Rick Amos at Draper and Kramer Mortgage Corp. NMLS 133162

Exploring your options with NAR settlements? 🏠💼 Wondering if you can choose a flat fee instead of a percentage commission? Good news: Commissions are negotiable! You can opt for a flat fee if your agent agrees. Want to know more? Drop me a message!

A Home Equity Line of Credit, or HELOC, functions similarly to a credit card. You can draw funds, repay them, and draw again. This flexibility, with typically lower interest rates and substantial credit limits, make it an excellent option for ongoing financial needs. Swipe through to understand the pros and cons of a HELOC.

Redlining is a discriminatory practice that emerged in the early 20th century and has had a significant and lasting impact on the socioeconomics of the U.S. It started in the 1930s when the federal government, through the Home Owners' Loan Corporation (HOLC), created color-coded maps to assess the risk of lending in various neighborhoods across the states.

While student loans can make saving for a home down payment more challenging, it may still be achievable with careful planning. The key is to explore low-down-payment loan options, improve your credit score, and pay down debt to help you qualify for a mortgage.
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Refinance to convert the equity in your home to cash that you can use in a variety of ways, such as: 👉A downpayment on a new home. 👉Finance home improvements: This can include repairs, renovations, and upgrades for both indoor and outdoor projects. 👉Consolidate your debt/improve your debt-to-income ratio: Consolidate debt like credit cards at a lower interest rate or pay off other loans like auto, student, and medical bills. 👉Pay for significant life events, Like a wedding or honeymoon 👉Pay for personal or familial needs, Like elderly care, childcare, or school 👉Pay for continuing education: Like college tuition or trade school 👉Boost your credit score 👉Lower your current interest rate 👉Improve your overall financial situation If you want to take advantage of your home's equity, get in touch today!

Exploring government-backed loans, working with an experienced lender to boost credit scores quickly, and using other strategies can improve borrowers' chances of home loan approval.

NAF! NAF! NAF!
No matter where you are in the home buying process or where you are in the country, work with the gold-medal team at New American Funding!
Ask us about finding a local real estate agent with or making an all-cash offer using .

Did you know the average person spends about 5-7 hours setting up their home utilities? Let NAF Concierge do it FOR YOU. Not only will you save yourself time, we'll find you the best deals in your area, saving you an average of 15% in utilities costs!

Oh, and did we mention this is free? Contact us today to learn more.

Did you buy a home when rates were at their highest? Ask me about refinancing options!

Make this summer the season of new beginnings with our ultimate summer guide! 🌞📖 Whether you're buying a new home or refinancing, New American Funding is here to help you navigate your options with ease. Dive into summer with confidence!

Tired of renting? 🏠💸 Invest in your future by financing a home where you can build equity and wealth over time. As dedicated mortgage lenders, we're here to help you achieve your homeownership dreams!

Refinance to convert the equity in your home to cash that you can use in various ways. If you want to take advantage of your home's equity, contact me today and ask about NAF Pathways!

Summer offers the perfect opportunity to kick-start your house-hunting journey!

Got questions about home loans? 🏡💬 Here are a few you might consider asking your lender. Swipe to see more and if you have any other questions, just slide into my DMs! I'm here to help.

Fixing a leaky faucet or installing a new light fixture yourself can feel amazing and even save you some cash. But beware: Not all Do-It-Yourself (DIY) projects are as disaster-proof as they seem.

DIY Home Projects: What to Do Yourself, and When to Call the Pros DIY mistakes, on average, cost homeowners an extra $310 to have the professionals fix, find out which DIY projects you can do yourself and which ones you should probably hire a pro for.

WalletHub ranked 300 cities using 22 metrics across three key elements: affordability, real estate markets, and quality of life. Did your city make the list?

The 10 Best—and 10 Worst—Cities for First-Time Homebuyers in 2024 What are the best cities for first-time homebuyers? What about the worst? The answers are here.

Are you in the market for a new home? Do you have equity in your current property? With NAF Cash Advance, transform into an all-cash buyer and leverage the equity from your home sale to purchase your next home—mortgage free! 🏡💼

Securing financing to build your dream home has never been easier! With a One-Time Close loan from New American Funding, the money you need to purchase your property, pay for home construction, and secure your mortgage is all wrapped up in one single loan. ✅ Single permanent loan is closed upfront, before construction begins ✅ Saves money with only one appraisal and one closing ✅ Low down payment options ✅ Gifts or land equity allowed for down payment One-time approval process FHA, VA, and Conventional loans are available!

