# New American Funding (NAF) | Home Loans & Refinance > New American Funding (NAF) is a direct mortgage lender offering an array of home loan options including purchase, refinance, and first-time homebuyer loans. New American Funding is a direct mortgage lender offering home purchase and refinance loans. This file lists the key public pages on the site to assist AI language models in understanding site content. ## Content Pages - [15-Year Fixed-Rate Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/15-year-fixed-mortgage/): A 15-year Fixed-Rate mortgage offers lower interest rates, fixed monthly payments, and the opportunity to build equity in your home in a shorter amount of time. - [30-Year Fixed-Rate Mortgage](https://www.newamericanfunding.com/loan-types/30-year-fixed-mortgage/): A 30-year Fixed-Rate mortgage offers simpler loans terms and stable monthly payments, making budgeting easier and protecting you from market changes. - [Additional Offerings](https://www.newamericanfunding.com/loan-types/additional-offerings/): From understanding how Quitclaim Deeds are used for property transfers to exploring Energy Efficient Mortgages, NAF has the information you need. - [Adjustable Rate Mortgage (ARM) Loans | New American Funding](https://www.newamericanfunding.com/loan-types/arm-mortgages/): Discover the benefits of Adjustable-Rate mortgages (ARMs). Learn how they work and find out if one might be right for your needs. - [Accessory Dwelling Unit | ADU Loan | New American Funding](https://www.newamericanfunding.com/loan-types/adu-loan/): Adding an Accessory Dwelling Unit (ADU) to your home can boost its value. An ADU loan lets you access your home's equity, which grows as you make payments. - [Affordability Calculator](https://www.newamericanfunding.com/calculators/affordability-calculator/): Use our affordability calculator to find out how much home you can afford. Enter amounts like your down payment amount and interest rate to help you budget. - [Alabama DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/alabama/): If you’re an Alabama real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Alabama USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/alabama/): Are you looking to buy a home in Alabama? A USDA home loan might be the answer. Learn about Alabama USDA Loans with this comprehensive guide. - [Alabama HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/alabama/): If you’re a homeowner in Alabama and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Alabama FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/alabama/): Looking for a way to buy a home in Alabama? See all the requirements of an Alabama FHA Loan with this comprehensive guide by New American Funding. - [Alabama VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/alabama/): Are you a veteran looking for a way to buy a home in Alabama? See all the benefits and requirements of an Alabama VA Loan with this comprehensive guide. - [Alabama Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/alabama/): Are you an Alabama homeowner aged 62 or older? Alabama homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Alabama | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/alabama/): Are you a homebuyer looking for down payment assistance in Alabama? See the programs and benefits available in Alabama with this comprehensive guide. - [Mortgage Refinancing in Alabama | New American Funding](https://www.newamericanfunding.com/refinance/state/alabama/): Looking for information on refinancing your home loan in Alabama? Read this comprehensive guide by New American Funding. - [Alabama Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/alabama/): Use our Alabama mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Alaska DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/alaska/): If you’re an Alaska real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Alaska USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/alaska/): Are you looking to buy a home in Alaska? A USDA home loan might be the answer. Learn about Alaska USDA Loans with this comprehensive guide. - [Alaska HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/alaska/): If you’re a homeowner in Alaska and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Alaska FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/alaska/): Looking for a way to buy a home in Alaska? See all Alaska FHA Loan requirements with this comprehensive guide by New American Funding - [Alaska VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/alaska/): Are you a veteran looking for a way to buy a home in Alaska? See all the benefits and requirements of a Alaska VA Loan with this comprehensive guide. - [Alaska Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/alaska/): Are you an Alaska homeowner aged 62 or older? Alaska homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Alaska | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/alaska/): Are you a homebuyer looking for down payment assistance in Alaska? See the programs and benefits available in Alaska with this comprehensive guide. - [Alaska Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/alaska/): Use our Alaska mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Alaska | New American Funding](https://www.newamericanfunding.com/refinance/state/alaska/): Looking for information on refinancing your home loan in Alaska? Read this comprehensive guide by New American Funding. - [Aliso Viejo, California VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/california/city/aliso-viejo/): Are you a veteran looking for a way to buy a home in Aliso Viejo? See all the benefits and requirements of a California VA Loan with this comprehensive guide. - [Amortization Calculator](https://www.newamericanfunding.com/calculators/amortization-calculator/): Use our amortization calculator to figure out what factors affect your monthly loan payments, how much interest you'll owe over time, and your payment schedule. - [Arizona DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/arizona/): If you’re an Arizona real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Arizona USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/arizona/): Are you looking to buy a home in Arizona? A USDA home loan might be the answer. Learn about Arizona USDA Loans with this comprehensive guide. - [Arizona HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/arizona/): If you’re a homeowner in Arizona and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Arizona FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/arizona/): Looking for a way to buy a home in Arizona? See all the requirements of an Arizona FHA Loan with this comprehensive guide by New American Funding. - [Arizona VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/arizona/): Are you a veteran looking for a way to buy a home in Arizona? See all the benefits and requirements of an Arizona VA Loan with this comprehensive guide. - [Arizona Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/arizona/): Are you an Arizona homeowner aged 62 or older? Arizona homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Arizona | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/arizona/): Are you a homebuyer looking for down payment assistance in Arizona? See the programs and benefits available in Arizona with this comprehensive guide. - [Mortgage Refinancing in Arizona| New American Funding](https://www.newamericanfunding.com/refinance/state/arizona/): Looking for information on refinancing your home loan in Arizona? Read this comprehensive guide by New American Funding. - [Arizona Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/arizona/): Use our Arizona mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Arkansas DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/arkansas/): If you’re an Arkansas real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Arkansas USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/arkansas/): Are you looking to buy a home in Arkansas? A USDA home loan might be the answer. Learn about Arkansas USDA Loans with this comprehensive guide. - [Arkansas HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/arkansas/): If you’re a homeowner in Arkansas and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Arkansas FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/arkansas/): Looking for a way to buy a home in Arkansas? See all the requirements of an Arkansas FHA Loan with this comprehensive guide by New American Funding. - [Arkansas VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/arkansas/): Are you a veteran looking for a way to buy a home in Arkansas? See all the benefits and requirements of a Arkansas VA Loan with this comprehensive guide. - [Arkansas Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/arkansas/): Are you an Arkansas homeowner aged 62 or older? Arkansas homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Arkansas | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/arkansas/): Are you a homebuyer looking for down payment assistance in Arkansas? See the programs and benefits available in Arkansas with this comprehensive guide. - [Mortgage Refinancing in Arkansas | New American Funding](https://www.newamericanfunding.com/refinance/state/arkansas/): Looking for information on refinancing your home loan in Arkansas? Read this comprehensive guide by New American Funding. - [Arkansas Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/arkansas/): Use our Arkansas mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Austin, Texas USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/texas/city/austin/): Are you looking to buy a home in Austin, Texas? A USDA home loan might be the answer. Learn about Austin USDA Loans with this comprehensive guide. - [Bank Statement Loan](https://www.newamericanfunding.com/loan-types/non-qm-loan/bank-statement-loan/): Non-QM loans are a helpful option for borrowers who are self-employed. They offer multiple loans options and more flexible ways of proving income. - [Builder Partners](https://www.newamericanfunding.com/careers/youreacloser/builder-partners/): Find out how New American Funding is transforming builder lending. Learn what builder specific processes and people are available to support you. - [How to Buy a Home | Home Loan | New American Funding](https://www.newamericanfunding.com/buy-a-home/): Learn about how to buy your home with NAF. We offer home loans, programs, and support to homebuyers from diverse backgrounds including first-time homebuyers. - [Buydown Calculator](https://www.newamericanfunding.com/calculators/buydown-calculator/): Use New American Funding's mortgage buydown calculator to estimate monthly payments, interest rate reductions, and potential savings with a temporary buydown. - [Buydown Loan | Mortgage Buydown | New American Funding](https://www.newamericanfunding.com/loan-types/buydown-loan/): Explore Buydown loan options at New American Funding. Enjoy reduced initial payments with various plans for financial flexibility in early homeownership. - [Calculators](https://www.newamericanfunding.com/calculators/): Use our mortgage calculators to find out how much house you can afford, how your down payment amount will affect your loan, and how refinancing might affect you - [California DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/california/): If you’re a California real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [California USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/california/): Are you looking to buy a home in California? A USDA home loan might be the answer. Learn about California USDA Loans with this comprehensive guide. - [California HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/california/): If you’re a homeowner in California and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [California FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/california/): Looking for a way to buy a home in California? See all the requirements of a California FHA Loan with this comprehensive guide by New American Funding. - [California VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/california/): Are you a veteran looking for a way to buy a home in California? See all the benefits and requirements of a California VA Loan with this comprehensive guide. - [California Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/california/): Are you a California homeowner age 62 or older? California homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in California | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/california/): Are you a homebuyer looking for down payment assistance in California? See the programs and benefits available in California with this comprehensive guide. - [California Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/california/): Use our California mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in California | New American Funding](https://www.newamericanfunding.com/refinance/state/california/): Looking for information on refinancing your home loan in California? Read this comprehensive guide by New American Funding. - [Careers](https://www.newamericanfunding.com/careers/): Looking for a new career? NAF values integrity, unity, innovation, and diversity. Advance your career and join our Latina-owned, women-led mortgage company. - [Cash-Out Refinance | New American Funding](https://www.newamericanfunding.com/refinance/cash-out-refinance/): Tap into your home's equity with a Cash-Out Refinance. Learn how to refinance your mortgage and access cash for major expenses or debt consolidation. - [Chicago, Illinois FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/illinois/city/chicago/): Looking for a way to buy a home in Chicago, Illinois? See all the requirements of a Chicago FHA Loan with this comprehensive guide by New American Funding. - [Colorado DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/colorado/): If you’re a Colorado real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Colorado USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/colorado/): Are you looking to buy a home in Colorado? A USDA home loan might be the answer. Learn about Colorado USDA Loans with this comprehensive guide. - [Colorado HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/colorado/): If you’re a homeowner in Colorado and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Colorado FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/colorado/): Looking for a way to buy a home in Colorado? See all the requirements of a Colorado FHA Loan with this comprehensive guide by New American Funding. - [Colorado VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/colorado/): Are you a veteran looking for a way to buy a home in Colorado? See all the benefits and requirements of a Colorado VA Loan with this comprehensive guide. - [Colorado Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/colorado/): Are you a Colorado homeowner aged 62 or older? Colorado homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Colorado | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/colorado/): Are you a homebuyer looking for down payment assistance in Colorado? See the programs and benefits available in Colorado with this comprehensive guide. - [Colorado Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/colorado/): Use our Colorado mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Colorado | New American Funding](https://www.newamericanfunding.com/refinance/state/colorado/): Looking for information on refinancing your home loan in Colorado? Read this comprehensive guide by New American Funding. - [Communities](https://www.newamericanfunding.com/careers/youreacloser/communities/): NAF is committed to sustainable homeownership for all communities. Check out our Initiatives: NAF Latino Focus, NAF Black Impact, NAF Pride, and NAF Heroes. - [Connecticut DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/connecticut/): If you’re a Connecticut real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Connecticut USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/connecticut/): Are you looking to buy a home in Connecticut? A USDA home loan might be the answer. Learn about Connecticut USDA Loans with this comprehensive guide. - [Connecticut HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/connecticut/): If you’re a homeowner in Connecticut and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Connecticut FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/connecticut/): Looking for a way to buy a home in Connecticut? See all the requirements of a Connecticut FHA Loan with this comprehensive guide by New American Funding. - [Connecticut VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/connecticut/): Are you a veteran looking for a way to buy a home in Connecticut? See all the benefits and requirements of a Connecticut VA Loan with this comprehensive guide. - [Connecticut Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/connecticut/): Are you a Connecticut homeowner aged 62+? Connecticut homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Connecticut | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/connecticut/): Are you a homebuyer looking for down payment assistance in Connecticut? See the programs and benefits available in Connecticut with this comprehensive guide. - [Connecticut Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/connecticut/): Use our Connecticut mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Connecticut | New American Funding](https://www.newamericanfunding.com/refinance/state/connecticut/): Looking for information on refinancing your home loan in Connecticut? Read this comprehensive guide by New American Funding. - [Consumer Direct](https://www.newamericanfunding.com/careers/consumer-direct/): Find open roles for mortgage loan officers and learn the benefits of working as part of the lending industry for New American Funding. - [Contact Us](https://www.newamericanfunding.com/about-us/contact-us/): Contact New American Funding (NAF) to get answers to your questions about what loan types or refinancing options might be right for you. - [Conventional Loan](https://www.newamericanfunding.com/loan-types/conventional-loan/): Conventional loans are the most popular home loan offering down payments as low as 3%. Find out if a Conventional loan may be right for your needs. - [Dallas, Texas FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/texas/city/dallas/): Looking for a way to buy a home in Dallas, Texas? See all the requirements of a Dallas FHA Loan with this comprehensive guide by New American Funding. - [Delaware DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/delaware/): If you’re a Delaware real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Delaware USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/delaware/): Are you looking to buy a home in Delaware? A USDA home loan might be the answer. Learn about Delaware USDA Loans with this comprehensive guide. - [Delaware HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/delaware/): If you’re a homeowner in Delaware and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Delaware FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/delaware/): Looking for a way to buy a home in Delaware? See all Delaware FHA Loan requirements with this comprehensive guide by New American Funding. - [Delaware VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/delaware/): Are you a veteran looking for a way to buy a home in Delaware? See all the benefits and requirements of an Delaware VA Loan with this comprehensive guide. - [Delaware Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/delaware/): Are you a Delaware homeowner aged 62 or older? Delaware homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Delaware | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/delaware/): Are you a homebuyer looking for down payment assistance in Delaware? See the programs and benefits available in Delaware with this comprehensive guide. - [Delaware Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/delaware/): Use our Delaware mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Delaware | New American Funding](https://www.newamericanfunding.com/refinance/state/delaware/): Looking for information on refinancing your home loan in Delaware? Read this comprehensive guide by New American Funding. - [District of Columbia Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/district-of-columbia/): Use our District of Columbia mortgage calculator to see what you can afford and understand how things like your down payment amount can affect your home loan. - [Down Payment Assistance by State](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/): Explore down payment assistance programs by state with New American Funding. Find available options to help make buying a home more affordable. - [DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/): DSCR loans are useful for investors and business owners who want to finance income-generating properties. Find out how a DSCR loan might be able to help you. - [E-Consent Form page old](https://www.newamericanfunding.com/econsent-old/) - [Empowering Homeownership In Diverse Communities](https://www.newamericanfunding.com/empowering-homeownership-in-diverse-communities/): Explore New American Funding's white paper on bridging the homeownership gap, overcoming barriers, and expanding opportunities for diverse communities. - [Energy Efficient Mortgage](https://www.newamericanfunding.com/loan-types/energy-efficient-mortgage/): An Energy Efficient Mortgage is used to finance a home that is either already energy-efficient or add energy efficient improvements. - [FHA 203k Loan | Home Improvement Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-203k-loan/): FHA 203(k) loans let you roll the costs of home improvements into your mortgage. This means you can finance both the purchase and the renovation with one loan. - [FHA Calculator](https://www.newamericanfunding.com/calculators/fha-calculator/): Use New American Funding's FHA loan calculator to estimate