Richard Alvarado - NMLS# 303185 - New American Funding
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Richard Alvarado, NMLS# 303185
Loan Consultant | New American Funding
New American Funding enables clients of all backgrounds to accomplish the American dream of homeownership by offering a diverse product suite, competitive pricing, and our promise to provide a timely and efficient closing. Our dedication to client service during the transaction extends after the closing while we service their mortgage. This passion for client service is displayed in every step of
The process of obtaining a home loan is lengthy and can be confusing. Knowing what you should and shouldn't be doing during this time might feel overwhelming and impossible, so work with someone who really knows their stuff – me! Work with me, and I'll guide you through every step of the process.
This may sound like an extreme option, but more people are considering renovating their homes instead of moving. It's hard for some to let go of their mortgage rates. Here are some pros and cons to weigh as you examine your options. If you have questions about the market, I'm here to help!
Renovations with a high ROI? Now that's a smart way to build equity! 🏡✨ Upgrading your kitchen or bathroom can boost your home's value and help you recoup about 70% of the costs. Want to learn more about financing your renovation dreams? Let’s chat and turn your home into an equity-building powerhouse!
Considering renovations? Refinancing could be the key to unlocking your dream upgrades. Let’s discuss your options and make your home everything you’ve ever wanted. Contact me today!
When looking for your new home, focus on key features like neighborhood quality, convenience to friends and family, and affordability. 🏡✨ These factors can make all the difference in finding the perfect place. Ready to explore your financing options? Contact me today to get started!
Don't fall for the myth that you don't need a home inspection! 🏡✨ A thorough inspection is crucial to ensure you're making a sound investment. Ready to start your homebuying journey with confidence? Contact me today for expert loan advice!
New American Funding has partnered with Matic Insurance to offer NAF Insurance solutions. These new solutions empower New American Funding customers to secure homeowners insurance while NAF is processing the loan.
NAF customers can also bundle flood, wind, auto, pet, life, and other personal lines of insurance at the same time. Ready to save money and reduce stress? Get started today.
Being prepared and getting organized is one of the best things you can do for yourself when buying a home. Check out the 7 documents you’ll need handy when getting a mortgage.
Unlock the power of your home equity and watch your monthly expenses shrink! Say goodbye to high interest rates and hello to financial freedom. Let your home work for you and start saving today. 💰💪
NAHREP has released the 2023 State of Hispanic Homeownership Report, which includes some exciting growth metrics and new milestones.
In 2023, the Hispanic homeownership rate reached 49.5%, which looks like 377,000 more Hispanic-owned households from the year before. This milestone shows that despite experiencing some of the toughest housing market years, Hispanic homeownership rates have steadily risen for nearly a decade.
Today, over 9.5 million Hispanic households are owned by Hispanics, and New American Funding is excited to continue supporting Hispanic homeownership every day through our Latino Focus initiative.
Unlock the Power of Home Equity in Your Retirement Plan! Consider adding a Reverse Mortgage to your income strategy and maximize your financial security during retirement. Learn how to leverage your home equity for a comfortable and worry-free future.
Breaking the paycheck-to-paycheck cycle is possible! Discover how leveraging your home equity to consolidate debt can help reduce your monthly expenses. Take control of your financial future.
Redefining Homeownership: Embracing Co-Buying and Community. The traditional image of homeownership is evolving. Explore how younger generations are reshaping the concept, embracing multigenerational living, shared spaces, and non-familial roommates. Discover the diverse paths to achieving the modern American Dream.
https://bit.ly/3WlTac6
Co-Buying and Community: How Younger Generations View Homeownership Read our interview with Nestment CEO Niles Lichtenstein about the shift into co-borrowing and building physical community in homebuying.
Unlocking the Power of Modern Refinance Mortgages in Today's World. Embrace the Future of Homeownership. 🏡💡
📣 Attention all Realtors and referring partners! We've created a handy post that will make navigating seller concessions a breeze. 📝💼
It's the perfect tool to help you close deals faster and provide exceptional service to your clients. 💪🔑
Let's take your real estate game to the next level! 📥💼
250K+ reviews and counting! Borrowers trust NAF for their financial needs. Join the trusted community today.
Tackling High-Interest Debt: The Power of Mortgage Refinancing. Discover how homeowners can regain control over their finances by consolidating high-interest debt into a single, lower-interest mortgage payment. Learn about New American Funding's refinancing products, including cash-out refinancing, HELOC, and fixed-rate second mortgages. Take charge of your financial future today!
https://bit.ly/3W1O98n
Tackling High-Interest Debt: The Power of Mortgage Refinancing For many homeowners burdened with high-interest debt, finding a way to alleviate the financial strain can feel like an uphill battle. However, an increasingly popular strategy is mortgage refinancing.
