Jose Ruiz Mortgage Loan Originator, NMLS #1730444

Dreaming of a countryside escape? 🌄🏡 Make it a reality with our USDA One-Time Close (OTC) mortgage! Find your perfect lot and start building your dream home with just one loan. With flexible eligibility and a host of benefits, this program is designed to make homeownership easier and more accessible than ever. Ready to start building your future?

🌟 Great news for self-employed homebuyers! 🌟 Qualifying for a mortgage just got easier with New American Funding’s Self-Employed Bank Statement Mortgage. If you've been in business for at least two years, your personal or business bank statements could be your ticket to a new home. Plus, if your current home is listed on the MLS before applying for your new mortgage, you can exclude its payment from your debt-to-income ratio, provided you have additional reserves. Don’t let mortgage worries hold you back!

Need funds but want to keep your low-rate first mortgage? 🏡💸 A second mortgage from NAF could be your perfect solution! Access your home’s equity without sacrificing your great rate. Whether it's for debt consolidation, college expenses, home improvements, or more, we've got you covered. Keep your financial goals on track with our first-class solutions!

Skyrocketing to new heights! 🚀 At New American Funding, our success is on the rise with over 311,216 glowing testimonials, a stellar 4.9/5 rating on experience.com, and a dedicated team of 4,304+ employees. Together, we're climbing higher!

It’s our favorite time of the year - Homeownership Month! We believe everyone should have the opportunity to purchase a home.

Dreaming of countryside living? 🌾🏡 The USDA Rural Development Guaranteed Housing Loan Program can make it happen with low-interest rates and zero down payment! Check if you qualify for USDA financing and start your journey to homeownership in a serene rural setting. 🍃

What You Need to Qualify for USDA Financing Understanding eligibility criteria for USDA financing is essential if you think this path might be your route to homeownership. Here's what you need to qualify for USDA financing.

NAF Heroes emerged from the realization of a significant gap in support for veterans transitioning back to civilian life. More than mere financial assistance, it encompasses a comprehensive approach built on four critical pillars: Employment Initiatives, Community Engagement, Education and Empowerment, and Financial Guidance. Each pillar addresses a specific aspect of veterans’ needs, collectively offering a robust support system that goes beyond traditional methods.

Ready to build your dream home in the countryside? 🏡 Our one-time close USDA mortgage offers a seamless and affordable way to make it happen! 🌿

The times have changed. And that Old Wive's tale about selling your home as you age is changing, too. Because with a NAF Reverse mortgage you can stay in the home you love without worry. Click the link in our bio to learn more!

Building your dream home just got easier with our USDA One Time Close.
This option allows you to purchase the property, pay for the new construction, and secure the mortgage with one single loan.
There are many benefits to choosing this program, including ease of securing the loan, potential cost-saving advantages, and loan payment options.
Reach out to your NAF Loan Officer today to learn more!

🏡 Ready to start your homebuying journey? Getting pre-approved for a mortgage is your first step! A pre-approval letter from a lender not only shows real estate agents that you're serious but also strengthens your position when making an offer. 📑✨ Know your buying power and streamline your search by understanding how much you can borrow. The process involves verifying your financial background, including credit score, income, and more. Are you prepared for the journey ahead?
https://bit.ly/4bFI1Yf

How Long Does Mortgage Pre-approval Take? The mortgage pre-approval process is like a trial run for actual mortgage approval. Find how long it takes to get pre-approved and what all is involved in the process.

It’s our favorite time of the year - Homeownership Month! We believe everyone should have the opportunity to purchase a home.

📈 Interest rates are on the move! Just when we thought they were dipping, the 10yr Treasury climbed back up to around 4.6%, from a low of 3.8% at the end of last year.
https://bit.ly/4bGGykq

New American Funding New American Funding is a trusted mortgage lender offering an array of mortgage loan options including purchase, refinance, and first time home buyer loans with industry-leading loan closing times. We specialize in saving you money, personalized loans, and impeccable service.

Considering selling your home as you get older? Hold that thought! With a NAF Reverse Mortgage, you can stay in the home you cherish while securing financial stability. 🏡💡 Your home isn't just a place to live—it's a valuable asset. Want to know more? Reach out to me today to discover how you can earn by staying put!

Step through the doorway to your future with NAF Cash. Discover the path to your dream home and open the door to new possibilities and lasting memories. Your journey to homeownership starts here.

Building your dream home in today's market? 🏗️🏠 Discover how New American Funding's One-Time Close Loans are revolutionizing homeownership. With insights from VP Alicia Norwood, learn how we're tackling rising costs and labor shortages to make your home-building dreams come true. https://bit.ly/452CpVn

One-Time Close Loans: Empowering Homeowners Who Are Building and Renovating in a Changing Market Learn about One-Time Close loans and their benefits in this interview with Alicia Norwood, our VP of Renovation and Construction Lending

Are you not quite in a place to buy a home? There are several steps you can take to improve your credit. Check them out!