monthly mortgage payments, down payments, property taxes, and mortgage insurance costs. - [FHA Loan | FHA Requirements and Rates | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/): FHA loans are government-backed and offer low down payments and flexible credit requirements making them ideal for first-time buyers. - [FHA Loan by State | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/): Explore FHA loans by state with New American Funding. Learn about FHA loan requirements, benefits, and homebuying options in your area. - [Florida DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/florida/): If you’re a Florida real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Florida USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/florida/): Are you looking to buy a home in Florida? A USDA home loan might be the answer. Learn about Florida USDA Loans with this comprehensive guide. - [Florida HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/florida/): If you’re a homeowner in Florida and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Florida FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/florida/): Looking for a way to buy a home in Florida? See all the requirements of a Florida FHA Loan with this comprehensive guide by New American Funding. - [Florida VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/florida/): Are you a veteran looking for a way to buy a home in Florida? See all the benefits and requirements of a Florida VA Loan with this comprehensive guide. - [Florida Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/florida/): Are you a Florida homeowner aged 62 or older? Florida homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Florida | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/florida/): Are you a homebuyer looking for down payment assistance in Florida? See the programs and benefits available in Florida with this comprehensive guide. - [Florida Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/florida/): Use our Florida mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Florida | New American Funding](https://www.newamericanfunding.com/refinance/state/florida/): Looking for information on refinancing your home loan in Florida? Read this comprehensive guide by New American Funding. - [Georgia DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/georgia/): If you’re a Georgia real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Georgia USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/georgia/): Are you looking to buy a home in Georgia? A USDA home loan might be the answer. Learn about Georgia USDA Loans with this comprehensive guide. - [Georgia HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/georgia/): If you’re a homeowner in Georgia and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Georgia FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/georgia/): Looking for a way to buy a home in Georgia? See all the requirements of a Georgia FHA Loan with this comprehensive guide by New American Funding. - [Georiga VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/georgia/): Are you a veteran looking for a way to buy a home in Georgia? See all the benefits and requirements of a Georgia VA Loan with this comprehensive guide. - [Georgia Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/georgia/): Are you a Georgia homeowner aged 62 or older? Georgia homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Georgia | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/georgia/): Are you a homebuyer looking for down payment assistance in Georgia? See the programs and benefits available in Georgia with this comprehensive guide. - [Georgia Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/georgia/): Use our Georgia mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Georgia | New American Funding](https://www.newamericanfunding.com/refinance/state/georgia/): Looking for information on refinancing your home loan in Georgia? Read this comprehensive guide by New American Funding. - [HARP | New American Funding](https://www.newamericanfunding.com/loan-types/harp/): Learn about HARP. - [Hawaii DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/hawaii/): If you’re a Hawaii real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Hawaii USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/hawaii/): Are you looking to buy a home in Hawaii? A USDA home loan might be the answer. Learn about Hawaii USDA Loans with this comprehensive guide. - [Hawaii HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/hawaii/): If you’re a homeowner in Hawaii and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Hawaii FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/hawaii/): Looking for a way to buy a home in Hawaii? See all Hawaii FHA Loan requirements with this comprehensive guide by New American Funding. - [Hawaii VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/hawaii/): Are you a veteran looking for a way to buy a home in Hawaii? See all the benefits and requirements of a Hawaii VA Loan with this comprehensive guide. - [Hawaii Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/hawaii/): Are you a Hawaii homeowner aged 62 or older? Hawaii homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Hawaii | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/hawaii/): Are you a homebuyer looking for down payment assistance in Hawaii? See the programs and benefits available in Hawaii with this comprehensive guide. - [Mortgage Refinancing in Hawaii | New American Funding](https://www.newamericanfunding.com/refinance/state/hawaii/): Looking for information on refinancing your home loan in Hawaii? Read this comprehensive guide by New American Funding. - [Hawaii Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/hawaii/): Use our Hawaii mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [HELOC by State](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/): Explore HELOCs by state with New American Funding. Learn about home equity line of credit requirements, benefits, and options for accessing your home equity. - [Home Equity Line of Credit (HELOC)](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/): In order to qualify for a Home Equity Line of Credit (HELOC) you will need 15%-20% equity in your home, a minimum credit score of 620, and low DTI. - [Home Equity Loans | Loan Types | New American Funding](https://www.newamericanfunding.com/loan-types/home-equity-loans/): Turn your home equity into cash. Finance renovations, consolidate debt, or fund education. Find out if a Home Equity loan may be right for your needs today. - [National Market Housing Data | New American Funding](https://www.newamericanfunding.com/housing-data/): Explore national housing market data, including mortgage rates, home prices, housing inventory, market trends, and home price growth with New American Funding. - [Houston, Texas FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/texas/city/houston/): Looking for a way to buy a home in Houston, Texas? See all the requirements of a Houston FHA Loan with this comprehensive guide by New American Funding. - [I CAN Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/i-can-mortgage/): The I CAN Mortgage lets you tailor your loan terms to fit your financial goals. Find out your customizable term options from 10-30 years. - [Idaho DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/idaho/): If you’re an Idaho real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Idaho USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/idaho/): Are you looking to buy a home in Idaho? A USDA home loan might be the answer. Learn about Idaho USDA Loans with this comprehensive guide. - [Idaho HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/idaho/): If you’re a homeowner in Idaho and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Idaho FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/idaho/): Looking for a way to buy a home in Idaho? See all the requirements of an Idaho FHA Loan with this comprehensive guide by New American Funding. - [Idaho VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/idaho/): Are you a veteran looking for a way to buy a home in Idaho? See all the benefits and requirements of a Idaho VA Loan with this comprehensive guide. - [Idaho Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/idaho/): Are you an Idaho homeowner aged 62 or older? Idaho homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Idaho | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/idaho/): Are you a homebuyer looking for down payment assistance in Idaho? See the programs and benefits available in Idaho with this comprehensive guide. - [Idaho Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/idaho/): Use our Idaho mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Idaho | New American Funding](https://www.newamericanfunding.com/refinance/state/idaho/): Looking for information on refinancing your home loan in Idaho? Read this comprehensive guide by New American Funding. - [Illinois DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/illinois/): If you’re an Illinois real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Illinois USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/illinois/): Are you looking to buy a home in Illinois? A USDA home loan might be the answer. Learn about Illinois USDA Loans with this comprehensive guide. - [Illinois HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/illinois/): If you’re a homeowner in Illinois and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Illinois FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/illinois/): Looking for a way to buy a home in Illinois? See all the requirements of an Illinois FHA Loan with this comprehensive guide by New American Funding. - [Illinois VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/illinois/): Are you a veteran looking for a way to buy a home in Illinois? See all the benefits and requirements of a Illinois VA Loan with this comprehensive guide. - [Illinois Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/illinois/): Are you an Illinois homeowner aged 62 or older? Illinois homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Illinois | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/illinois/): Are you a homebuyer looking for down payment assistance in Illinois? See the programs and benefits available in Illinois with this comprehensive guide. - [Illinois Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/illinois/): Use our Illinois mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Illinois | New American Funding](https://www.newamericanfunding.com/refinance/state/illinois/): Looking for information on refinancing your home loan in Illinois? Read this comprehensive guide by New American Funding. - [Indiana DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/indiana/): If you’re an Indiana real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Indiana USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/indiana/): Are you looking to buy a home in Indiana? A USDA home loan might be the answer. Learn about Indiana USDA Loans with this comprehensive guide. - [Indiana HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/indiana/): If you’re a homeowner in Indiana and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Indiana FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/indiana/): Looking for a way to buy a home in Indiana? See all the requirements of an Indiana FHA Loan with this comprehensive guide by New American Funding. - [Indiana VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/indiana/): Are you a veteran looking for a way to buy a home in Indiana? See all the benefits and requirements of a Indiana VA Loan with this comprehensive guide. - [Indiana Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/indiana/): Are you an Indiana homeowner aged 62 or older? Indiana homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Indiana | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/indiana/): Are you a homebuyer looking for down payment assistance in Indiana? See the programs and benefits available in Indiana with this comprehensive guide. - [Indiana Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/indiana/): Use our Indiana mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Indiana | New American Funding](https://www.newamericanfunding.com/refinance/state/indiana/): Looking for information on refinancing your home loan in Indiana? Read this comprehensive guide by New American Funding. - [Interest-Only Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/interest-only/): An Interest-Only mortgage loan is a type of financing where the borrower pays only the interest on the principal balance for a set period of time. - [Iowa DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/iowa/): If you’re an Iowa real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Iowa USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/iowa/): Are you looking to buy a home in Iowa? A USDA home loan might be the answer. Learn about Iowa USDA Loans with this comprehensive guide. - [Iowa HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/iowa/): If you’re a homeowner in Iowa and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Iowa FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/iowa/): Looking for a way to buy a home in Iowa? See all the requirements of an Iowa FHA Loan with this comprehensive guide by New American Funding. - [Iowa VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/iowa/): Are you a veteran looking for a way to buy a home in Iowa? See all the benefits and requirements of a Iowa VA Loan with this comprehensive guide. - [Iowa Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/iowa/): Are you an Iowa homeowner aged 62 or older? Iowa homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Iowa | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/iowa/): Are you a homebuyer looking for down payment assistance in Iowa? See the programs and benefits available in Iowa with this comprehensive guide. - [Iowa Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/iowa/): Use our Iowa mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Iowa | New American Funding](https://www.newamericanfunding.com/refinance/state/iowa/): Looking for information on refinancing your home loan in Iowa? Read this comprehensive guide by New American Funding. - [Jumbo Home Loans | New American Funding](https://www.newamericanfunding.com/loan-types/jumbo-loan/): Jumbo loans are designed for larger amounts, so they have stricter qualifications. They typically require a minimum 10% down payment and a maximum DTI of 45%. - [Kansas DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/kansas/): If you’re a Kansas real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Kansas USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/kansas/): Are you looking to buy a home in Kansas? A USDA home loan might be the answer. Learn about Kansas USDA Loans with this comprehensive guide. - [Kansas HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/kansas/): If you’re a homeowner in Kansas and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Kansas FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/kansas/): Looking for a way to buy a home in Kansas? See all Kansas FHA Loan requirements with this comprehensive guide by New American Funding. - [Kansas VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/kansas/): Are you a veteran looking for a way to buy a home in Kansas? See all the benefits and requirements of a Kansas VA Loan with this comprehensive guide. - [Kansas Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/kansas/): Are you a Kansas homeowner aged 62 or older? Kansas homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Kansas | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/kansas/): Are you a homebuyer looking for down payment assistance in Kansas? See the programs and benefits available in Kansas with this comprehensive guide. - [Kansas Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/kansas/): Use our Kansas mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Kansas | New American Funding](https://www.newamericanfunding.com/refinance/state/kansas/): Looking for information on refinancing your home loan in Kansas? Read this comprehensive guide by New American Funding. - [Kansas City, Missouri FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/missouri/city/KansasCity/): Looking for a way to buy a home in Kansas City? See all the requirements of a Kansas City FHA Loan with this comprehensive guide by New American Funding. - [Kentucky DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/kentucky/): If you’re a Kentucky real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Kentucky USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/kentucky/): Are you looking to buy a home in Kentucky? A USDA home loan might be the answer. Learn about Kentucky USDA Loans with this comprehensive guide. - [Kentucky HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/kentucky/): If you’re a homeowner in Kentucky and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Kentucky FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/kentucky/): Looking for a way to buy a home in Kentucky? See all the requirements of an Kentucky FHA Loan with this comprehensive guide by New American Funding. - [Kentucky VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/kentucky/): Are you a veteran looking for a way to buy a home in Kentucky? See all the benefits and requirements of a Kentucky VA Loan with this comprehensive guide. - [Kentucky Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/kentucky/): Are you a Kentucky homeowner aged 62 or older? Kentucky homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Kentucky | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/kentucky/): Are you a homebuyer looking for down payment assistance in Kentucky? See the programs and benefits available in Kentucky with this comprehensive guide. - [Kentucky Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/kentucky/): Use our Kentucky mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Kentucky | New American Funding](https://www.newamericanfunding.com/refinance/state/kentucky/): Looking for information on refinancing your home loan in Kentucky? Read this comprehensive guide by New American Funding. - [Las Vegas, Nevada FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/nevada/city/LasVegas/): Looking for a way to buy a home in Las Vegas? See all the requirements of a Las Vegas FHA Loan with this comprehensive guide by New American Funding. - [Leaders](https://www.newamericanfunding.com/careers/youreacloser/leaders/): NAF believes that success is a team effort. Our leaders are experienced professionals who are excited to share their knowledge with you so we can grow together. - [Home Loans | New American Funding (NAF)](https://www.newamericanfunding.com/loan-types/): NAF offers a variety of mortgage loan types including 30-year Fixed Rate, FHA, and VA loans as well as refinance options including HELOC and Cash-Out Refinance. - [Los Angeles, California FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/california/city/los-angeles/): Looking for a way to buy a home in Los Angeles, California? See all the requirements of an FHA Loan with this comprehensive guide by New American Funding. - [Louisiana DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/louisiana/): If you’re a Louisiana real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Louisiana USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/louisiana/): Are you looking to buy a home in Louisiana? A USDA home loan might be the answer. Learn about Louisiana USDA Loans with this comprehensive guide. - [Louisiana HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/louisiana/): If you’re a homeowner in Louisiana and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Louisiana FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/louisiana/): Looking for a way to buy a home in Louisiana? See all the requirements of a Louisiana FHA Loan with this comprehensive guide by New American Funding. - [Louisiana VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/louisiana/): Are you a veteran looking for a way to buy a home in Louisiana? See all the benefits and requirements of a Louisiana VA Loan with this comprehensive guide. - [Louisiana Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/louisiana/): Are you an Louisiana homeowner aged 62 or older? Louisiana homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Louisiana | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/louisiana/): Are you a homebuyer looking for down payment assistance in Louisiana? See the programs and benefits available in Louisiana with this comprehensive guide. - [Louisiana Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/louisiana/): Use our Louisiana mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Louisiana | New American Funding](https://www.newamericanfunding.com/refinance/state/louisiana/): Looking for information on refinancing your home loan in Louisiana? Read this comprehensive guide by New American Funding. - [Maine DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/maine/): If you’re a Maine real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Maine USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/maine/): Are you looking to buy a home in Maine? A USDA home loan might be the answer. Learn about Maine USDA Loans with this comprehensive guide. - [Maine HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/maine/): If you’re a homeowner in Maine and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Maine FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/maine/): Looking for a way to buy a home in Maine? See all the requirements of a Maine FHA Loan with this comprehensive guide by New American Funding - [Maine VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/maine/): Are you a veteran looking for a way to buy a home in Maine? See all the benefits and requirements of a