Unlocking the power of home equity: Consolidating debt to save big on monthly expenses!
🏡💼 How New Real Estate Commission Rules Could Affect First-Time Buyers 💼🏡
In a twist that could redefine the homebuying landscape, especially for first-time purchasers, the real estate industry faces a pivotal shift. The catalyst? A landmark legal settlement that challenges the traditional method of real estate commissions, shaking the foundations of homebuying and selling as we know it. Read on to learn what the changes are and how they affect first-time homebuyers.
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How New Real Estate Commission Rules Could Affect First-Time Buyers Find out how the new rules from the Real Estate Commission can affect first-time homebuyers.
Ready to turn your homeownership dreams into reality? NAF Cash gives you all the advantages of a cash buyer, without needing to bring your cash to the table. Enjoy quicker closings, unmatched flexibility, and a competitive edge in today's housing market. Your path to homeownership just got smoother. Connect with our experienced team to learn more about how NAF Cash can help you!
New American Funding (NAF) is committed to helping underserved Americans achieve their dreams of homeownership. Our Native American Loan
Guarantee loan program offers homeownership opportunities for eligible Native Americans, helping you get into your dream home.
At New American Funding, we do everything we can to make the homebuying process as seamless and simple as possible. Our e-close process allows you to close on your home from wherever you are, meaning you spend less time signing redundant paperwork and more time living your life. Contact us today to get started.
Think of your loan officer as your own personal home-buying guide.
They not only determine your eligibility and analyze your finances, but they also share ways to improve your chances of approval, resources for improving your credit score and reducing debts, and airtight documentation.
Our Loan Officers are here to guide you through each step of the homebuying process.
Check out these top 5 most affordable and least affordable housing markets! Prepare yourself for sticker shock, as California dominates the list of least affordable housing markets.
Finding the perfect home is all about balancing your budget and your dreams. Getting pre-approved is the best way to know how much home you can shop for!
Homeownership offers much more than just a roof over your head. When you buy a home, you can enjoy the stability of consistent monthly payments, the opportunity to build equity over time, and the freedom to personalize and improve your living space.
Our experienced NAF Homes real estate agents will guide you through the homebuying journey, helping you build equity and create your dream living space.
So you've closed on your new home—now what? New American Funding is excited to announce NAF Concierge, a complimentary service that provides a faster, more convenient way to research and schedule utility and home services before move-in day.🤝
With NAF Concierge, you'll save time and money and reduce your stress so you can focus on what's important - moving into your dream home. 🏡
It’s financial literacy month, which is the perfect time to re-evaluate your personal finances. Creating or resetting a budget, paying down debt, or starting a savings account are all examples of setting your future self up for financial success.
Maximize your chances of securing loan approval for your dream home with these proven strategies. 👇
1️⃣ Elevate your credit score: A higher credit score not only demonstrates your financial responsibility but also positions you as a less risky borrower in the eyes of lenders. Take proactive steps to improve your creditworthiness by paying bills on time, reducing credit card balances, and disputing any errors on your credit report.
2️⃣ Optimize your debt-to-income ratio: Lenders look at your debt-to-income ratio to assess your ability to manage mortgage payments. Lowering this ratio by paying off existing debts or increasing your income can significantly enhance your loan approval prospects. Consider consolidating high-interest debts or exploring additional income streams to improve this crucial metric.
3️⃣ Organize your financial documentation: Lenders require an overview of your financial situation. Gather all necessary documents, including proof of income, employment verification, bank statements, tax returns, and any other relevant financial records. By having these documents readily available and well-organized, you can expedite the loan application process and demonstrate your preparedness to potential lenders.
NAHREP has released the 2023 State of Hispanic Homeownership Report, which includes some exciting growth metrics and new milestones.
In 2023, the Hispanic homeownership rate reached 49.5%, which looks like 377,000 more Hispanic-owned households from the year before. This milestone shows that despite experiencing some of the toughest housing market years, Hispanic homeownership rates have steadily risen for nearly a decade.
Today, over 9.5 million Hispanic households are owned by Hispanics, and New American Funding is excited to continue supporting Hispanic homeownership every day through our Latino Focus initiative.
Your True Partner
Since 2007, AmCap has experienced steady and continuous growth. We attribute our success to innovative, modern business practices and one simple philosophy – making good loans to good borrowers. While we may have grown into a large company with a national presence, we maintain our commitment to exceptional customer service with a personal touch.
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