Buying a home for the first time is an exciting but sometimes confusing experience. We've compiled a list of the 8 most common mistakes that first-time homebuyers make and how to avoid them.

From misconceptions about down payments to overlooking additional homeownership costs, we know there is a lot to think about. Save this post for later to save yourself time, money, and stress when buying a home.

Consolidate Debt with a Mortgage: Lower your monthly payments and save on interest by refinancing or securing a second mortgage. Ensure all loan conditions are met before document signing or funding as per the new policy update.

How to Use a Mortgage to Consolidate Your Debt If you are struggling to pay down high-interest debts, you may want to consider consolidating your debt using a refinance or a second mortgage. This may help lower monthly payments and save money through potentially lower interest rates.

When Roger found out his homeowner's insurance policy was increasing by 54%, he called NAF Insurance. Just 24 hours after calling, our dedicated team was able to secure him a new policy, which decreased his premium by 45%, saving him $2,200 annually!

Embarking on the home-buying journey can be overwhelming, but with NAF’s comprehensive services, you can enjoy a smooth and stress-free experience.
👉Through NAF Homes, you're matched with an expert real estate agent who specializes in your local market to help you find the perfect home.
👉By making an all-cash offer through NAF Cash, your offer stands out, significantly increasing your chances of acceptance in today’s competitive market.
👉With NAF Concierge, a dedicated agent will coordinate the setup of essential utilities such as electricity, gas, water, internet, and home security systems, making sure everything is ready when you move into your new home.
👉But the journey doesn’t end there! As you age, you may want to tap into the equity in your home to fund various personal expenses or even plan for retirement. Our NAF Reverse team is here to help with just that.
Through these affiliated companies, NAF aims to simplify the process and enhance your journey as you settle into your new home and beyond. Contact me to launch your homeownership journey today.

Unlocking the Market: How Seller Concessions Are Making Home Buying More Accessible 🏡✨ From mortgage-rate buydowns to covering closing costs, discover how flexible sellers are easing the path to homeownership. Read more below!

Seller Concessions: What Are They and When Should You Ask for Them? There may be a glimmer of light for homebuyers who might feel stretched thin from years of skyrocketing prices and mortgage rates. Sellers eager to see their homes move might be willing to sweeten a deal for on-the-fence buyers.

Why not use someone else’s money to buy a home? In today’s expensive housing market, saving up for a down payment on your home can feel like a monumental task. As buyers are turning to down payment assistance to help with the upfront costs of getting into a home, they are accelerating their buying timeline significantly, sometimes by years.

Swipe to check out how much time leveraging down payment assistance can save you across some major US metro areas!

While student loans can make saving for a home down payment more challenging, it may still be achievable with careful planning. The key is to explore low-down-payment loan options, improve your credit score, and pay down debt to help you qualify for a mortgage. Read the full article to learn more:

High Student Loans? Here's How You Can Still Buy a Home The dream of finding the perfect home can sometimes cloud judgment, causing some homebuyers to make avoidable mistakes. By taking proactive steps, home shoppers can potentially save themselves money—and heartbreak.

At New American Funding, we take great pride in creating opportunities for Veterans and Active-duty personnel who selflessly serve to protect our Nation. VA loans are one of the most popular choices among eligible first-time homebuyers because of the exceptional benefits they offer military borrowers. Swipe through to learn more! 👉

NAF Black Impact, formerly NAF Dream, empowers and supports the Black community in their pursuit of homeownership. NAF is renaming the program to reflect our growing dedication to assisting Black borrowers in breaking systemic barriers that have perpetuated disparities in homeownership for many years.

We’re committed to taking direct, action-oriented steps to address credit accessibility and promote sustainable and equitable homeownership for Black individuals and communities. Visit the link in our bio to learn more about the impact we’re making to close the wealth gap, including our commitment to funding $20 billion in new mortgages to Black homebuyers by 2028.

🏠⏳ Don't let time slip away! ⌛️ The cost of waiting to buy a home can be significant. 💸💔 Take action now and work with New American Funding to fund your dream home today. 🌟✨ Our team is here to guide you through the process and help you secure the financing you need. 🤝💼 Don't miss out on the opportunity to make your homeownership dreams a reality. 🏡💫