Maine VA Loan with this comprehensive guide. - [Maine Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/maine/): Are you a Maine homeowner aged 62 or older? Maine homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Maine | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/maine/): Are you a homebuyer looking for down payment assistance in Maine? See the programs and benefits available in Maine with this comprehensive guide. - [Maine Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/maine/): Use our Maine mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Maine | New American Funding](https://www.newamericanfunding.com/refinance/state/maine/): Looking for information on refinancing your home loan in Maine? Read this comprehensive guide by New American Funding. - [Maryland DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/maryland/): If you’re a Maryland real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Maryland USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/maryland/): Are you looking to buy a home in Maryland? A USDA home loan might be the answer. Learn about Maryland USDA Loans with this comprehensive guide. - [Maryland HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/maryland/): If you’re a homeowner in Maryland and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Maryland FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/maryland/): Looking for a way to buy a home in Maryland? See all the requirements of a Maryland FHA Loan with this comprehensive guide by New American Funding. - [Maryland VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/maryland/): Are you a veteran looking for a way to buy a home in Maryland? See all the benefits and requirements of a Maryland VA Loan with this comprehensive guide. - [Maryland Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/maryland/): Are you a Maryland homeowner aged 62 or older? Maryland homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Maryland | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/maryland/): Are you a homebuyer looking for down payment assistance in Maryland? See the programs and benefits available in Maryland with this comprehensive guide. - [Maryland Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/maryland/): Use our Maryland mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Maryland | New American Funding](https://www.newamericanfunding.com/refinance/state/maryland/): Looking for information on refinancing your home loan in Maryland? Read this comprehensive guide by New American Funding. - [Massachusetts DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/massachusetts/): If you’re a Massachusetts real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Massachusetts USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/massachusetts/): Are you looking to buy a home in Massachusetts? A USDA home loan might be the answer. Learn about Massachusetts USDA Loans with this comprehensive guide. - [Massachusetts HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/massachusetts/): If you’re a homeowner in Massachusetts and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Massachusetts | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/massachusetts/): Looking for a way to buy a home in Massachusetts? See all the requirements of a Massachusetts FHA Loan with this comprehensive guide by New American Funding. - [Massachusetts VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/massachusetts/): Are you a veteran looking for a way to buy a home in Massachusetts? See all the benefits and requirements of a Massachusetts VA Loan with this guide. - [Massachusetts Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/massachusetts/): Are you a Massachusetts homeowner aged 62+? Massachusetts homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Massachusetts | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/massachusetts/): Are you a homebuyer looking for down payment assistance in Massachusetts? See programs and benefits available in Massachusetts with this comprehensive guide. - [Massachusetts Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/massachusetts/): Use our Massachusetts mortgage calculator to see how much you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Massachusetts | New American Funding](https://www.newamericanfunding.com/refinance/state/massachusetts/): Looking for information on refinancing your home loan in Massachusetts? Read this comprehensive guide by New American Funding. - [Michigan DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/michigan/): If you’re a Michigan real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Michigan USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/michigan/): Are you looking to buy a home in Michigan? A USDA home loan might be the answer. Learn about Michigan USDA Loans with this comprehensive guide. - [Michigan HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/michigan/): If you’re a homeowner in Michigan and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Michigan FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/michigan/): Looking for a way to buy a home in Michigan? See all the requirements of a Michigan FHA Loan with this comprehensive guide by New American Funding. - [Michigan VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/michigan/): Are you a veteran looking for a way to buy a home in Michigan? See all the benefits and requirements of a Michigan VA Loan with this comprehensive guide. - [Michigan Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/michigan/): Are you a Michigan homeowner aged 62 or older? Michigan homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Michigan | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/michigan/): Are you a homebuyer looking for down payment assistance in Michigan? See the programs and benefits available in Michigan with this comprehensive guide. - [Michigan Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/michigan/): Use our Michigan mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Michigan | New American Funding](https://www.newamericanfunding.com/refinance/state/michigan/): Looking for information on refinancing your home loan in Michigan? Read this comprehensive guide by New American Funding. - [Minnesota DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/minnesota/): If you’re a Minnesota real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Minnesota USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/minnesota/): Are you looking to buy a home in Minnesota? A USDA home loan might be the answer. Learn about Minnesota USDA Loans with this comprehensive guide. - [Minnesota HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/minnesota/): If you’re a homeowner in Minnesota and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Minnesota FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/minnesota/): Looking for a way to buy a home in Minnesota? See all the requirements of a Minnesota FHA Loan with this comprehensive guide by New American Funding. - [Minnesota VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/minnesota/): Are you a veteran looking for a way to buy a home in Minnesota? See all the benefits and requirements of a Minnesota VA Loan with this comprehensive guide. - [Minnesota Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/minnesota/): Are you a Minnesota homeowner aged 62 or older? Minnesota homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Minnesota | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/minnesota/): Are you a homebuyer looking for down payment assistance in Minnesota? See the programs and benefits available in Minnesota with this comprehensive guide. - [Minnesota Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/minnesota/): Use our Minnesota mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Minnesota | New American Funding](https://www.newamericanfunding.com/refinance/state/minnesota/): Looking for information on refinancing your home loan in Minnesota? Read this comprehensive guide by New American Funding. - [Mississippi DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/mississippi/): If you’re a Mississippi real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Mississippi USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/mississippi/): Are you looking to buy a home in Mississippi? A USDA home loan might be the answer. Learn about Mississippi USDA Loans with this comprehensive guide. - [Mississippi HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/mississippi/): If you’re a homeowner in Mississippi and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Mississippi FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/mississippi/): Looking for a way to buy a home in Mississippi? See all Mississippi FHA Loan requirements with this comprehensive guide by New American Funding - [Mississippi VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/mississippi/): Are you a veteran looking for a way to buy a home in Mississippi? See all the benefits and requirements of a Mississippi VA Loan with this comprehensive guide. - [Mississippi Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/mississippi/): Are you a Mississippi homeowner aged 62+? Mississippi homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Mississippi | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/mississippi/): Are you a homebuyer looking for down payment assistance in Mississippi? See the programs and benefits available in Mississippi with this comprehensive guide. - [Mississippi Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/mississippi/): Use our Mississippi mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Mississippi | New American Funding](https://www.newamericanfunding.com/refinance/state/mississippi/): Looking for information on refinancing your home loan in Mississippi? Read this comprehensive guide by New American Funding. - [Missouri DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/missouri/): If you’re a Missouri real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Missouri USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/missouri/): Are you looking to buy a home in Missouri? A USDA home loan might be the answer. Learn about Missouri USDA Loans with this comprehensive guide. - [Missouri HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/missouri/): If you’re a homeowner in Missouri and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Missouri FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/missouri/): Explore Missouri FHA loan requirements, benefits, loan limits, and down payment options with New American Funding. Learn how to qualify. - [Missouri VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/missouri/): Are you a veteran looking for a way to buy a home in Missouri? See all the benefits and requirements of a Missouri VA Loan with this comprehensive guide. - [Missouri Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/missouri/): Are you a Missouri homeowner aged 62 or older? Missouri homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Missouri | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/missouri/): Are you a homebuyer looking for down payment assistance in Missouri? See the programs and benefits available in Missouri with this comprehensive guide. - [Missouri Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/missouri/): Use our Missouri mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Missouri | New American Funding](https://www.newamericanfunding.com/refinance/state/missouri/): Looking for information on refinancing your home loan in Missouri? Read this comprehensive guide by New American Funding. - [Montana DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/montana/): If you’re a Montana real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Montana USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/montana/): Are you looking to buy a home in Montana? A USDA home loan might be the answer. Learn about Montana USDA Loans with this comprehensive guide. - [Montana HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/montana/): If you’re a homeowner in Montana and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Montana | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/montana/): Looking for a way to buy a home in Montana? See all Montana FHA Loan requirements with this comprehensive guide by New American Funding. - [Montana VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/montana/): Are you a veteran looking for a way to buy a home in Montana? See all the benefits and requirements of a Montana VA Loan with this comprehensive guide. - [Montana Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/montana/): Are you a Montana homeowner aged 62 or older? Montana homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Montana | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/montana/): Are you a homebuyer looking for down payment assistance in Montana? See the programs and benefits available in Montana with this comprehensive guide. - [Montana Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/montana/): Use our Montana mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Montana | New American Funding](https://www.newamericanfunding.com/refinance/state/montana/): Looking for information on refinancing your home loan in Montana? Read this comprehensive guide by New American Funding. - [Mortgage Calculator](https://www.newamericanfunding.com/calculators/mortgage-calculator/): Use our mortgage calculator to estimate your monthly mortgage payments including your loan term, property taxes, and homeowners insurance. - [Mortgage LeadHERship](https://www.newamericanfunding.com/careers/youreacloser/mortgage-leadhership/): Find out how New American Funding empowers women. Read about how our female CEO and President are breaking barriers in the mortgage industry. - [Mortgage Rates | Today's Mortgage Rates | New American Funding](https://www.newamericanfunding.com/mortgage-rates/): Looking for today's mortgage rates? Compare current home loan interest rates and learn about the factors that contribute to them. - [My Portal](https://www.newamericanfunding.com/my-portal/): Already have an account with NAF? This is your account portal where you can manage both your loan application and your loan. - [NAF Black Impact](https://www.newamericanfunding.com/about-us/naf-promise/naf-black-impact/): Discover NAF Black Impact, New American Funding's commitment to empowering Black homebuyers and creating equitable homeownership opportunities. - [NAF Heroes](https://www.newamericanfunding.com/about-us/naf-promise/naf-heroes/): Discover how New American Funding helps Veterans, active-duty service members, and military families achieve homeownership with VA loans. - [NAF India](https://www.newamericanfunding.com/careers/naf-india/): Learn about what technical roles are open at NAF India and find out the benefits of working for New American Funding. - [NAF Latino Focus](https://www.newamericanfunding.com/about-us/naf-promise/naf-latino-focus/): Discover NAF Latino Focus, New American Funding's commitment to empowering Latino homebuyers and expanding homeownership opportunities for Latino families. - [NAF Pride](https://www.newamericanfunding.com/about-us/naf-promise/naf-pride/): Discover how NAF Pride supports LGBTQ+ homebuyers with personalized mortgage guidance and a commitment to inclusive homeownership. - [Nebraska DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/nebraska/): If you’re a Nebraska real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Nebraska USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/nebraska/): Are you looking to buy a home in Nebraska? A USDA home loan might be the answer. Learn about Nebraska USDA Loans with this comprehensive guide. - [Nebraska HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/nebraska/): If you’re a homeowner in Nebraska and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Nebraska FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/nebraska/): Looking for a way to buy a home in Nebraska? See all Nebraska FHA Loan requirements with this comprehensive guide by New American Funding. - [Nebraska VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/nebraska/): Are you a veteran looking for a way to buy a home in Nebraska? See all the requirements and benefits of a Nebraska VA Loan with this comprehensive guide. - [Nebraska Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/nebraska/): Are you a Nebraska homeowner aged 62 or older? Nebraska homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Nebraska | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/nebraska/): Are you a homebuyer looking for down payment assistance in Nebraska? See the programs and benefits available in Nebraska with this comprehensive guide. - [Nebraska Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/nebraska/): Use our Nebraska mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Nebraska | New American Funding](https://www.newamericanfunding.com/refinance/state/nebraska/): Looking for information on refinancing your home loan in Nebraska? Read this comprehensive guide by New American Funding. - [Nevada DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/nevada/): If you’re a Nevada real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Nevada USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/nevada/): Are you looking to buy a home in Nevada? A USDA home loan might be the answer. Learn about Nevada USDA Loans with this comprehensive guide. - [Nevada HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/nevada/): If you’re a homeowner in Nevada and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Nevada FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/nevada/): Looking for a way to buy a home in Nevada? See all the requirements of a Nevada FHA Loan with this comprehensive guide by New American Funding. - [Nevada VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/nevada/): Are you a veteran looking for a way to buy a home in Nevada? See all the benefits and requirements of a Nevada VA Loan with this comprehensive guide. - [Nevada Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/nevada/): Are you a Nevada homeowner aged 62 or older? Nevada homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Nevada | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/nevada/): Are you a homebuyer looking for down payment assistance in Nevada? See the programs and benefits available in Nevada with this comprehensive guide. - [Nevada Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/nevada/): Use our Nevada mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Nevada | New American Funding](https://www.newamericanfunding.com/refinance/state/nevada/): Looking for information on refinancing your home loan in Nevada? Read this comprehensive guide by New American Funding. - [New Hampshire DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/newhampshire/): If you’re a New Hampshire real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [New Hampshire USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/newhampshire/): Are you looking to buy a home in New Hampshire? A USDA home loan might be the answer. Learn about New Hampshire USDA Loans with this comprehensive guide. - [New Hampshire HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/new-hampshire/): If you’re a homeowner in New Hampshire and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [New Hampshire FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/new-hampshire/): Looking for a way to buy a home in New Hampshire? See all New Hampshire FHA Loan requirements with this comprehensive guide by New American Funding. - [New Hampshire VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/new-hampshire/): Are you a veteran looking for a way to buy a home in New Hampshire? See all the benefits and requirements of a New Hampshire VA Loan with this guide. - [New Hampshire Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/newhampshire/): Are you a New Hampshire homeowner aged 62+? New Hampshire homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in New Hampshire | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/newhampshire/): Are you a homebuyer looking for down payment assistance in New Hampshire? See programs and benefits available in New Hampshire with this comprehensive guide. - [New Hampshire Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/new-hampshire/): Use our New Hampshire mortgage calculator to see how much you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in New Hampshire | New American Funding](https://www.newamericanfunding.com/refinance/state/newhampshire/): Looking for information on refinancing your home loan in New Hampshire? Read this comprehensive guide by New American Funding. - [New Jersey DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/newjersey/): If you’re a New Jersey real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [New Jersey USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/newjersey/): Are you looking to buy a home in New Jersey? A USDA home loan might be the answer. Learn about New Jersey USDA Loans with this comprehensive guide. - [New Jersey HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/new-jersey/): If you’re a homeowner in New Jersey and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [New Jersey FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/new-jersey/): Looking for a way to buy a home in New Jersey? See all New Jersey FHA Loan requirements with this comprehensive guide by New American Funding. - [New Jersey VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/new-jersey/): Are you a veteran looking for a way to buy a home in New Jersey? See all the benefits and requirements of a New Jersey VA Loan with this comprehensive guide. - [New Jersey Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/newjersey/): Are you a New Jersey homeowner aged 62+? New Jersey homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in New Jersey | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/newjersey/): Are you a homebuyer looking for down payment assistance in New Jersey? See the programs and benefits available in New Jersey with this comprehensive guide. - [New Jersey Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/new-jersey/): Use our New Jersey mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in New Jersey | New American Funding](https://www.newamericanfunding.com/refinance/state/newjersey/): Looking for information on refinancing your home loan in New Jersey? Read this comprehensive guide by New American Funding. - [New Mexico DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/newmexico/): If you’re a New Mexico real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [New Mexico USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/newmexico/): Are you looking to buy a home in New Mexico? A USDA home loan might be the answer. Learn about New Mexico USDA Loans with this comprehensive guide. - [New Mexico HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/new-mexico/): If you’re a homeowner in New Mexico and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [New Mexico FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/new-mexico/): Looking for a way to buy a home in New Mexico? See all New Mexico FHA Loan requirements with this comprehensive guide by New American Funding. - [New Mexico VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/new-mexico/): Are you a veteran looking for a way to buy a home in New Mexico? See all the benefits and requirements of a New Mexico VA Loan with this comprehensive guide. - [New Mexico Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/newmexico/): Are you a New Mexico homeowner aged 62+? New Mexico homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in New Mexico | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/newmexico/): Are you a homebuyer looking for down payment assistance in New Mexico? See the programs and benefits available in New Mexico with this comprehensive guide. - [New Mexico Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/new-mexico/): Use our New Mexico mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in New Mexico | New American Funding](https://www.newamericanfunding.com/refinance/state/newmexico/): Looking for information on refinancing your home loan in New Mexico? Read this comprehensive guide by New American Funding. - [New York DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/newyork/): If you’re a New York real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [New York USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/newyork/): Are you looking to buy a home in New York? A USDA home loan might be the answer. Learn about New York USDA Loans with this comprehensive guide. - [New York HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/new-york/): If you’re a homeowner in New York and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [New York FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/new-york/): Looking for a way to buy a home in New York? See all New York FHA Loan requirements with this comprehensive guide by New American Funding. - [New York VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/new-york/): Are you a veteran looking for a way to buy a home in New York? See all the benefits and requirements of a New York VA Loan with this comprehensive guide. - [New York Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/newyork/): Are you a New York homeowner aged 62+? New York homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in New York | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/newyork/): Are you a homebuyer looking for down payment assistance in New York? See the programs and benefits available in New York with this comprehensive guide. - [New York Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/new-york/): Use our New York mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in New York | New American Funding](https://www.newamericanfunding.com/refinance/state/newyork/): Looking for information on refinancing your home loan in New York? Read this comprehensive guide by New American Funding. - [New York City, New York FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/new-york/city/NewYorkCity/): Looking for a way to buy a home in New York City? See all the requirements of a New York City FHA Loan with this comprehensive guide by New American Funding. - [Non-QM Loan | Non-QM Requirements and Benefits | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/): Non-QM loans: flexible financing for self-employed, investors, or unique income. Discover alternative paths to homeownership with tailored solutions. - [North Carolina DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/northcarolina/): If you’re a North Carolina real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [North Carolina USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/northcarolina/): Are you looking to buy a home in North Carolina? A USDA home loan might be the answer. Learn about North Carolina USDA Loans with this comprehensive guide. - [North Carolina HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/north-carolina/): If you’re a homeowner in North Carolina and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC - [North Carolina FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/north-carolina/): Looking for a way to buy a home in North Carolina? See all North Carolina FHA Loan requirements with this comprehensive guide by New American Funding. - [North Carolina VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/north-carolina/): Are you a veteran looking for a way to buy a home in North Carolina? See all the benefits and requirements of a North Carolina VA Loan with this guide. - [North Carolina Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/northcarolina/): Are you a North Carolina homeowner age 62+? North Carolina homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in North Carolina | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/northcarolina/): Are you a homebuyer looking for down payment assistance in North Carolina? See programs and benefits available in North Carolina with this comprehensive guide. - [North Carolina Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/north-carolina/): Use our North Carolina mortgage calculator to see how much you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in North Carolina | New American Funding](https://www.newamericanfunding.com/refinance/state/northcarolina/): Looking for information on refinancing your home loan in North Carolina? Read this comprehensive guide by New American Funding. - [North Dakota DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/northdakota/): If you’re a North Dakota real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [North Dakota USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/northdakota/): Are you looking to buy a home in North Dakota? A USDA home loan might be the answer. Learn about North Dakota USDA Loans with this comprehensive guide. - [North Dakota HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/north-dakota/): If you’re a homeowner in North Dakota and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [North Dakota FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/north-dakota/): Looking for a way to buy a home in North Dakota? See all North Dakota FHA Loan requirements with this comprehensive guide by New American Funding. - [North Dakota VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/north-dakota/): Are you a veteran looking for a way to buy a home in North Dakota? See all the benefits and requirements of a North Dakota VA Loan with this guide. - [North Dakota Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/northdakota/): Are you a North Dakota homeowner aged 62+? North Dakota homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in North Dakota | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/northdakota/): Are you a homebuyer looking for down payment assistance in North Dakota? See the programs and benefits available in North Dakota with this comprehensive guide. - [North Dakota Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/north-dakota/): Use our North Dakota mortgage calculator to see how much you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in North Dakota | New American Funding](https://www.newamericanfunding.com/refinance/state/northdakota/): Looking for information on refinancing your home loan in North Dakota? Read this comprehensive guide by New American Funding. - [Ohio DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/ohio/): If you’re an Ohio real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Ohio USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/ohio/): Are you looking to buy a home in Ohio? A USDA home loan might be the answer. Learn about Ohio USDA Loans with this comprehensive guide. - [Ohio HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/ohio/): If you’re a homeowner in Ohio and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Ohio FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/ohio/): Looking for a way to buy a home in Ohio? See all Ohio FHA Loan requirements with this comprehensive guide by New American Funding. - [Ohio VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/ohio/): Are you a veteran looking for a way to buy a home in Ohio? See all the benefits and requirements of a Ohio VA Loan with this comprehensive guide. - [Ohio Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/ohio/): Are you an Ohio homeowner aged 62+? Ohio homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Ohio | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/ohio/): Are you a homebuyer looking for down payment assistance in Ohio? See the programs and benefits available in Ohio with this comprehensive guide. - [Ohio Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/ohio/): Use our Ohio mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Ohio | New American Funding](https://www.newamericanfunding.com/refinance/state/ohio/): Looking for information on refinancing your home loan in Ohio? Read this comprehensive guide by New American Funding. - [Oklahoma DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/oklahoma/): If you’re an Oklahoma real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Oklahoma USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/oklahoma/): Are you looking to buy a home in Oklahoma? A USDA home loan might be the answer. Learn about Oklahoma USDA Loans with this comprehensive guide. - [Oklahoma HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/oklahoma/): If you’re a homeowner in Oklahoma and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Oklahoma FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/oklahoma/): Looking for a way to buy a home in Oklahoma? See all Oklahoma FHA Loan requirements with this comprehensive guide by New American Funding. - [Oklahoma VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/oklahoma/): Are you a veteran looking for a way to buy a home in Oklahoma? See all the benefits and requirements of a Oklahoma VA Loan with this comprehensive guide. - [Oklahoma Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/oklahoma/): Are you an Oklahoma homeowner aged 62+? Oklahoma homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Oklahoma | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/oklahoma/): Are you a homebuyer looking for down payment assistance in Oklahoma? See the programs and benefits available in Oklahoma with this comprehensive guide. - [Oklahoma Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/oklahoma/): Use our Oklahoma mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Oklahoma | New American Funding](https://www.newamericanfunding.com/refinance/state/oklahoma/): Looking for information on refinancing your home loan in Oklahoma? Read this comprehensive guide by New American Funding. - [Oklahoma City, Oklahoma FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/oklahoma/city/OklahomaCity/): Looking for a way to buy a home in Oklahoma City? See all the requirements of a Oklahoma City FHA Loan with this comprehensive guide by New American Funding. - [One-Time Close Construction Loan](https://www.newamericanfunding.com/loan-types/one-time-close-construction-loan/): A One-Time Close Construction loan simplifies building a home by combining the construction loan and permanent mortgage into one single loan. - [Oregon DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/oregon/): If you’re an Oregon real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Oregon USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/oregon/): Are you looking to buy a home in Oregon? A USDA home loan might be the answer. Learn about Oregon USDA Loans with this comprehensive guide. - [Oregon HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/oregon/): If you’re a homeowner in Oregon and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Oregon FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/oregon/): Looking for a way to buy a home in Oregon? See all Oregon FHA Loan requirements with this comprehensive guide by New American Funding. - [Oregon VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/oregon/): Are you a veteran looking for a way to buy a home in Oregon? See all the benefits and requirements of a Oregon VA Loan with this comprehensive guide. - [Oregon Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/oregon/): Are you an Oregon homeowner aged 62+? Oregon homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Oregon | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/oregon/): Are you a homebuyer looking for down payment assistance in Oregon? See the programs and benefits available in Oregon with this comprehensive guide. - [Oregon Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/oregon/): Use our Oregon mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Oregon | New American Funding](https://www.newamericanfunding.com/refinance/state/oregon/): Looking for information on refinancing your home loan in Oregon? Read this comprehensive guide by New American Funding. - [Pennsylvania DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/pennsylvania/): If you’re a Pennsylvania real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Pennsylvania USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/pennsylvania/): Are you looking to buy a home in Pennsylvania? A USDA home loan might be the answer. Learn about Pennsylvania USDA Loans with this comprehensive guide. - [Pennsylvania HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/pennsylvania/): If you’re a homeowner in Pennsylvania and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Pennsylvania FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/pennsylvania/): Looking for a way to buy a home in Pennsylvania? See all Pennsylvania FHA Loan requirements with this comprehensive guide by New American Funding. - [Pennsylvania VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/pennsylvania/): Are you a veteran looking for a way to buy a home in Pennsylvania? See all the benefits and requirements of a Pennsylvania VA Loan with this guide. - [Pennsylvania Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/pennsylvania/): Are you a Pennsylvania homeowner aged 62+? Pennsylvania homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Pennsylvania | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/pennsylvania/): Are you a homebuyer looking for down payment assistance in Pennsylvania? See the programs and benefits available in Pennsylvania with this comprehensive guide. - [Pennsylvania Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/pennsylvania/): Use our Pennsylvania mortgage calculator to see how much you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Pennsylvania | New American Funding](https://www.newamericanfunding.com/refinance/state/pennsylvania/): Looking for information on refinancing your home loan in Pennsylvania? Read this comprehensive guide by New American Funding. - [Philadelphia, Pennsylvania FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/pennsylvania/city/philadelphia/): Looking for a way to buy a home in Philadelphia? See all the requirements of a Philadelphia FHA Loan with this comprehensive guide by New American Funding. - [Phoenix, Arizona FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/arizona/city/phoenix/): Looking for a way to buy a home in Phoenix, Arizona? See all the requirements of a Phoenix FHA Loan with this comprehensive guide by New American Funding. - [Phoenix, Arizona USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/arizona/city/phoenix/): Are you looking to buy a home in Phoenix, Arizona? A USDA home loan might be the answer. Learn about Phoenix USDA Loans with this comprehensive guide. - [ProLO Loan Officer Training Program | New American Funding](https://www.newamericanfunding.com/careers/prolo/): Learn how to become a loan officer with New American Funding’s unique mortgage loan officer training program, ProLO. - [Puerto Rico USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/puertorico/): Are you looking to buy a home in Puerto Rico? A USDA home loan might be the answer. Learn about Puerto Rico USDA Loans with this comprehensive guide. - [Puerto Rico VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/PuertoRico/): Are you a veteran looking to buy a home in Puerto Rico? See all the requirements and benefits of a Puerto Rico VA Loan with this comprehensive guide. - [Puerto Rico HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/puerto-rico/): If you’re a homeowner in Puerto Rico and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Puerto Rico](https://www.newamericanfunding.com/loan-types/fha-loan/state/PuertoRico/): Known for its beautiful beaches, rich history, and vibrant culture, Puerto Rico offers homebuyers a unique island lifestyle. - [Puerto Rico Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/puertorico/): Are you a Puerto Rico homeowner aged 62+? Puerto Rico homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Mortgage Refinancing in Puerto Rico | New American Funding](https://www.newamericanfunding.com/refinance/state/puertorico/): Looking for information on refinancing your home loan in Puerto Rico? Read this comprehensive guide by New American Funding. - [Quitclaim Property Transfer](https://www.newamericanfunding.com/loan-types/quitclaim-property-transfer/): A Quitclaim Deed transfers an owner's interest in property—whether that's land, a house, or other real estate—from one person to another. - [Real Estate Agents](https://www.newamericanfunding.com/real-estate-agents/): Partner with New American Funding to grow your real estate business with innovative mortgage technology, diverse loan programs, and reliable closings. - [Refinance | Mortgage Refinance | New American Funding](https://www.newamericanfunding.com/refinance/): Learn how to refinance your mortgage. NAF can help you unlock your home equity with one of our refinance loans including a Cash-Out Refinance or HELOC. - [Refinance by State | New American Funding](https://www.newamericanfunding.com/refinance/state/): Explore mortgage refinancing by state with New American Funding. Learn about refinance loan options, requirements, and ways to save on your mortgage. - [Refinance Calculator](https://www.newamericanfunding.com/calculators/refinance-calculator/): Use our mortgage refinance calculator to estimate your new monthly mortgage payment if you refinance your home. - [Reverse Mortgage](https://www.newamericanfunding.com/loan-types/reverse-mortgage/): A Reverse mortgage is a home loan that lets homeowners 62 and over tap into their equity. Find out if a Reverse mortgage may be right for you. - [Reverse Mortgage by State | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/): Explore reverse mortgages by state with New American Funding. Learn about eligibility requirements, benefits, and options for accessing your home equity. - [Reviews](https://www.newamericanfunding.com/reviews/): Read New American Funding reviews from real customers. - [Rhode Island DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/rhodeisland/): If you’re a Rhode Island real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Rhode Island USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/rhodeisland/): Are you looking to buy a home in Rhode Island? A USDA home loan might be the answer. Learn about Rhode Island USDA Loans with this comprehensive guide. - [Rhode Island HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/rhode-island/): If you’re a homeowner in Rhode Island and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Rhode Island FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/rhode-island/): Looking for a way to buy a home in Rhode Island? See all Rhode Island FHA Loan requirements with this comprehensive guide by New American Funding. - [Rhode Island VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/rhode-island/): Are you a veteran looking for a way to buy a home in Rhode Island? See all the benefits and requirements of a Rhode Island VA Loan with this guide. - [Rhode Island Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/rhodeisland/): Are you a Rhode Island homeowner aged 62+? Rhode Island homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Rhode Island | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/rhodeisland/): Are you a homebuyer looking for down payment assistance in Rhode Island? See the programs and benefits available in Rhode Island with this comprehensive guide. - [Rhode Island Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/rhode-island/): Use our Rhode Island mortgage calculator to see how much you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in Rhode Island | New American Funding](https://www.newamericanfunding.com/refinance/state/rhodeisland/): Looking for information on refinancing your home loan in Rhode Island? Read this comprehensive guide by New American Funding. - [Salt Lake City, Utah FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/utah/city/SaltLakeCity/): Looking