I love sharing my mortgage expertise and insights with New American Funding clients and my readers here on Sonoma County Mortgages. Video is another great way for me to offer mortgage information and tips, and to really show my passion for helping families finance their future homes! I hope these video tips can help you - and if you need more help, call my office at (707) 217-4000 anytime!
We are looking for an experienced, energetic, fun and dynamic individual to join our Santa Rosa Branch for New American Funding.
This person would be have specific recent mortgage experience, know the loan business including guidelines and be willing to go the explore mile. If you know someone like that please feel free to message me.
@nafmidpacificregion
@stylemyheart @newamericanfunding #talent #hiring #fun #talent #looking #team #crew #building #family #santarosa #sonomacounty
Every family we meet with gets this super handy packet. We like families to have something tangible when it comes to financing a home. You won't find this type of service with a Rock Loan company or an internet lender...🤔 @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo #family #team #value #rates #mortgage #goals #homes #realestate
My little sweet pea loved the award dad earned for having a record year. #families
#mortgage #kids #family #team #goals #success #year #2019
@nikki___perfectly_imperfect83_ @_gorjessxo @nafmidpacificregion @nafsantarosa @tinalsheldon
A few motivators in my life and and support system to stay focused 👍
@newamericanfunding @nafmidpacificregion @tinalsheldon @nafsantarosa
#goals #numbers #family #success #loans #homes #books #figures #growth #market #neverquit #mortgages #happen #naf360 #teamwork #people
We had great time hosting our Grab & Go Thanksgiving Pie event tonight for our everyone we're thankful for. Took a few pies to the face too. HAPPY THANKSGIVING 🦃
@nikki___perfectly_imperfect83_ @_gorjessxo @stylemyheart @patty.arvielo.naf @nafmidpacificregion @mortgage #thanksgiving #gratitude #team #partners #clients #friends #families #fun #pie #silly #why #goodsport
Mortgage rates are sizzling right now. Here is how the opportunities in the market my affect your bottom line.
@mortgage @nafmidpacificregion @nafsantarosa #mortgage #family #realestate #homebuying
The FHA just came out with information pertaining to cash out refinances. For all FHA case numbers issued September 1st or after the FHA will be limiting all cash out refinances to 80% loan to value. This is a 5% reduction in LTV from current FHA Loans which allow for 85% ltv for owner occupied cash out refinances. If you're thinking about getting an FHA Cash out refinance loan for your home now is the time to apply.
@mortgage @nafmidpacificregion @nafsantarosa
#refinance #cashout #loans #fha #debt #hurryup #families #guidelines #government
Did you know that if you are a W-2 employee trying to qualify to get a mortgage, you need not provide tax returns or tax validations? Its true. To be eligible you can't be using any other income source to qualify only your straightforward W-2 wages from a company that you do not own. Who you use for a loan matters🤔
@mortgage @newamericanfunding #loans #mortgages #rates #family #technical #4506 #guidelines #taxes
How do you know the mortgage professional you select to handle your home financing needs is going to be accountable to doing what they say they're going to do when they say they're going to do it? You might want to put a prerequisite for selecting a lender to have at least 10 or more recent reviews ready to go upon request. Some food for thought when looking a buying or refinancing a home🤔. @mortgage @nafmidpacificregion @pattyarvielo @nikki___perfectly_imperfect83_
#family #mortgage #feedback #accountable results #trust #integrity
Pop quiz- how much money do you have to work with for a down payment? "15% down ." BUZZ Wrong Answer
15% down or any percent down for that matter is directly in proportion to purchase price. The right answer should be a $$ amount. 15% down on a $400,000 house ain't the same as 15% down on a $500,000 house. Give the lender a dollar amount you have to work with. Doing so will make make it more transparent for everyone. 👍
@mortgage @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo
#family #loans #purchasingpower #borrow #money #realestate #mortgage #debt #cash #homes
Been watching mortgage rates lately? Rates are creating tons of opportunity for folks where the net tangible just was not there a month ago. Lower mortgages result more borrowing power and lower payments easing the strain on the pocket book.What's your mortgage rate?
