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Today we are going to talk about what’s happening with interest rates. Last week was the ever-important payroll report which showed 213k jobs added in June versus the 195k that was expected. Read More
Sometime during their tween years, children often discover their inner entrepreneur. When they do, it creates an opportunity for parents who want to ween their children off allowances and encourage them to take on more responsibility for their own expenses. Read More
Preparing to take the biggest test of your life, you study extra hard and get a good night’s sleep before the big day. Preparing for a job interview, you research the employer and you show up on the big day at least 10 minutes early. Read More
For the second year in a row, New American Funding has been named one of the Best Workplaces for Millennials by Fortune and Great Place to Work®. The Southern-California based mortgage lender ranked #63 in the nation for 2018. Read More
If you’ve been seriously shopping for a home, then you no doubt have some idea about the house and neighborhood you can afford and the money you want to put toward a down payment to keep your monthly payments manageable. And it’s likely that during your search you’ve allowed a few compromises to creep into your thinking to make your homeownership dream come true, perhaps persuading yourself that adding 15 minutes to your commute in exchange for a bigger house wouldn’t be the end of the world. Read More
The statistics are sobering, if not staggering. Since 1980, wages have grown by only 25%, while the median home value has risen 60%. Read More
New American Funding placed 39 Loan Originators in the annual Top 250 Latino Mortgage Originators Report issued by the National Association of Hispanic Real Estate Professionals (NAHREP®), in association with RADIAN®. That total ranked No. Read More
Today we are going to talk about what’s happening in the capital markets. Last week was another FOMC meeting where they raised the Fed Funds rate to the range of 1. Read More
Have you decided to buy a home? One of the challenges you may face will not just be finding a home you like, but also beating out all the other home buyers who like it and want to make an offer on it, too. Check out this latest infographic for tips on how to buy in a seller's market. Read More
New American Funding, a leader in the mortgage industry, is expanding its territory across the Greater San Fernando Valley with the grand opening of its Van Nuys branch. The new location, which is on 16600 Sherman Way, Suite 100, will celebrate with a ribbon-cutting ceremony on Wednesday, June 20 at 4:30 PM PDT, along with the Van Nuys Chamber of Commerce and Congressman Tony Cardenas. Read More
Front porches were a common feature in American homes up until the early 1900s. In a world before air conditioning, they offered a retreat from both rainy and hot weather by providing protection, shade, and, often, a welcomed cool breeze. Read More
Getting to know all the people who will join you for all or part of your homebuying journey is like meeting new people on the first day of school or the first day at a new job. There will be a lot to process, which alternately will prove exhilarating and overwhelming. Read More
Are rates going up or are they going down? The truth is, no one can be certain which direction they’re headed. While many investors and rate-watchers believe they can time the market to get the lowest interest rate possible, dart throwing with a blindfold typically proves just as accurate. Read More
As the gates swing open into a perfectly maintained neighborhood and your car winds its way past the common area, clubhouse, and perhaps even a pool and playground equipment, the appeal of living in this ideal neighborhood will probably become obvious before you ever reach the house you plan to walk through. While such amenities can greatly enhance a home and its value, they do add an extra layer of expense to living in the community. Read More
Hello everyone and welcome back to the Mortgage Rundown. Today we are going to talk about what’s happening in the capital markets. Read More
There are major differences between what is considered “good” debt and “bad” debt. To help  you understand the difference, it is important to be able to differentiate between wants and needs. Read More
For the sixth year in a row, national mortgage lender New American Funding made Scotsman Guide Top Mortgage Lenders list. The California-based company was ranked among entries from hundreds of mortgage companies across the country in the following categories: -        Top Overall Volume: #15 -        Retail Volume: #9 To view Scotsman Guide’s residential rankings visit: https://www. Read More
As temperatures begin to warm up in most parts of the country, especially in areas where the weather may have had you cooped up for several months, yards, decks, and patios can feel like you've found extra rooms in your home. Whether it's an upper deck off a bedroom that can now serve as a cozy spot to start the day or a patio you can use as a second dining or family room, it's time to look at how you’ll use your outside spaces to get the most out of them this season. Read More
Becoming a homeowner comes with paperwork. In addition to the documents you need to close your mortgage agreement and take title to your new home, there are a few others you should consider preparing or updating once you move in. Read More
Recently retired, you’ve sold your home at the top of the market, you’re flush with cash from all the home equity you’ve realized, and now but one question remains: Where are you going to live next? A thousand thoughts dart around in your head: “There was that charming little town we visited on our vacation last year,” “We want to be close to the grandkids,” “We want to live in a place where our money will go further. ” You haven’t faced this many choices since you were a freshman in college trying to decide between majoring in psychology or pre-med. Read More