for a way to buy a home in Salt Lake City? See all the requirements of a Salt Lake City FHA Loan with this comprehensive guide by New American Funding. - [San Antonio, Texas FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/texas/city/san-antonio/): Looking for a way to buy a home in San Antonio, Texas? See all the requirements of a San Antonio FHA Loan with this comprehensive guide by New American Funding. - [San Diego, California FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/california/city/san-diego/): Looking for a way to buy a home in San Diego, California? See all the requirements of an FHA Loan with this comprehensive guide by New American Funding. - [San Jose, California FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/california/city/san-jose/): Looking for a way to buy a home in San Jose, California? See all the requirements of a San Jose FHA Loan with this comprehensive guide by New American Funding. - [Second Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/second-mortgage/): Unlock your home's equity with a second mortgage. Get cash for home improvements, debt consolidation, or other financial goals. Explore your options today. - [Self-Employed Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/self-employed/): A Self-Employed mortgage is ideal for gig workers, entrepreneurs, and other non W-2 workers. Find out how a Self-Employed mortgage might help you own a home. - [Services](https://www.newamericanfunding.com/services/): New American Funding offers services like NAF Cash and NAF Insurance to support borrowers on every step of their homebuying journey. - [South Carolina DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/southcarolina/): If you’re a South Carolina real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [South Carolina USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/southcarolina/): Are you looking to buy a home in South Carolina? A USDA home loan might be the answer. Learn about South Carolina USDA Loans with this comprehensive guide. - [South Carolina HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/south-carolina/): If you’re a homeowner in South Carolina and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC - [South Carolina FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/south-carolina/): Looking for a way to buy a home in South Carolina? See all South Carolina FHA Loan requirements with this comprehensive guide by New American Funding. - [South Carolina VA Loan](https://www.newamericanfunding.com/loan-types/va-loan/state/south-carolina/): Are you a veteran looking for a way to buy a home in South Carolina? See all the benefits and requirements of a South Carolina VA Loan with this guide. - [South Carolina Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/southcarolina/): Are you a South Carolina homeowner age 62+? South Carolina homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in South Carolina | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/southcarolina/): Are you a homebuyer looking for down payment assistance in South Carolina? See programs and benefits available in South Carolina with this comprehensive guide. - [South Carolina Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/south-carolina/): Use our South Carolina mortgage calculator to see how much you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in South Carolina | New American Funding](https://www.newamericanfunding.com/refinance/state/southcarolina/): Looking for information on refinancing your home loan in South Carolina? Read this comprehensive guide by New American Funding. - [South Dakota DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/southdakota/): If you’re a South Dakota real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [South Dakota USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/southdakota/): Are you looking to buy a home in South Dakota? A USDA home loan might be the answer. Learn about South Dakota USDA Loans with this comprehensive guide. - [South Dakota HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/south-dakota/): If you’re a homeowner in South Dakota and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [South Dakota](https://www.newamericanfunding.com/loan-types/fha-loan/state/south-dakota/): Explore South Dakota FHA loan requirements, benefits, loan limits, and down payment options with New American Funding. Learn how to qualify. - [South Dakota VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/south-dakota/): Are you a Veteran looking for a way to buy a home in South Dakota? See all the requirements and benefits of a South Dakota VA Loan with this guide. - [South Dakota Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/southdakota/): Are you a South Dakota homeowner age 62+? South Dakota homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in South Dakota | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/southdakota/): Are you a homebuyer looking for down payment assistance in South Dakota? See the programs and benefits available in South Dakota with this comprehensive guide. - [South Dakota Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/south-dakota/): Use our South Dakota mortgage calculator to see how much you can afford and understand how things like your down payment amount can affect your home loan. - [Mortgage Refinancing in South Dakota | New American Funding](https://www.newamericanfunding.com/refinance/state/southdakota/): Looking for information on refinancing your home loan in South Dakota? Read this comprehensive guide by New American Funding. - [DSCR Loan by State | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/): Explore DSCR loans by state with New American Funding. - [Technology](https://www.newamericanfunding.com/careers/youreacloser/technology/): NAF uses innovative technologies, like a digital mortgage application, to simplify the mortgage lending process for both our loan officers and our clients. - [Tennessee DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/tennessee/): If you’re a Tennessee real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Tennessee USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/tennessee/): Are you looking to buy a home in Tennessee? A USDA home loan might be the answer. Learn about Tennessee USDA Loans with this comprehensive guide. - [Tennessee HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/tennessee/): If you’re a homeowner in Tennessee and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Tennessee FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/tennessee/): Looking for a way to buy a home in Tennessee? See all Tennessee FHA Loan requirements with this comprehensive guide by New American Funding. - [Tennessee VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/tennessee/): Are you a veteran looking for a way to buy a home in Tennessee? See all the benefits and requirements of a Tennessee VA Loan with this comprehensive guide. - [Tennessee Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/tennessee/): Are you a Tennessee homeowner age 62+? Tennessee homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Tennessee | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/tennessee/): Are you a homebuyer looking for down payment assistance in Tennessee? See the programs and benefits available in Tennessee with this comprehensive guide. - [Mortgage Refinancing in Tennessee | New American Funding](https://www.newamericanfunding.com/refinance/state/tennessee/): Looking for information on refinancing your home loan in Tennessee? Read this comprehensive guide by New American Funding. - [Tennessee Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/tennessee/): Use our Tennessee mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Texas DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/texas/): If you’re a Texas real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Texas USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/texas/): Are you looking to buy a home in Texas? A USDA home loan might be the answer. Learn about Texas USDA Loans with this comprehensive guide. - [Texas HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/texas/): If you’re a homeowner in Texas and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Texas FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/texas/): Looking for a way to buy a home in Texas? See all Texas FHA Loan requirements with this comprehensive guide by New American Funding. - [Texas VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/texas/): Are you a veteran looking for a way to buy a home in Texas? See all the benefits and requirements of a Texas VA Loan with this comprehensive guide. - [Texas Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/texas/): Are you a Texas homeowner age 62+? Texas homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Texas | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/texas/): Are you a homebuyer looking for down payment assistance in Texas? See the programs and benefits available in Texas with this comprehensive guide. - [Mortgage Refinancing in Texas | New American Funding](https://www.newamericanfunding.com/refinance/state/texas/): Looking for information on refinancing your home loan in Texas? Read this comprehensive guide by New American Funding. - [Texas Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/texas/): Use our Texas mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Thank You](https://www.newamericanfunding.com/careers/youreacloser/mortgage-leadhership/thank-you/) - [Thank You](https://www.newamericanfunding.com/careers/thank-you/) - [Thank You NAF India](https://www.newamericanfunding.com/careers/thank-you-naf-india/) - [Top Producers](https://www.newamericanfunding.com/careers/youreacloser/top-producers/): NAF honors our top performers by taking our President's Council members on an exclusive retreat every year to a luxury destination. - [Tucson, Arizona USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/arizona/city/tucson/): Are you looking to buy a home in Tucson, Arizona? A USDA home loan might be the answer. Learn about Tucson USDA Loans with this comprehensive guide. - [USDA Loan | USDA Requirements and Advantages | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/): USDA loans come with several advantages including 100% financing and no down payment. Find out if USDA loans may be right for your needs. - [USDA Loan by State | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/): Explore USDA loans by state with New American Funding. Learn about USDA loan requirements, benefits, eligibility, and zero down payment options for homebuyers. - [Utah DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/utah/): If you’re a Utah real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Utah USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/utah/): Are you looking to buy a home in Utah? A USDA home loan might be the answer. Learn about Utah USDA Loans with this comprehensive guide. - [Utah HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/utah/): If you’re a homeowner in Utah and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Utah FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/utah/): Looking for a way to buy a home in Utah? See all Utah FHA Loan requirements with this comprehensive guide by New American Funding. - [Utah VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/utah/): Are you a veteran looking for a way to buy a home in Utah? See all the benefits and requirements of a Utah VA Loan with this comprehensive guide. - [Utah Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/utah/): Are you a Utah homeowner age 62+? Utah homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Utah | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/utah/): Are you a homebuyer looking for down payment assistance in Utah? See the programs and benefits available in Utah with this comprehensive guide. - [Mortgage Refinancing in Utah | New American Funding](https://www.newamericanfunding.com/refinance/state/utah/): Looking for information on refinancing your home loan in Utah? Read this comprehensive guide by New American Funding. - [Utah Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/utah/): Use our Utah mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [VA Loan | VA Requirements and Benefits | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/): A VA loan offers many benefits to veterans, military service-members, and their families. Find out if you're eligible and if a VA may be right for you. - [VA Loan by State | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/): Explore VA loans by state with New American Funding. Learn about VA loan requirements, benefits, and homebuying opportunities for Veterans. - [Vermont DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/vermont/): If you’re a Vermont real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Vermont USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/vermont/): Are you looking to buy a home in Vermont? A USDA home loan might be the answer. Learn about Vermont USDA Loans with this comprehensive guide. - [Vermont HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/vermont/): If you’re a homeowner in Vermont and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Vermont FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/vermont/): Looking for a way to buy a home in Vermont? See all Vermont FHA Loan requirements with this comprehensive guide by New American Funding. - [Vermont VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/vermont/): re you a veteran looking for a way to buy a home in Vermont? See all the benefits and requirements of a Vermont VA Loan with this comprehensive guide. - [Vermont Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/vermont/): Are you a Vermont homeowner age 62+? Vermont homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Vermont | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/vermont/): Are you a homebuyer looking for down payment assistance in Vermont? See the programs and benefits available in Vermont with this comprehensive guide. - [Mortgage Refinancing in Vermont | New American Funding](https://www.newamericanfunding.com/refinance/state/vermont/): Looking for information on refinancing your home loan in Vermont? Read this comprehensive guide by New American Funding. - [Vermont Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/vermont/): Use our Vermont mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Virginia DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/virginia/): If you’re a Virginia real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Virginia USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/virginia/): Are you looking to buy a home in Virginia? A USDA home loan might be the answer. Learn about Virginia USDA Loans with this comprehensive guide. - [Virginia HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/virginia/): If you’re a homeowner in Virginia and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Virginia FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/virginia/): Looking for a way to buy a home in Virginia? See all Virginia FHA Loan requirements with this comprehensive guide by New American Funding. - [Virginia VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/virginia/): Are you a veteran looking for a way to buy a home in Virginia? See all the benefits and requirements of a Virginia VA Loan with this comprehensive guide. - [Virginia Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/virginia/): Are you a Virginia homeowner age 62+? Virginia homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Virginia | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/virginia/): Are you a homebuyer looking for down payment assistance in Virginia? See the programs and benefits available in Virginia with this comprehensive guide. - [Mortgage Refinancing in Virginia | New American Funding](https://www.newamericanfunding.com/refinance/state/virginia/): Looking for information on refinancing your home loan in Virginia? Read this comprehensive guide by New American Funding. - [Virginia Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/virginia/): Use our Virginia mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Washington DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/washington/): If you’re a Washington real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Washington USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/washington/): Are you looking to buy a home in Washington? A USDA home loan might be the answer. Learn about Washington USDA Loans with this comprehensive guide. - [Washington HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/washington/): If you’re a homeowner in Washington and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Washington FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/washington/): Looking for a way to buy a home in Washington? See all Washington FHA Loan requirements with this comprehensive guide by New American Fundin - [Washington](https://www.newamericanfunding.com/loan-types/va-loan/state/washington/): Are you a veteran looking for a way to buy a home in Washington? See all the benefits and requirements of a Washington VA Loan with this guide. - [Washington Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/washington/): Are you a Washington homeowner age 62+? Washington homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Washington | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/washington/): Are you a homebuyer looking for down payment assistance in Washington? See the programs and benefits available in Washington with this comprehensive guide. - [Mortgage Refinancing in Washington | New American Funding](https://www.newamericanfunding.com/refinance/state/washington/): Looking for information on refinancing your home loan in Washington? Read this comprehensive guide by New American Funding. - [Washington Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/washington/): Use our Washington mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Washington D.C. DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/washingtondc/): If you’re a Washington D.C. real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Washington D.C. Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/washingtondc/): Are you a Washington DC homeowner age 62+? Washington DC homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Mortgage Refinancing in Washington D.C. | New American Funding](https://www.newamericanfunding.com/refinance/state/washingtondc/): Looking for information on refinancing your home loan in Washington D.C.? Read this comprehensive guide by New American Funding. - [Washington, D.C. VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/WashingtonDC/): Are you a veteran looking to buy a home in Washington, D.C.? See all the requirements and benefits of a Washington, D.C. VA Loan with this comprehensive guide. - [Washington, D.C. HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/washingtondc/): If you're a homeowner in Washington, D.C. and hope to fund a home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Washington, D.C. FHA Loan](https://www.newamericanfunding.com/loan-types/fha-loan/state/washingtondc/): Explore Washington, D.C. FHA loan requirements, benefits, loan limits, and down payment options with New American Funding. Learn how to qualify. - [Down Payment Assistance in Washington, D.C. | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/washingtondc/): Are you a homebuyer looking for down payment assistance in Washington, D.C.? See Washington, D.C. programs and benefits available with this comprehensive guide. - [West Virginia DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/westvirginia/): If you’re a West Virginia real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [West Virginia USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/westvirginia/): Are you looking to buy a home in West Virginia? A USDA home loan might be the answer. Learn about West Virginia USDA Loans with this comprehensive guide. - [West Virginia HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/westvirginia/): If you’re a homeowner in West Virginia and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [West Virginia FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/west-virginia/): Looking for a way to buy a home in West Virginia? See all West Virginia FHA Loan requirements with this comprehensive guide by New American Funding. - [West Virginia VA Loan](https://www.newamericanfunding.com/loan-types/va-loan/state/west-virginia/): Are you a veteran looking for a way to buy a home in West Virginia? See all the benefits and requirements of a West Virginia VA Loan with this guide. - [West Virginia Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/westvirginia/): Are you a West Virginia homeowner age 62+? West Virginia homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in West Virginia | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/westvirginia/): Are you a homebuyer looking for down payment assistance in West Virginia? See programs and benefits available in West Virginia with this comprehensive guide. - [Mortgage Refinancing in West Virginia | New American Funding](https://www.newamericanfunding.com/refinance/state/westvirginia/): Looking for information on refinancing your home loan in West Virginia? Read this comprehensive guide by New American Funding. - [West Virginia Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/west-virginia/): Use our West Virginia mortgage calculator to see how much you can afford and understand how things like your down payment amount can affect your home loan. - [Wisconsin DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/wisconsin/): If you’re a Wisconsin real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Wisconsin USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/wisconsin/): Are you looking to buy a home in Wisconsin? A USDA home loan might be the answer. Learn