@newamericanfunding @nafmidpacificregion @nikki___perfectly_imperfect83_ @_gorjessxo
#mortgage #team #debt #payments #loans #families #info #homes #realestate #refinance #purchase #win
Did you know that you can purchase a house with less than 20% equity and not have monthly PMI? You can elect to have the PMI paid for one time in the form of cash or financed in the loan and avoid the monthly PMI entirely. This can benefit you tremendously when buying a home as it increases your borrowing power while giving you the lowest possible monthly payment. In many cases it's almost equivalent to having a 20% down payment without actually having 20% down. Your lender doesn't know about it? Get a second opinion.👍👨💼 Note: conventional loans only
_________________________________
@mortgage @newamericanfunding @nafmidpacificregion
#families #realestate #agent #rates #homebuying #purchasingpower #payment
Here are some things to consider when picking a mortgage professional. Just because you read it on the internet does not necessarily mean it automatically pertains to you. Moral of the story? Work with an experienced professional👨💼 Repost from @prospermoves 👍@mortgage
How to pick a lender can vary on multiple different things. One thing that stands the test of time is you have to be willing to let that lender go through their process so they can determine how they can help you. Asking how much you qualify for without going through the process is like learning how to drive without steering the car.
__________________________
@mortgage @newamericanfunding @nafmidpacificregion #mortgage #numbers #pencil #cash #credit #budget #piti #payment #down #crunching #homes #family #realestate #ca #sonomacounty #santarosa
Gang we have a really flexible bank statement program that does not need tax returns for income to qualify. Rates are quite low for the program as well. Just as little as 1year or 6months bank statements ...this program by and large is incredibly flexible and makes sense. Who is gonna buy a home?
@newamericanfunding @nafmidpacificregion @pomponioexpress @nikki___perfectly_imperfect83_
It makes a big difference on where you go for a home loan. Not all lenders are created equal. Don't fall prey to the online space. Work with a seasoned pro who help align your goals with the right programs. #lending
@mortgage @nafmidpacificregion @newamericanfunding
#homes #online #rates #home #realestate #agent #loans #programs #firsttimebuyer #broker #plan #finance #budget #credit #banks
This one is big. When you apply to borrow mortgage pay close attention to your payment to income ratio. Car leases are not a simple as paying off the reported balance. It's the total balance of the car you need to pay off to omit the debt. Unlike a traditional car loan with a set balance a lease involves the residual and the total balance. Paying off debt to qualify when you have a car lease can be super tricky. Word to the wise? Avoid car leases. Stick to a car loan or better yet buy the car with cash.
____________________________________________________#loans #mortgage #unique #homes #borrowing #finance #tip #debt #income #house #realestate #families #tough #credit #cash #homebuyer
@newamericanfunding @nafmidpacificregion @nikki___perfectly_imperfect83_ @mortgage
We receive this question on a weekly basis. What is the best credit score I need to get for a conventional mortgage in terms of cost? Here's the magic answer that question it's 680 or higher. Be smart when you're looking for financing. Don't be fooled by someone giving you bs.
__________________________________________________________________
#mortgage #loans #family #realestate #credit #debt #income #finance #progress #consult #care #borrow #money #👫 #👍 @nafmidpacificregion @newamericanfunding @nikki___perfectly_imperfect83_ @stylemyheart @mortgage
Are you a submarine home buyer? Do you know someone who is? Keep the communication open while working with your agent and lender. The key to any successful home purchase is directly correlated to clear communication.
__________________________________________________________________
#mortgages #rates #homebuying #home #realestate #loans #programs #sonomacounty #firsttimebuyer #submarine #teamwork #search @newamericanfunding @nafmidpacificregion @mortgage
Got a less than perfect credit score? I hear all the time you need a 620 score to get an FHA Loan. Well that's just simply not true. @mortgage @newamericanfunding @nafmidpacificregion #santarosa #fha #mortgage #families #rates #options #choices #better #lending