With their open layouts, attached garages, and, generally, single-floor design, ranch-style homes began popping up in the 1930s and quickly grew in popularity until the 1980s, as the move toward McMansions took hold. However, a recent report by Trulia shows the popularity of these homes, also known as “California ranch style” and “ramblers,” is on the upswing again, with many homebuyers opting to head back to the ranch. Read More
Owning a home can be a huge responsibility, especially for a new homeowner. Moving in and making repairs and improvements can be overwhelming. Read More
When buying a home, your focus is often on getting the deal done with as low a down payment as possible. While that’s a savvy move, it can come with the added expense of a monthly insurance premium when you purchase with a down payment that’s less than 20 percent. Read More
As a Real Estate Agent, your days can be busy and unpredictable. Often, your car doubles as your office. Read More
Mortgage rates can fluctuate from day-to-day. Wondering what's driving those rates higher or lower?     Let's take a look. Read More
By now, if you’ve been exploring various financing options for purchasing a home, you’ve probably encountered enough acronyms and abbreviations like ARM (adjustable rate mortgage) DTI (debt-to-income ratio), PMI (private mortgage insurance), and VA (Veterans Administration) to make your head spin. While the mortgage industry admittedly uses a great deal of shorthand to do its work, it’s vital that consumers try to unpack the jargon as much as possible, so they can better understand the loan process, and, ultimately get the best loan for their situation. Read More
In many ways, getting a good deal in real estate is no different than buying mattresses or big screen TVs on sale. Savvy shoppers, who do their homework, know what, when, where and how to buy to get the best bargains. Read More
American homeowners are expected to spend close to $340 billion on home improvements and repairs in 2018. A critical step in making those improvements a success is hiring the right contractor. Read More
Today we are going to talk about what’s happening in the capital markets. The FOMC meeting came and went last week with little change in the Fed’s stance of 3-4 interest rate increases for 2018. Read More
Mother’s Day and flowers go hand in hand. In fact, it beats Valentine's Day for floral sales. Read More
If you’re running up against multiple offers from well-qualified and all-cash buyers, the last thing you want in your offer is a 30-to-60-day escrow.   Your offer in today’s fast-moving market simply won’t be relevant. Read More
For a third consecutive year, New American Funding has received multiple Stevie® American Business Awards, including a Stevie® gold as “Company of the Year. ”  The prestigious awards annually recognize the achievements of businesses and working professionals throughout the U. Read More
You hear almost every day, especially from millennials and first-time homebuyers, that’s it’s almost impossible to buy a house today.   And while it’s true that wages are struggling to keep up with housing prices, it wasn’t necessarily a picnic for your parents or grandparents either to purchase a house when they were just starting out. Read More
New American Funding, a leader in the mortgage industry, is expanding its Southern California territory with the grand opening of a new location in Indio. The branch, along with the Greater Coachella Valley Chamber of Commerce, will celebrate with a Cinco de Mayo themed ribbon-cutting ceremony on May 3 at 4 PM PST. Read More
Hello everyone and welcome back to the Mortgage Rundown. Today we are going to talk about what’s happening in the capital markets. Read More
As a Loan Officer, helping clients prepare for retirement typically isn’t part of the job. However, you could indirectly make retirement more affordable for many people. Read More
“Location, location, location” has been a phrase that’s been in use since at least 1926, according to The New York Times, but its relevance to homebuyers may be even more important in 2018. That’s because with shrinking inventory and steadily rising housing prices, many homebuyers are finding it harder to move into their “dream” home that fits their budget. Read More
As the inventory of new and existing homes for sale tightens, you can find yourself looking at too many properties within your price range that do not meet your criteria or fighting the urge to step up into a higher price range in hopes of finding the perfect home. Meanwhile, you may have noticed that there are homes languishing on the MLS that seem well priced but are in serious need of updating. Read More
One reason to invest in real estate is asset appreciation. Even if a property has been neglected or abused, it is likely to rise in value. Read More
Today we are going to talk about what’s happening in the capital markets. On March 21st the Federal Reserve met and raised the benchmark rate by 25 basis points. Read More
A sure way of attracting the attention of a seller, especially in a hot housing market, is to make an all-cash offer. After all, it eliminates any suspense about your ability to close the deal. Read More
As you head toward your closing date, one of the most helpful things you can do to prepare for homeownership is to make sure you are properly equipped. With the right tools, you can literally nail this home owning thing on the first try! Tape Measure and Level A tape measure and level will come in handy for centering and leveling shelves, hanging pictures, and installing curtain rods. Read More
As a Real Estate Agent, meeting new people is one of the fun parts of the job. However, when you find yourself in strangers’ homes and in the company of clients you may have only recently met, it can still help to be proactive. Read More
When considering homeownership, one of the most important decisions you'll have to make  is how to handle the down payment. Down payments can be challenging, but they can be doable if you set a goal for yourself. Read More