about Wisconsin USDA Loans with this comprehensive guide. - [Wisconsin HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/wisconsin/): If you’re a homeowner in Wisconsin and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Wisconsin FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/wisconsin/): Looking for a way to buy a home in Wisconsin? See all Wisconsin FHA Loan requirements with this comprehensive guide by New American Funding. - [Wisconsin VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/wisconsin/): Are you a veteran looking for a way to buy a home in Wisconsin? See all the requirements and benefits of a Wisconsin VA Loan with this comprehensive guide. - [Wisconsin Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/wisconsin/): Are you a Wisconsin homeowner age 62+? Wisconsin homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Wisconsin | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/wisconsin/): Are you a homebuyer looking for down payment assistance in Wisconsin? See the programs and benefits available in Wisconsin with this comprehensive guide. - [Mortgage Refinancing in Wisconsin | New American Funding](https://www.newamericanfunding.com/refinance/state/wisconsin/): Looking for information on refinancing your home loan in Wisconsin? Read this comprehensive guide by New American Funding. - [Wisconsin Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/wisconsin/): Use our Wisconsin mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [Wyoming DSCR Loan | New American Funding](https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/wyoming/): If you’re a Wyoming real estate investor building a rental property portfolio, a Debt Service Coverage Ratio (DSCR) loan may be right for you. - [Wyoming USDA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/usda-loan/state/wyoming/): Are you looking to buy a home in Wyoming? A USDA home loan might be the answer. Learn about Wyoming USDA Loans with this comprehensive guide. - [Wyoming HELOC | New American Funding](https://www.newamericanfunding.com/refinance/home-equity-line-of-credit/state/wyoming/): If you’re a homeowner in Wyoming and hope to fund a big home renovation, consolidate high-interest debt, or need cash for other reasons, consider a HELOC. - [Wyoming FHA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/fha-loan/state/wyoming/): Explore Wyoming FHA loan requirements, benefits, loan limits, and down payment options with New American Funding. Learn how to qualify. - [Wyoming VA Loan | New American Funding](https://www.newamericanfunding.com/loan-types/va-loan/state/wyoming/): If you are a veteran living in Wyoming and you dream of owning your own home, a VA loan may be able to help you successfully achieve that dream. - [Wyoming Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/loan-types/reverse-mortgage/state/wyoming/): Are you a Wyoming homeowner age 62+? Wyoming homeowners can tap into their home equity to make retirement more manageable with a reverse mortgage. - [Down Payment Assistance in Wyoming | New American Funding](https://www.newamericanfunding.com/buy-a-home/down-payment-assistance-by-state/wyoming/): Are you a homebuyer looking for down payment assistance in Wyoming? See the programs and benefits available in Wyoming with this comprehensive guide. - [Mortgage Refinancing in Wyoming | New American Funding](https://www.newamericanfunding.com/refinance/state/wyoming/): Looking for information on refinancing your home loan in Wyoming? Read this comprehensive guide by New American Funding. - [Wyoming Mortgage Calculator | New American Funding](https://www.newamericanfunding.com/calculators/mortgage-calculator/wyoming/): Use our Wyoming mortgage calculator to see how much house you can afford and understand how things like your down payment amount can affect your home loan. - [You're a Closer](https://www.newamericanfunding.com/careers/youreacloser/): Find out the programs and benefits that New American Funding offers its loan officers including unique loan programs and marketing support. ## Landing Pages - [DSCR](https://www.newamericanfunding.com/lp/dscr/) - [E-Consent form page new](https://www.newamericanfunding.com/econsent/) - [Invest Fest](https://www.newamericanfunding.com/naf-black-impact/invest-fest/) - [NAF REALS](https://www.newamericanfunding.com/lp/naf-reals/) - [Newsletter | NAF](https://www.newamericanfunding.com/newsletter/) - [Old Wives](https://www.newamericanfunding.com/oldwives/): Explore reverse mortgages with New American Funding. Learn how to access your home equity, increase retirement cash flow, and stay in the home you love. - [Uqual](https://www.newamericanfunding.com/partners/loanready/uqual/): Get mortgage ready with New American Funding and Uqual. Explore personalized guidance to improve your credit score, manage debt, and prepare for loan approval. - [Uqual](https://www.newamericanfunding.com/lp/uqual/) ## Editorial Pages - [Mortgage & Home Loan Learning Center | New American Funding](https://www.newamericanfunding.com/learning-center/): New American Funding's latest articles provide insight and advice based on the latest mortgage and home loan data combined with our many years of experience. - [Search Results](https://www.newamericanfunding.com/learning-center/search/) ## Article Categories - [Guides](https://www.newamericanfunding.com/learning-center/guides/): Looking for more in-depth knowledge? We've made state-specific guides for first-time homebuyers, on down payment assistance, refinancing, and HELOCs. - [Homebuyers](https://www.newamericanfunding.com/learning-center/homebuyers/): Check out our articles for homebuyers. We cover mortgage basics and loan types and provide information for first-time homebuyers, veterans, and more. - [Homeowners | Learning Center | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/): Already own a home? Check out our articles for homeowners where we cover topics like refinancing, disaster management, insurance, and how to sell your home. - [Housing News | Learning Center | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/): Check out the latest housing news. We cover changes in the housing market, including mortgage interest rates, and local market conditions across the nation. - [Inclusive Lending](https://www.newamericanfunding.com/learning-center/inclusive-lending/): NAF practices inclusive lending. Check out our articles and resources for Black, Latino, Asian, and LGBTQ+ borrowers and accessibility in borrowing. - [Videos](https://www.newamericanfunding.com/learning-center/videos/): Explore our selection of educational videos on a variety of housing topics including housing market reports, the basics of homebuying, and refinancing. ## Articles - [Homebuyers Are Gaining the Upper Hand in These Housing Markets](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-are-gaining-the-upper-hand-in-these-housing-markets/): The balance of power in the housing market is shifting, and homebuyers are gaining ground across much of the country. - [The 10 Best Markets to Find a Starter Home in 2026](https://www.newamericanfunding.com/learning-center/housing-news/the-10-best-markets-to-find-a-starter-home-in-2026/): For first-time homebuyers, expanding a search beyond a few preferred ZIP Codes may uncover more opportunities. - [1 in 5 Homes Cut Prices: Buyer Tips | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-than-1-in-5-homes-have-cut-prices-what-homebuyers-can-negotiate-right-now/): More sellers are cutting their asking prices, giving prospective purchasers opportunities to negotiate. - [FHA Construction Loans: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-to-know-about-building-a-home-with-an-fha-construction-loan/): A Federal Housing Administration (FHA) construction loan can help qualified buyers finance a new home from start to finish. - [Mortgage Rates Steady as Fall Market Slows | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-hold-steady-as-fall-housing-market-slows/): Mortgage interest rates held steady at 7.40% this week, giving homebuyers stability as they navigate a fall housing market with more properties for sale and ple - [More Homes for Sale, More Buyer Power | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-homes-for-sale-more-negotiating-power-what-the-housing-market-means-for-homebuyers/): Existing home sales picked up in September. But the bigger news for homebuyers may be the growing number of homes available to purchase. - [3% Rates With an Assumable Mortgage | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/looking-for-a-3-mortgage-rate-consider-an-assumable-mortgage/): A low interest rate on a home loan may feel like winning the lottery. But it may be possible with an assumable mortgage. - [Could a $50K Down Payment Grant Help Buyers? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/could-a-$50000-down-payment-grant-solve-the-housing-affordability-crisis/): A proposed $50,000 down payment grant for first-time homebuyers could also drive up the prices of the homes they’re trying to buy. - [Guide to Buying a Home With Kids | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-smart-parents-guide-to-buying-a-home-with-kids-in-mind3/): Here’s what parents should consider when shopping for a house with kids in mind with some tips on finding a home that will work for the whole family. - [How Agents Use TikTok Humor to Sell Homes | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/how-real-estate-agents-are-using-humor-on-tiktok-and-instagram-to-sell-homes/): What do you get when you combine a questionable kitchen, a tiny bedroom, and a TikTok-savvy real estate agent? Potentially, thousands of views and a buyer. - [How to Make the Most of Today's Housing Market | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/how-homebuyers-and-homeowners-can-make-the-most-of-todays-market/): While mortgage rates may be higher than many people would like, there are still opportunities for homebuyers and homeowners alike…if they know where to look. - [How Credit Scores Affect Mortgage Rates | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/want-a-better-mortgage-rate-your-credit-score-may-matter-more-than-you-think/): Homebuyers looking for a lower mortgage rate may have more control than they realize. Improving their credit score could translate into more purchasing power. - [Homebuyers Find More Homes at Lower Prices | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-have-more-homes-to-choose-from-at-lower-prices/): Homebuyers who have struggled to find the right home may finally have more options at lower prices. - [Clever Ways to Maximize Space in Your Home | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/clever-ways-to-create-more-usable-square-footage-at-home/): Here are some clever ways homeowners can get more from the space they already have. - [How Seller Concessions Save Homebuyers Money | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/trying-to-save-money-on-a-home-purchase-explore-valuable-seller-concessions/): Homebuyers may benefit from seller concessions and incentives that could make it more affordable to purchase a home. - [How Bond Markets Affect Mortgage Rates | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/why-the-bond-market-helps-determine-mortgage-rates-and-what-homebuyers-can-afford/): Here's what homebuyers should know about what influences mortgage rates, how much a lower rate could help them afford, and ways to make the most of their budget - [Townhouses: A First Step to Homeownership | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-buying-a-townhouse-can-be-the-first-step-into-homeownership/): Looking to buy in today’s housing market but concerned about the steep prices of a single-family home? You might want to consider a townhouse. - [Rising Mortgage Rates Drive Buyers to ARMs | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-climb-as-more-homebuyers-turn-to-adjustable-rate-loans/): More borrowers are considering alternative financing options to help manage their monthly payments. - [Can Buying Before the Holidays Save You Money? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/could-buying-a-home-before-the-holidays-save-you-money/): Here’s what homebuyers need to know about taking advantage of a slower housing market during the holidays. - [Why Falling Mortgage Rates Aren't Always Good | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-no-1-reason-you-might-not-want-to-root-for-falling-mortgage-rates/): Homebuyers likely don’t want rates to drop to pandemic-era lows below 3%. That’s not only unlikely, but also a bad sign for the economy. - [What Is an FHA 203(k) Loan? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-an-fha-203k-loan-a-homebuyers-guide-to-financing-a-fixer-upper/): FHA 203(k) loans, which are insured by the Federal Housing Administration, help homebuyers purchase and renovate their home using just one mortgage. - [A 680 Credit Score: Is It Good Enough to Buy a Home?](https://www.newamericanfunding.com/learning-center/homebuyers/a-680-credit-score-is-it-good-enough-to-buy-a-home/): If you've been holding off on buying a home because you have a credit score in the 600s, you may be waiting longer than necessary. - [7 Down Payment Assistance Myths | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/7-down-payment-assistance-myths-that-may-be-costing-you-a-home/): Many homebuyers don’t realize is down payment assistance (DPA) may be able to cover much, if not all, of your down payment and closing costs. - [Can an ARM Lower Your Mortgage Payment? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/more-homebuyers-are-using-adjustable-rate-mortgages-could-one-lower-your-mortgage-payment/): Homebuyers are taking another look at adjustable-rate mortgages to help them afford homeownership. - [Mortgage Rates Top 7% Since Jan. 2025 | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/mortgage-rates-rise-above-7-for-first-time-since-january-2025/): Mortgage interest rates rose above 7% this week for the first time in 20 months as Treasury yields climbed. - [5 Signs Fall Homebuyers Have More Leverage | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/fall-homebuying-by-the-numbers-5-signs-homebuyers-have-more-leverage/): Homebuyers heading into fall may find the balance of power shifting a little more in their direction. - [Should I Buy a Home? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/should-i-buy-a-home-how-to-know-if-homeownership-is-right-for-you/): Is homeownership right for you? When you’re trying to figure out whether you should buy or rent a home, it’s important to get clear on your goals. - [5 Ways to Use Home Equity for Financial Needs | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/5-ways-to-use-home-equity-to-solve-financial-problems/): Depending on your goals, there’s likely a loan built specifically to help you access your home equity. - [How Much Are Closing Costs?](https://www.newamericanfunding.com/learning-center/homebuyers/how-much-are-closing-costs/): There’s one question most homebuyers want answered right after their offer is accepted on a home: “How much are closing costs?” - [How a Mortgage Rate Buydown Works | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/a-mortgage-rate-buydown-can-lower-your-monthly-payment-heres-how-it-works/): A mortgage rate buydown lets you start homeownership with a lower mortgage interest rate and a smaller monthly housing payment for the first few years. - [Escrow Fees Explained for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/escrow-fees-explained-what-every-homebuyer-should-know/): Homebuyers are also responsible for paying closing costs, which generally includes putting money into an escrow account until the sale goes through. - [Can Home Equity Lower Your Mortgage Payment? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homeowners-have-$35-8-trillion-in-equity-could-yours-help-lower-your-mortgage-payment/): Homeowners may be sitting on an opportunity to lower their monthly housing costs without realizing it. - [How to Get Pre-Approved for a Mortgage](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-get-pre-approved-for-a-mortgage/): Lenders determine pre-approval amounts by looking at an applicant's credit score, credit history, debt, income, and assets. - [6 Smart Moves for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/6-smart-moves-buyers-can-make-while-homes-sit-on-the-market-longer/): Many prospective buyers may feel disadvantaged in today’s real estate market. However, recent developments are helping to give homebuyers back some leverage. - [6 Ways to Overcome Homebuying Fears | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/cold-feet-before-closing-6-ways-homebuyers-can-overcome-their-fears/): Having cold feet before buying a home is normal. Here are six ways to conquer it. - [Homebuying with Non-Traditional Income | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-with-non-traditional-income-verification/): Learn how you can use a Non-Qualified Mortgage to buy a home with non-traditional income verification. - [Mortgage Rates Edge Up but Remain Below 7%](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-edge-up-but-remain-below-7/): Mortgage interest rates edged up this week but remained below 7%, even as borrowing costs reached their highest level in more than a year. - [5 Fall Home Design Trends You’ll Want This Season](https://www.newamericanfunding.com/learning-center/housing-news/5-fall-home-design-trends-youll-want-this-season/): Here are five of the biggest home design trends for fall 2026 and how homeowners can bring them home. - [Fed Rate Hike: What It Means for Mortgage Rates | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-just-hiked-interest-rates-what-does-that-mean-for-mortgage-rates/): Will mortgage interest rates continue to rise after the U.S. Federal Reserve voted to hike interest rates for the first time in three years? - [10 Best Metros for Affordable New Homes | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-10-best-metros-for-affordable-homes-and-new-construction/): Homebuyers searching for an affordable place to put down roots may want to consider how much new construction is happening there, too. - [Buying a Condo? Check Its Financial Health | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-condo-why-you-should-check-the-buildings-financial-health-first/): Here’s how to get a clearer picture of a condo building’s financial health before buying. - [Best Week to Buy a Home in 2026 | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-best-week-to-buy-a-home-in-2026-is-coming-heres-how-to-prepare/): Homebuyers wondering about the best time to buy a home in 2026 may want to start preparing now. - [Down Payment Stacking: How It Works | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/down-payment-stacking-how-to-combine-funding-sources-to-buy-a-home/): If you don’t have enough money saved for the down payment and closing costs, the concept of down payment stacking may be able to help. - [First-Time Homebuyer Tips to Stay on Budget | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/how-first-time-homebuyers-can-buy-without-stretching-their-budget/): First-time homebuyers are finding ways into the housing market even as affordability remains challenging. - [Cash-Out Refinance vs. HELOC: Which Is Best? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/cash-out-refinance-vs-heloc-which-home-loan-will-best-meet-your-needs/): If you’re considering a cash-out refinance vs a home equity loan, such as a home equity line of credit (HELOC), what’s the right move? - [Mortgage Rates Rise, Buyer Demand Steady | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-rise-as-homebuyer-demand-holds-steady/): Mortgage interest rates moved higher this week, while homebuyer demand remained relatively steady and continued to outpace last year. - [Where Should You Buy a Home for Retirement? These 10 Cities Stand Out](https://www.newamericanfunding.com/learning-center/housing-news/where-should-you-buy-a-home-for-retirement-these-cities-stand-out/): Where retirees live can affect everything from their savings, taxes, and health care costs to how easy it is to get around and what to do with their free time. - [Home Inspections vs. Appraisals | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/home-inspections-vs-home-appraisals-why-theyre-both-important-for-homebuyers/): A home inspection and a home appraisal are two very different, but key, parts of the homebuying process. Here's what homebuyers need to know. - [Fall 2026 Housing Market Guide | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/what-homebuyers-and-sellers-should-know-about-the-fall-2026-housing-market/): The air is crisper. Pumpkin spice lattes are back on menus. And the housing market is shifting along with the season. - [What Home Age Tells Buyers About a Neighborhood | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-the-age-of-a-neighborhoods-homes-can-tell-homebuyers/): Here is what homebuyers should consider when comparing homes and neighborhoods from different eras. - [Why More Homeowners Are Renovating Instead of Moving](https://www.newamericanfunding.com/learning-center/housing-news/why-more-homeowners-are-renovating-instead-of-moving/): Homeowners who need more space, an updated kitchen, or a major repair may be finding it more appealing to renovate than relocate. - [Looking for a New Home? Widening Your Search Could Pay Off](https://www.newamericanfunding.com/learning-center/housing-news/looking-for-a-new-home-widening-your-search-could-pay-off/): Home shoppers are willing to explore unfamiliar markets in search of new construction. - [Mortgage Interest Tick Up, but Homebuyer Demand Holds Steady](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-tick-up-but-homebuyer-demand-holds-steady/): Mortgage interest rates moved higher this week, but homebuyers appear to be adjusting to changing market conditions rather than calling off their home searches. - [Homebuying Income in 30 Major Markets | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/how-much-do-you-need-to-earn-to-buy-a-home-in-the-30-largest-housing-markets/): How much do you really need to earn to buy a home? The answer depends on where you want to live. - [Risks of Waiting for Lower Mortgage Rates | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/why-waiting-for-lower-mortgage-rates-could-backfire-on-homebuyers/): Homebuyers waiting for mortgage interest rates to fall may want to keep an eye on something else: How many others are also anticipating the descent. - [New Homes Cost Less Than Existing Homes in These Top Markets](https://www.newamericanfunding.com/learning-center/housing-news/new-homes-cost-less-than-existing-homes-in-these-top-markets/): Homebuyers searching for new construction may want to look South. - [19 Markets Where Homebuyers Have the Edge | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-homes-more-time-more-leverage-19-markets-where-homebuyers-have-the-edge/): Here’s where homebuyers stand to benefit and how to make the most of the changing market. - [How Does a HELOC Work?](https://www.newamericanfunding.com/learning-center/homebuyers/how-does-a-heloc-work/): Here’s what homeowners need to know about how a HELOC works, how it compares with other borrowing options, and the potential costs and risks. - [Home Prices Ease as Mortgage Rates Hold Steady](https://www.newamericanfunding.com/learning-center/housing-news/home-prices-ease-as-mortgage-rates-hold-steady/): Homebuyers saw little change in borrowing costs this week, but lower listing prices and growing housing stock are creating more purchasing opportunities. - [How Buyers Benefit from Realistic Home Prices | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/home-sellers-are-pricing-more-realistically-heres-how-homebuyers-can-benefit/): Homebuyers may be gaining negotiating leverage before they even make an offer. - [5 Reasons to Refinance at Higher Rates | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/5-reasons-to-refinance-your-mortgage-even-when-rates-are-higher/): Depending on your circumstances, refinancing in a higher-rate environment could still make sense. - [What Is a Lien on a Home? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/what-is-a-lien-on-a-home-what-homebuyers-and-homeowners-should-know/): Not all liens are bad. In fact, the biggest lien you’ll likely ever have is a mortgage on a home. Here's what homeowners need to know about liens. - [Fixer-Upper Loans: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fixer-upper-loans-what-homebuyers-should-know-before-taking-on-a-renovation-project2/): For those who plan to live in the fixer-upper, the difference between a smart opportunity and a costly mistake often comes down to what’s hiding. - [Why Newly Built Homes May Provide Better Deals for Homebuyers](https://www.newamericanfunding.com/learning-center/housing-news/why-newly-built-homes-may-provide-better-deals-for-homebuyers/): Many homebuilders are offering financial incentives that could help make purchasing a home more affordable. - [How to Build Credit and Get Mortgage-Ready | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/no-credit-history-heres-how-to-build-credit-from-scratch-and-get-mortgage-ready/): These are the steps to take to build your credit score from scratch and help you get ready to apply for a mortgage. - [Mortgage Interest Rates Dip, Giving Homebuyers Some Relief](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-dip-giving-homebuyers-some-relief/): Mortgage interest rates edged lower this week, offering homebuyers a bit of relief as the summer housing market winds down. - [5 Strategies for Buying Your Next Home | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/5-strategies-to-help-homeowners-successfully-move-up-into-new-residences/): If you're an existing homeowner ready to move up into a new home, there are some strategies you can use to make it happen. - [FHA Loans for Self-Employed Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/self-employed-why-you-may-want-to-choose-an-fha-loan-to-buy-a-home/): Many self-employed homebuyers may not realize they may be able to qualify for a Federal Housing Administration (FHA) loan with a down payment as low as 3.5%. - [Pending Home Sales Fall, but Local Markets Offer Openings for Homebuyers](https://www.newamericanfunding.com/learning-center/housing-news/pending-home-sales-fall-but-local-markets-offer-openings-for-homebuyers/): Fewer homebuyers signed contracts in July, yet the slowdown may create opportunities for those who remain in the market. - [Should You Lock or Float Your Mortgage Rate? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/should-i-lock-my-mortgage-rate-today-or-float-my-rate-what-homebuyers-need-to-know/): Lock in your rate too early and you could miss out on a better rate if they come down. But if you wait too long, rates could climb before you close. - [How to Use a HELOC to Buy a New Home | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/maximize-your-home-equity-how-to-use-a-heloc-to-buy-a-new-home/): Homeowners have a unique advantage when buying a new home because they may be able to tap into the equity of the property they already own. - [FHA Assumable Loans: How They Work | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-is0an-fha-assumable-loan-how-it-works-and-who-qualifies/): Assumable loans allow potential homeowners to take over the previous homeowner's mortgage directly when buying a house. - [The 10 Hottest ZIP Codes of 2026](https://www.newamericanfunding.com/learning-center/housing-news/the-10-hottest-zip-codes-of-2026/): The hottest housing markets in America are not found in the Sun Belt or along the West Coast this year. - [How Lenders Verify Mortgage Income | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-do-lenders-verify-income-on-mortgage-loan-applications/): Lenders examine a buyer’s financial picture as part of the process of determining whether to lend to a potential borrower. They must verify a potential borrower - [Mortgage Interest Rates Ease as Mortgage Demand Picks Up](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-ease-as-mortgage-demand-picks-up/): Mortgage interest rates edged lower this week as improving affordability and signs of stronger mortgage demand offered encouraging news for prospective homebuye - [Rising Home Price Cuts: How Buyers Can Save | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/home-price-cuts-are-rising-how-homebuyers-can-use-them-to-save/): More home sellers are reducing their asking prices, giving homebuyers in some housing markets an opening to negotiate deals. - [Foreclosures, Short Sales & REO Properties | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/foreclosures-short-sales-and-reo-properties-a-buyers-guide-to-distressed-real-estate/): The deals are real with foreclosures, but so are the risks. Here’s what you should know. - [2026 Fannie Mae and Freddie Mac Condo Rules | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-the-new-fannie-mae-and-freddie-mac-rules-mean-for-condo-buyers-in-2026/): New rules require lenders to take a deeper look at the financial health and structural condition of condo developments before approving Conventional loans. - [What Is a Home Appraisal and Why It Matters | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-a-home-appraisal-what-appraisers-look-for-and-why-it-matters/): Before most lenders approve a home loan, they want to know one important thing: Is the home worth the price being paid? That’s where a home appraisal comes in. - [Home Prices Are Easing: How Homebuyers Can Stretch Their Purchasing Power](https://www.newamericanfunding.com/learning-center/housing-news/home-prices-are-easing-how-homebuyers-can-stretch-their-purchasing-power/): Learn how falling home prices, seller concessions, and increased housing inventory can help homebuyers stretch their budgets and improve affordability. - [5 Homebuyer Anxieties and How to Overcome Them | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-5-biggest-sources-of-homebuyer-anxiety-and-how-to-overcome-them/): Here’s what real estate experts say causes the most anxiety for homebuyers and how to move forward with greater confidence. - [Mortgage Interest Rates Edge Higher as Housing Market Continues to Adjust](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-edge-higher-as-housing-market-continues-to-adjust/): Mortgage interest rates edged higher this week even as a growing supply of homes for sale and lower home prices continue to bolster the housing market. - [10 Housing Markets With the Most New Listings | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/10-housing-markets-with-the-biggest-jump-in-new-home-listings/): After years of slim pickings, homebuyers are finally seeing more fresh homes hit the market, depending on where they’re looking. - [How to Keep Your Home After Job Loss | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/you-dont-have-to-lose-your-home-after-a-job-loss-heres-what-to-do/): For homeowners who lose their jobs, the loss of a steady income can be financially destabilizing. Lenders and mortgage servicers may be able to offer relief. - [The Biggest Home Exterior Trends of 2026](https://www.newamericanfunding.com/learning-center/homeowners/the-biggest-home-exterior-trends-of-2026/): Here’s what’s defining home exterior renovations in 2026. - [The 10 Best States to Live in 2026: What Homebuyers Should Know](https://www.newamericanfunding.com/learning-center/housing-news/the-10-best-states-to-live-in-2026-what-homebuyers-should-know/): Here’s what homebuyers should know about the 10 states that came out on top. - [Multifamily Housing Loans Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/multifamily-housing-loans-the-smart-way-to-buy-a-home-that-pays-you-back/): The appeal of multifamily homes is simple. Buyers can live in one unit and rent out the others, helping them afford their mortgages and bringing in extra cash. - [5 Things Homebuyers Should Know After the Fed’s Latest Decision](https://www.newamericanfunding.com/learning-center/housing-news/5-things-homebuyers-should-know-after-the-feds-latest-decision/): The Federal Reserve left its benchmark interest rate unchanged this week, but that doesn’t mean the housing market is standing still. - [How a Mortgage Recast Lowers Monthly Payments | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/want-to-lower-your-monthly-mortgage-payment-heres-how-a-mortgage-recast-can-save-you-money/): A mortgage recast typically lowers your monthly housing payments because you’re making a large, lump-sum payment toward your remaining loan balance. - [Mortgage Interest Rates Rise, but Homebuyer Affordability Improves](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates/): Improving affordability and a growing supply of homes for sale continued to give prospective homebuyers more reasons to enter the market. - [5 Signs the Housing Market Is Getting Better for Homebuyers This Summer](https://www.newamericanfunding.com/learning-center/homebuyers/5-signs-the-housing-market-is-getting-better-for-homebuyers-this-summer/): Here are five signs that the housing market is improving for homebuyers this summer. - [Top Home Improvement Tax Deductions for Homeowners](https://www.newamericanfunding.com/learning-center/homeowners/top-home-improvement-tax-deductions-for-homeowners/): Which home improvements pay off the most when it comes to tax time? - [Buying a $1 Home: Costs Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-1-home-how-it-works-and-what-it-really-costs/): Everyone loves a good deal. So, when a home pops up for the bargain price of just $1, it’s easy to imagine packing your bags and living mortgage-free. - [Fed Holds: Will Mortgage Rates Rise or Fall? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-left-interest-rates-unchanged-does-that-mean-mortgage-rates-will-rise-or-fall/): The Fed voted to hold interest rates steady, but the central bank is expected to hike rates at least once this year. This is likely to impact mortgage rates. - [How Much Cash Should You Have After Closing? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-much-money-should-you-have-left-after-closing-on-a-home/): Here’s how much money experts recommend having in savings after buying a home and why spending every available dollar at closing can backfire. - [Can You Buy a Home with Bitcoin? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/can-you-buy-a-home-with-cryptocurrency-what-homebuyers-need-to-know-about-bitcoin-mortgages/): While most buyers can't use cryptocurrency to pay for a home, you may be able to use these assets in other ways to qualify for financing or cover upfront costs. - [How Rent Payments May Help You Get a Mortgage | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-how-on-time-rent-and-utility-payments-may-help-you-secure-a-mortgage/): Many lenders may use a new credit scoring model that factors in on-time rent, utility, and even telecom payments, for use on mortgages. - [Today's Mortgage Rates: What Buyers Should Know | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/what-todays-mortgage-rate-environment-means-for-homebuyers/): Mortgage rates are influenced by far more than decisions made by the U.S. Federal Reserve. Here’s what homebuyers need to know. - [Paint Colors That Boost Home Value | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/selling-your-home-these-paint-colors-may-prime-it-for-premium-prices/): Pairing the right paint with your home’s vibe could increase the purchase price by thousands of dollars. - [Mortgage Rates Rise But Stay Below Last Year | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-tick-up-but-remain-below-last-year/): Mortgage interest rates moved higher as the summer homebuying season continued. But rates remained below the average recorded at this time last year. - [Building vs. Buying a Home: Costs Compared | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-much-does-it-cost-to-build-a-home-vs-buying-a-home-what-buyers-need-to-know/): How much does it cost to build a home? Location matters, so does the amount of square footage, the features and finishes, and style of the home. - [More Homeowners Use Home Equity for Retirement | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-homeowners-are-counting-on-their-homes-to-help-fund-retirement/): Here’s what homeowners should know before making their home part of their retirement plan. - [New Ways Homebuyers Are Funding Down Payments | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-homebuyers-are-finding-new-ways-to-make-a-down-payment/): Here are some of the ways homebuyers are finding the money to buy a home. - [Home Prices Are Falling, and Homebuyers Are Coming Back](https://www.newamericanfunding.com/learning-center/housing-news/home-prices-are-falling-and-homebuyers-are-coming-back/): The picture emerging this summer is a housing market that may finally be finding a better balance. - [Why National Housing Headlines Don’t Tell the Whole Story](https://www.newamericanfunding.com/learning-center/housing-news/why-national-housing-headlines-dont-tell-the-whole-story/): Here’s what today’s housing data really says and what it could mean for homebuyers. - [Best Cities for First-Time Homebuyers in 2026 | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/these-are-the-best-cities-for-first-time-homebuyers-in-2026/): Where you buy can shape not only how much you pay for a home, but also your monthly housing costs, access to schools, and future home value. - [Mortgage Interest Rates Rise, but Housing Market Conditions Continue to Improve](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-rise-but-housing-market-conditions-continue-to-improve/): Mortgage interest rates moved higher this week, although improving affordability and a growing number of homes for sale continue to create more opportunities fo - [Move Over Millennials: Gen Z Now Accounts for One in Five Home Purchases](https://www.newamericanfunding.com/learning-center/housing-news/move-over-millennials-gen-z-now-accounts-for-one-in-five-home-purchases/): Gen Z is no longer waiting in the wings of the housing market. Here’s what young homebuyers need to know. - [2026 Housing Market Outlook for the Second Half | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/heres-where-the-housing-market-is-headed-in-the-second-half-of-2026/): The housing market heading into the second half of 2026 looks quite different from the rollercoaster of recent years. And in many ways, that’s a good thing. - [Highest and Lowest Property Tax States | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/States-with-the-lowest-and-highest-property-taxes-in-2026/): How much you pay in property taxes can vary wildly based on where you live. - [How to Find Out if Someone Died in a Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/did-someone-die-in-the-home-you-want-to-buy-how-to-find-out/): Here’s what every homebuyer should know about uncovering a property’s history before they close. - [Reverse Mortgage Pros and Cons for Seniors | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/the-pros-and-cons-of-reverse-mortgages-for-older-homeowners/): Explore the pros and cons of reverse mortgages for older homeowners, including eligibility, payout options, costs, risks, and impacts on heirs. - [Buying a Foreclosed Home: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/thinking-about-buying-a-foreclosed-home-heres-what-you-need-to-know-before-you-close/): Some homebuyers may consider a foreclosure, which sometimes come with significantly lower price tags. But lower costs don’t mean lower risks. - [Balance Is Returning to the Housing Market. Why Buyers Should Pay Attention](https://www.newamericanfunding.com/learning-center/housing-news/balance-is-returning-to-the-housing-market-why-buyers-should-pay-attention/): Homebuyers who understand their budget and arrive prepared may find more choices and greater negotiating power in today’s market. - [2026 Outdoor Home Improvement Trends | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/the-outdoor-home-improvement-trends-shaping-backyards-in-2026/): Here’s where homeowners are spending their outdoor renovation dollars in 2026. - [Mortgage Interest Rates Tick Up as U.S.-Iran Conflict Escalates](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-tick-up-but-remain-lower-than-a-year-ago/): Mortgage interest rates rose this week but remain below where they stood a year ago. - [Loans to Help You Pay Off Debt Faster | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/drowning-in-debt-these-loans-may-help-you-pay-off-what-you-owe-faster/): Homeowners may be able to tap into the equity they have in their properties to help them pay off high-interest debt.    - [Hidden Homeownership Costs Buyers Should Know | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/the-hidden-costs-of-homeownership-that-homebuyers-shouldnt-overlook/): Looking beyond the mortgage payment and understanding other financial obligations of homeownership may help you choose a property that aligns with your goals. - [FHA Appraisal Red Flags for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fha-appraisal-red-flags/): FHA-approved appraisers are focused on ensuring that a home is safely habitable. They look for hazardous materials that are known to cause people harm. - [Can I Use My 401(k) for a Down Payment?](https://www.newamericanfunding.com/learning-center/homebuyers/can-i-use-my-401k-for-a-down-payment/): You can use your 401(k) for a down payment as a first-time homebuyer. You can use a 401(k) loan or a 401(k) withdrawal to access your money. - [Home Seller Rights: When You Can Walk Away | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/your-rights-as-a-home-seller-when-you-can-walk-away-and-when-itll-cost-you/): It’s not uncommon for home sellers to want, or need, to walk away from a deal. However, there can be financial penalties and other consequences. - [Pre-Approved? How to Secure Your Mortgage | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/great-youre-preapproved-now-its-time-to-secure-the-mortgage/): Here’s what happens following receiving a loan pre-approval letter and how to avoid surprises before closing day. - [Build Your Dream Home with a Construction Loan | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/build-the-home-youve-always-dreamed-of-with-a-construction-loan/): If you haven’t found a home that checks off all your boxes, don’t fret. With a construction loan, you may be able to design the home you’ve always wanted. - [Mortgage Rates Fall to a Seven-Week Low](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-fall-to-a-seven-week-low/): Mortgage rates eased this week, falling to their lowest level in seven weeks as homebuyer demand continued to edge higher. - [What Is a Family Opportunity Mortgage? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-a-family-opportunity-mortgage-how-to-buy-a-home-for-aging-parents-or-disabled-children/): A Family Opportunity Mortgage allow you to purchase a home for a parent or child who couldn’t do it themselves, because of their age or ability. - [Physician Mortgages for Medical Professionals | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/doctors-dentists-and-pharmacists-how-physician-mortgages-may-help-you-buy-a-home/): Physician mortgages help qualifying medical professionals get a home loan with a low or no down payment. This may make it easier for them to become homeowners. - [Mortgage Servicing: Who Collects Your Payment? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/whos-this-company-asking-for-my-home-loan-payment-mortgage-servicing-explained/): A mortgage servicer typically takes over handling the home loan after it closes. This where homeowners will send mortgage payments or contact in an emergency. - [5 Steps to Get Pre-Approved for a Mortgage | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/if-youre-buying-a-home-these-5-steps-may-help-you-get-preapproved-for-a-mortgage/): A mortgage pre-approval may give you an advantage in the housing market. Many factors that lenders consider are things you can improve before you apply. - [PMI Costs: Is It Worth It? