surviving spouses. No down payment required and no private mortgage insurance.

✦ 0% down, no PMI
Rural & Suburban

USDA Loans

100% financing for eligible properties in rural and suburban Maine. A great option for buyers who qualify and want to avoid a down payment entirely.

✦ 100% financing available
Special Programs

First-Time Homebuyer

Dedicated programs with down payment assistance, reduced rates, and educational resources to help first-time buyers navigate the process with confidence.

✦ Down payment assistance
Lower Your Rate

Refinancing

Whether you want to lower your monthly payment, shorten your loan term, or tap into your home's equity, Sandi will find the right refinance strategy for you.

✦ Rate & cash-out options
High-Value Homes

Jumbo Loans

Financing solutions for luxury and high-value properties that exceed conventional loan limits. Competitive rates with personalized underwriting.

✦ Above conforming limits
Build Wealth

Investment Property

Expand your real estate portfolio with tailored financing for rental properties and investment homes. Sandi's dual REALTOR® and broker expertise gives you an edge.

✦ Portfolio & rental loans
Tools

Estimate Your Monthly Payment

Use this calculator to get a quick estimate. For a personalized rate quote, reach out to Sandi directly.

$350,000
$100K$1.5M
10% — $35,000
0%50%
6.75%
2%12%

Estimated Monthly Payment

$2,043

Principal & Interest only

Home Price$350,000
Down Payment$35,000 (10%)
Loan Amount$315,000
Loan Term30 years
Interest Rate6.75%
Get a Personalized Rate Quote →

This calculator provides estimates for informational purposes only and does not constitute a loan offer or commitment. Actual rates and payments will vary based on credit profile, lender, taxes and insurance, and market conditions. NMLS #2321859.

Ready to get started?

I'm available 24/7 — not just 9 to 5.