Any day is a good day to reduce your outstanding balances. This especially true given that most American workers’ take-home pay recently rose as new, lower tax brackets took effect. Read More
The care and attention you show your lawn, flowers, vegetables, or other landscaping plants can draw more than the appreciation of your neighbors. It can also make them quite inviting to hungry rabbits, not to mention deer, field mice, moles, cats, and raccoons. Read More
Hello everyone and welcome back to the Mortgage Rundown. Today we are going to talk about what’s happening in the capital markets. Read More
With the economy strengthening throughout 2017 and general expectations for it to continue to be healthy, it’s believed that the Federal Reserve Bank (Fed) will increase interest rates during 2018. The increases are expected to be small and are being done to bring the overall level of short-term rates back to what is considered by economists as a "neutral position. Read More
While March 23 is National Puppy Day, any day you find yourself looking into a pair of adoring brown eyes and see a wagging tail has the potential for being a day to celebrate puppies. It's just as likely to also be the day you open your home to a new family member. Read More
Hello everyone and welcome back to the Mortgage Rundown. Today we are going to talk once again about what’s happening with interest rates. Read More
SocialSurvey, an online reputation management service, has announced that 16 Loan Officers from New American Funding ranked in the Top 100 Loan Officers for Customer Satisfaction, which is the most representation from any mortgage company in the nation. New American Funding’s Amber Ernst tied for the #1 spot, Johnny Dykes ranked in the Top 10, and New American Funding won the award for Top 10 Large Mortgage Company for Customer Satisfaction. Read More
When it comes to gated communities, clients can harbor a number of misperceptions about the benefits this type of housing offers versus its price. Whether they are sold on the concept or opposed to it, a reality check is likely in order. Read More
Many young adults dream of making the switch from renting to owning a home. When these aspiring homeowners are also your kids, it's only natural to want to help. Read More
As you start prepping to move from your current residence to your new one, include your pets in the process since these family members tend to like familiarity. To minimize their stress levels and maximize their comfort in the face of this big change, here are some things to keep in mind as you make the big move. Read More
Today we are going to talk once again about what’s happening with interest rates. The 10yr Treasury is floating right around 2. Read More
Let’s face it…we all have dirty laundry, literally. Whether it’s something you do weekly—or, for some families, daily—having a dedicated and organized laundry room in your home makes it easier to get the job done. Read More
Whether you are already a homeowner or thinking about buying your first home, the new tax laws—officially known as the Tax Cuts and Jobs Act (TCJA)—will challenge how you think about your home loans, especially your Home Equity Line of Credit (HELOC). What Changed In addition to flatter tax brackets, TCJA eliminates many popular deductions for individual taxpayers, and puts new limits on those that remain. Read More
If you are like many U. S. Read More
After the ink dries on your closing agreement and you test the keys in the lock, it’s time to face the prospect of turning that now empty house into your next home. So, how do you satisfy your champagne decorating tastes on what’s likely to be the diet cola budget you have left? Here are some pointers on how to fill your home with furnishings while holding onto what’s left of your nestegg. Read More
Welcome back to the Mortgage Rundown. Today we are going to talk what’s happening with interest rates. Read More
Ready to get serious about homeownership? Then it’s probably time to start saving for a down payment. While down payments can seem like a challenge, they are really like any other goal you set for yourself, doable. Read More
Did you fall in love with your home at first sight?  For many homebuyers, the first step through the door seals the deal. They just feel right…at home. Read More
Many of us avoid budgets. Maybe it’s the name, or perhaps the assumption that being on one requires giving up the things we want. Read More
Debt is one of those things that can be both hard to live with and hard to live without. Many of us choose the former. Read More
It used to be that the type of home you had determined the type of dog you chose. Today, the reverse is increasingly true. Read More
Whether you are already a homeowner or thinking about buying your first home, the new tax laws—officially known as the Tax Cuts and Jobs Act (TCJA)—will challenge how you think about the cost of homeownership. What the TCJA should not change is the reason you choose to own a home, which is more likely to involve quality-of-life and wealth-accumulation goals rather than your tax bill. Read More
In many parts of the country, potential homebuyers have encountered a low number of homes for sale. According to many real estate analysts, the situation is unlikely to improve any time soon, as more Millennials decide they are ready to make their move into homeownership. Read More
NerdWallet has named New American Funding a two-time winner in its annual Best-Of Awards Program, which highlights the top financial companies and products nationwide for 2018. The consumer finance website selected New American Funding as a Best Mortgage Lender for First-Time Home Buyers with Low Credit Scores and a Best FHA Lender for Borrowers with Nontraditional Credit Histories. Read More
For many of us, the new year comes with resolutions, and getting organized tends to be a popular one. Perhaps not so coincidently, January is also Get Organized Month. Read More