🚩 Navigating FHA Appraisal Red Flags: Essential Insights for First-Time Homebuyers! Learn what to watch for to ensure your dream home meets FHA standards.
https://bit.ly/3QXyW4I

FHA Appraisal Red Flags Knowing about FHA appraisal red flags is essential for anticipating if specific properties will be deemed suitable for financing before you start your home search. Here's what you need to know!

5.0 star review received on Experience.com for Jose Ruiz by Amanda W - Overall, easy and rather quick experience from start to funding. Thank you all.

New ★★★★★ 5 Star Experience.com Review by Amanda W Click to see all 14 reviews of Jose Ruiz, New American Funding

5.0 star review received on Experience.com for Jose Ruiz by Amanda W - We had tried another company and that turned into a nightmare. SO glad I was referred to Jose. He was super polite and informative along each step. Thank you SO much!

New ★★★★★ 5 Star Experience.com Review by Amanda W Click to see all 13 reviews of Jose Ruiz, New American Funding

Ever stumbled upon 'Contingent' vs 'Pending' in property listings and wondered what they mean? 🤔🏠 Contingent deals are still waiting on certain conditions to be met, while pending sales have cleared those hurdles and are just awaiting closure. Understanding these terms can significantly impact your home buying strategy. Let's dive into why knowing the difference matters in your property hunt!
https://bit.ly/3QU2pwn

Contingent vs Pending Have you been left confused by contingent vs pending after seeing these descriptions in property listings during your search for a new home? You're not the first person to wonder how these terms can affect a home sale.

Embarking on the homebuying journey? 🏡✨ Make it a smooth adventure with our essential House Hunting Checklist! From prepping for viewings to maximizing open houses, we've got you covered every step of the way. Start your journey informed and ready!
https://bit.ly/3UPq2Yn

House Hunting Checklist This comprehensive house-hunting checklist will guide you every step of the way, helping you navigate this journey smoothly. From preparing for property viewings to making the most of open house visits, this is your how-to.

Looking to reduce your monthly expenses? Leverage your home equity to your advantage! 🏠💸 Find out how you can unlock financial flexibility and ease your budget. Contact me today to explore your options!

Thinking it's time to sell your home as you age? Think again! With a NAF Reverse Mortgage, you can continue living in the home you love with financial peace of mind. 🏡💡 Remember, your home can also be your financial asset. Curious how? Contact me today to learn how you can get paid to stay right where you are!

Unlocking the power of home equity: Consolidating debt to save big on monthly expenses!

Do you think you need to sell your home just because you're getting older? That was an Old Wives Tale. Thanks to a NAF Reverse mortgage, you can stay in the home you love without worry.

Home is where the money is—we said what we said.

Learn more about how you get paid to stay in your home by contacting me today!

The market is heating up! Sellers are more open to negotiating with cash homebuyers over traditional buyers because the deals close fast, and there are no contingencies!

After a series of rate hikes, many are wondering if we've finally reached the peak. In today’s Mortgage Rundown episode, we dive into inflation, jobs market data, and the recent FOMC meeting’s impact on interest rates. https://lnkd.in/gNkfUV_G

Market Update: May 9th, 2024 Have Rates Hit Their Highs? | Mortgage Rundown After a series of rate hikes, many are wondering if we've finally reached the peak. In today’s Mortgage Rundown episode, we dive into inflation, jobs market ...

Temporary buydowns are a strategic financial tool that allows for reduced interest rates during a loan's initial period. These options provide borrowers with increased affordability and flexibility, making homeownership dreams more attainable.

If you're looking to decrease your initial monthly payments, ask your NAF Loan Officer about our buydown options!

🏡 Understanding Contingent in Real Estate 🏡
Contingent, a crucial term in real estate, refers to a situation where the closing of a home offer is dependent on specific conditions or circumstances. Whether you're a buyer or seller, comprehending this term is vital to navigate negotiations and prevent contract breaches.
In this comprehensive guide, we delve into the various scenarios where contingent applies in real estate. Gain valuable insights and equip yourself with the knowledge needed to make informed decisions when buying or selling your home.
Don't let uncertainty cloud your real estate journey. Discover the meaning of contingent in different circumstances and ensure a smooth transaction process. 📚💼

https://bit.ly/3UPHgWO

What Does Contingent Mean in Real Estate? What does contingent mean in real estate in different circumstances? This guide covers what you need to know.