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-much-does-pmi-cost-homebuyers-and-is-it-worth-it/): Private mortgage insurance, known as PMI, has a reputation as something people may want to avoid when purchasing a home. But PMI has its advantages. - [Mortgage Interest Rates 'Remain Relatively' Stable for Sixth Straight Week](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-remain-relatively-stable-for-sixth-straight-week/): Mortgage rates remained largely unchanged this week, extending a six-week stretch of stability that has kept borrowing costs in the mid-6% range. - [Buying a Home When Rates Are High | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-when-interest-rates-are-high-how-to-do-it-and-potentially-save-money/): Before high mortgage rates lead you to put homeownership plans on hold, learn whaat you can do now to secure an affordable mortgage. - [Do You Need a Real Estate Attorney? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/do-you-need-a-real-estate-attorney-to-buy-or-sell-a-home-that-depends-on-where-you-live/): Even if you aren’t legally required to use a real estate attorney, working with one may be worthwhile.  - [Senate Passes Major Housing Bill. Here’s What It Could Mean for Homebuyers](https://www.newamericanfunding.com/learning-center/housing-news/senate-passes-major-housing-bill-heres-what-it-could-mean-for-homebuyers/): A sweeping bipartisan housing bill may help address the nation’s housing shortage is one step away from becoming law. - [What to Do If Your Home Appraisal Is Low | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/dont-panic-this-is-what-to-do-if-you-receive-a-low-home-appraisal/): A lower-than-expected appraisal doesn't have to be a deal-killer. Here's what you should do if you find yourself in this situation. - [Buying a Home with Side Gig Income | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/working-a-side-gig-to-buy-a-home-heres-what-lenders-want-to-see/): Many homebuyers are turning to side gigs and freelance work to help save for a down payment and closing costs. But does that income count toward a mortgage? - [More Homebuyers Are Accepting Today's Mortgage Rates. Here's What Changed](https://www.newamericanfunding.com/learning-center/housing-news/more-homebuyers-are-accepting-todays-mortgage-rates-heres-what-changed/): Instead of trying to time the market, more homebuyers are adjusting their expectations and making plans based on today's borrowing costs. - [Why More Young Adults Live With Parents | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-young-adults-are-living-with-their-parents-heres-the-housing-math-behind-it/): A record number of younger adults are now living with their parents as housing costs soar. - [Lower Mortgage Rates Boost Housing Market | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-edge-lower-giving-the-housing-market-a-boost/): Mortgage rates moved down this week as the war in Iran appears to be moving closer to an end. - [The Top 10 Housing Markets Where Buying a Home Pays Off Fastest in 2026](https://www.newamericanfunding.com/learning-center/housing-news/the-top-10-housing-markets-where-buying-a-home-pays-off-fastest-in-2026/): Today’s housing market has left many would-be homebuyers asking one big question: Is it smarter to buy a home or keep renting? - [Home Sales to Rise as Buyer Demand Grows | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-set-to-increase-as-homebuyer-demand-picks-up/): In another sign that the housing market is becoming a bit friendlier to buyers, more homebuyers went under contract to purchase a property in May. - [Fed Holds Rates, but Mortgage Rates May Fall | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-voted-not-to-move-interest-rates-but-mortgage-rates-may-still-ease/): The Fed voted to hold interest rates steady at its June meeting. But mortgage rates could still ease this year. - [Why Wealthy Homebuyers Choose Mortgages | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/mark-zuckerburg-beyonce-and-paris-hilton-why-wealthy-homebuyers-often-prefer-mortgages-when-they-could-pay-cash/): Mark Zuckerberg, Elon Musk, Beyoncé and Jay-Z, and Paris Hilton have mortgages on their homes. This is why it may be a smart move even if you can buy in cash. - [Home Shoppers Have More Buying Power Than a Year Ago](https://www.newamericanfunding.com/learning-center/housing-news/home-shoppers-have-more-buying-power-than-a-year-ago/): Homebuyers have quietly caught a small win: Purchasing a home is still modestly easier than it was a year ago. - [FHA Loans: Lower Mortgage Interest Rates | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-surprise-fha-loan-advantage-lower-mortgage-interest-rates/): If you’re buying a home, you may not want to overlook an FHA loan. They typically offer lower mortgage interest rates than many other types of home loans. - [Where Homebuyers Get the Most for Their Money | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/where-homebuyers-are-getting-the-most-for-their-money-in-todays-housing-market/): The typical household can now afford a larger share of homes on the market than just a few years ago. - [Summer Home Design Trends | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/summer-design-trends-staycations-and-softness-set-the-tone-this-season/): Here are some summer decor trends gaining momentum. Get ready to rethink, refresh, and make the most of your home as the weather finally warms. - [Mortgage Rates Rise Ahead of Summer Homebuying | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-rise-slightly-as-the-summer-homebuying-season-approaches/): Mortgage interest rates ticked up ever so slightly as oil prices and inflation remained elevated. - [15 LGBTQ+-Friendly Cities for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-15-most-lgbtq-friendly-cities-in-america-for-renters-and-homebuyers-in-2026/): A new ranking reveals the cities where safety, legal protections, and thriving queer communities are helping LGBTQ+ people feel most at home. - [3 Ways to Access Your Home Equity for Cash | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/in-need-of-cash-three-ways-to-unlock-the-equity-youve-built-in-your-home/): Explore three ways to tap into your home equity: cash-out refinancing, HELOCs, and second mortgages. Compare their benefits, risks, and uses. - [May Existing Home Sales Jump as Market Picks Up | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/existing-home-sales-jumped-in-may-in-a-sign-the-housing-market-is-finally-picking-up/): Existing home sales were up 3.2% year-over-year, according to the latest data from the National Association of Realtors (NAR). - [More Homes, Lower Prices Favor Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/more-homes-lower-prices-why-todays-housing-market-is-favoring-homebuyers/): For homebuyers waiting for better conditions, the market may finally be offering more reasons to step back in. - [Best Affordable, Family-Friendly Places to Live in 2026 | New American](https://www.newamericanfunding.com/learning-center/homebuyers/the-best-places-to-live-in-2026-are-affordable-and-family-friendly/): As rising housing costs and pricier everyday essentials continue to reshape where Americans want to live, affordability is increasingly winning out over aspirat - [How AI Could Impact Housing Markets in 2026 | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/could-the-ai-boom-reshape-your-local-housing-market-what-homebuyers-should-know-in-2026/): The next hot housing market may not be driven by natural beauty, good schools, or lower taxes. It may be driven by artificial intelligence (AI). - [Pay Off Your Mortgage Before Retirement? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/should-homeowners-pay-off-their-mortgages-before-retirement-when-it-makes-senseand-when-it-doesnt/): Here are some benefits of paying off your home before retirement, as well as some potential downsides to consider. - [Mortgage Rates Dip: Buy or Refinance Now? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-just-fell-a-bit-should-you-buy-or-refinance-now/): In a world where every bit counts, homebuyers and homeowners just got a little good news as mortgage interest rates fell for the first time in a few weeks - [How Mortgage Discount Points Save Money | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/mortgage-discount-points-how-they-can-lower-your-interest-rate-and-potentially-save-you-money2/): Mortgage discount points can be purchased by homebuyers to “buy down” the interest rate on a mortgage from the outset of the loan. - [10 Most Family-Friendly Cities in 2026 | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/best-places-for-kids-the-10-most-family-friendly-cities-in-20262/): Where should families put down roots in 2026? A new ranking reveals the cities winning on schools, affordability, and family-friendly living. - [More Homes for Sale This Summer | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/more-homes-are-hitting-the-market-this-summer-what-homebuyers-need-to-know/): This year, buyers have more homes for sale to choose from. Nationally, the number of new home listings reached their highest April level since 2022. - [Why Homeowners Have More Wealth Than Renters | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/happy-homeownership-month-why-homeowners-have-38-times-more-wealth-than-the-typical-renter/): The typical homeowner had about 38 times more wealth than the average renter. That’s because homes often appreciate dramatically over decades. - [How to Finance a Pool With Home Equity | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/splish-splash-how-homeowners-are-financing-pools-with-home-equity/): A swimming pool may sound like a dreamy backyard upgrade. If you don’t have the cash on hand to pay for a pool, you may be able to leverage your home equity to - [Mortgage Rates Rise Ahead of Summer | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-inch-up-as-the-summer-housing-market-approaches/): As the housing market approaches the busy summer season, mortgage interest rates ticked up slightly as oil prices remained elevated. - [Fed Leadership Changes: Mortgage Rate Impact | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/what-the-fed-leadership-shake-up-could-mean-for-mortgage-rates/): The U.S. Federal Reserve ushered in a new chair, Kevin Warsh, renewing hopes that lower mortgage interest rates are on the horizon. - [Down Payments Hit Four-Year Low | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-typical-down-payment-just-hit-a-four-year-low-what-it-means-for-homebuyers/): Here’s what buyers need to know about how a lower down payment can clear a pathway to homeownership. - [Expert Advice for Selling a Home Today | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/the-best-advice-for-selling-a-home-in-todays-market-according-to-real-estate-pros/): Here’s where smart home sellers gain an edge and how to position your property to attract offers. - [How to Sell a Home While Still Living in It | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/how-to-sell-the-home-youre-living-in-and-maintain-your-sanity/): The good news is that staging a home doesn’t require moving all your belongings out, purchasing expensive new furniture, or losing your mind. Here's what to do. - [How to Buy a Home with 0% Down Using an FHA Loan](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-buy-a-home-with-0-down-using-an-fha-loan/): An FHA loan paired with a second mortgage or down payment assistance can be the difference between renting and owning you own home. - [Mortgage Interest Rates Climbed, But Remain Lower Than a Year Ago](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-climbed-but-remain-lower-than-a-year-ago2/): Mortgage interest rates climbed this week, but remain lower than they were a year ago. - [Are Price Cuts on Homes Deals—or Red Flags?](https://www.newamericanfunding.com/learning-center/homebuyers/are-price-cuts-on-homes-dealsor-red-flags/): While a home with with a slew of markdowns may be a red flag, it can also create an opportunity for homebuyers to negotiate a great deal.  - [7 Tips for Buying a Home to Rent Out Later | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/thinking-ahead-7-things-to-consider-when-buying-a-home-to-live-in-now-and-rent-out-later/): it might make sense to turn your home into a rental property down the road. That's why it's important to plan for it from the start. - [Homebuyers Are Purchasing More Homes This Spring](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-are-purchasing-more-homes-this-spring/): More homes have gone under contract this spring, despite rising mortgage interest rates. - [Down Payment Assistance for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-down-payment-assistance-programs-may-help-you-buy-a-home-sooner/): Thousands of down payment assistance programs across the country help buyers cover upfront costs. This is typically done with grants or low-cost loans. - [Expert Homebuying Advice | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-best-advice-for-homebuyers-right-now-according-to-real-estate-pros/): Here’s how savvy homebuyers are approaching the spring and summer market and where to focus your strategy as you hunt for a home. - [Don't Let VA Loan Myths Stop You | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/youve-earned-this-benefit-dont-let-myths-stop-you-from-using-a-va-loan/): Myths about VA loans and their benefits abound, which could prevent veterans from using them to buy homes, - [Mortgage Interest Rates Tick Down Ever So Slightly](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-tick-down-ever-so-slightly/): Mortgage interest rates ticked down just a bit as the busy spring homebuying season continued. - [One-Time Close Construction Loans Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/one-time-close-construction-loans-how-to-build-and-finance-a-home-with-minimal-stress/): You may be able to use a One-Time Close (OTC) Construction loan to finance the land purchase and construction costs together. - [FHA Loans for Affordable City Homebuying | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-fha-loans-may-make-city-homebuying-more-affordable-even-on-a-tight-budget/): FHA loans were designed to help homebuyers close the deal without a huge down payment or impeccable credit. And they can be used in cities, even large ones. - [Why Get a HELOC Before You Need One? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/why-it-might-be-a-smart-idea-to-take-out-a-heloc-before-you-need-one/): Opening a Home Equity Line of Credit (HELOC) while your income and credit are strong may be a smart way to create a financial back-up plan for the future. - [Can't Sell Your Home? 7 Strategies to Help | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/cant-sell-your-home-here-are-7-strategies-to-turn-things-around/): If you’re struggling to sell your property, you’re not out of luck. Here are seven strategies to help you close that sale or find advantageous alternatives. - [Mother-Daughter Homes: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/mother-daughter-homes-what-to-know-about-this-multigenerational-living-arrangement/): With home prices high and caregiving demands on the rise, many families are turning to mother-daughter homes as a form of multigenerational living. - [Mortgage Rates Rise Slightly, But It May Still Be Easier to Buy a Home This Spring](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-rise-slightly-but-it-may-still-be-easier-to-buy-a-home-this-spring/): Mortgage interest rates continued to rise as the war in Iran persisted. But rates are still lower than they were a year ago. - [Does Mortgage Preapproval Hurt Your Credit? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/does-getting-prequalified-or-preapproved-for-a-mortgage-hurt-your-credit-score/): The good news is not all credit pulls affect your score. Even when hard inquiries are made for home loans, credit scores typically only drop by a few points. - [6 Tips for a Faster Home Closing | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-in-a-hurry-follow-these-6-tips-for-a-faster-closing/): There are a few things homebuyers can do to speed up how fast you can close on a home.  - [Why Mortgage Rates Change Overnight | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/why-mortgage-rates-can-change-overnight-and-what-you-can-do-about-it/): Why do interest rates move so much, and so fast? And what can you do to protect yourself? Here’s what you need to know. - [How Asian Americans Build Wealth Through Homes | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/how-asian-americans-are-building-wealth-through-homeownership/): Let's take a closer look at one of the most powerful ways many Asian American families are building lasting wealth: homeownership. - [Never Too Late to Buy Your First Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/why-its-never-too-late-to-become-a-first-time-homebuyer/): The average age of first-time homebuyers has risen, with more Americans making their first purchase in middle age and beyond. - [Mortgage Interest Rates Tick Up Slightly](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-tick-up-slightly/): Mortgage rates are down nearly half a percentage point from last year. With lower home prices, that makes buying a home more affordable in many markets. - [How to Negotiate in a Buyer-Friendly Market | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-homebuyers-can-negotiate-in-a-friendlier-housing-market/): Here’s what buyers can do to negotiate an offer in today’s market. - [The Fed Isn't Cutting—or Hiking—Interest Rates. Is That Good for the Housing Market?](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-isnt-cutting-or-hiking-interest-rates-is-that-good-for-the-housing-market/): The U.S. Federal Reserve announced it would leave interest rates unchanged at its April meeting. How will that impact the housing market? - [Buying an Older Home: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/americas-homes-are-older-than-ever-what-homebuyers-need-to-know-before-making-an-offer/): The typical U.S. home is now middle-aged at 44 years old, the oldest on record. The goal isn’t to avoid older homes. It’s to understand what to look for. - [Mortgage Rates: Why Waiting Could Cost You | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/mortgage-rates-then-now-and-why-sitting-on-the-sidelines-could-cost-you/): To understand today’s housing market, it helps to look at how mortgage rates have changed before, during, and after the pandemic. - [How to Sell Your Home Faster This Spring | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/hoping-for-a-quick-home-sale-how-home-sellers-can-get-ahead-this-spring/): After years of limited housing supply, more homes are entering the market in many areas this season. That means selling with a strategy is becoming essential. - [Coming Soon Listings Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-homebuyers-and-sellers-need-to-know-about-coming-soon-listings/): An increasing number of properties are now listed as “coming soon,” giving buyers a sneak peek of homes before they officially hit the market. - [Mortgage Rates Keep Coming Down](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-keep-coming-down/): Mortgage interest rates continued to fall as the spring housing market heats up. - [8 Housing Markets Tilting Toward Homebuyers This Spring](https://www.newamericanfunding.com/learning-center/housing-news/8-housing-markets-tilting-toward-homebuyers-this-spring/): In some places, that added housing supply is starting to tip the balance in favor of homebuyers. - [401(k) for a Down Payment: Pros & Cons | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/should-you-borrow-from-your-401k-for-a-down-payment-the-rewards-and-the-risks/): If saving enough for a down payment is challenging, tapping into your 401(k) or other retirement savings may look like an attractive option. - [What Homeowners Wish They Knew Before Buying | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/what-homeowners-wish-they-knew-before-beginning-the-homebuying-process/): Most homeowners with mortgages didn’t realize all the different ways they could save money when purchasing a home before they started the homebuying process. - [Bank Statement Loans for Self-Employed Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/bank-statement-loans-how-self-employed-borrowers-can-get-a-mortgage/): If you’re self-employed, you may not have the traditional income documentation lenders typically require. That's where a bank statement loan comes in. - [Baby Boomers Still Dominate Homebuying | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/baby-boomers-still-dominate-homebuying-as-younger-generations-push-forward/): Baby Boomers aren't giving up their grip on the housing market. The generation continues to make up the largest share of homebuyers. - [4 Jumbo Loan Myths Debunked | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/not-just-for-the-wealthy-busting-4-myths-about-jumbo-loans/): In high-cost areas across the country, jumbo loans are an increasingly common way for average homebuyers to afford homes with not-so-average price tags. - [Mortgage Rates Drop to Lowest Level in a Month](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-drop-to-lowest-level-in-a-month/): As the spring housing market warms up, mortgage interest rates fell to their lowest level in a month. - [How Long Does It Take to Get a Mortgage? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-race-to-closing-how-long-does-it-take-to-get-a-mortgage/): Securing a mortgage is often one of the biggest homebuying steps. So, how long does a mortgage application and approval take? - [99% of Housing Markets More Affordable | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/attention-homebuyers-99-of-major-housing-markets-are-more-affordable-than-last-year/): It’s more affordable to buy a home in the vast majority of the country than it was last year. - [Choosing a Mortgage Lender Beyond the Rate | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/if-every-lender-had-the-same-mortgage-rate-who-would-you-choose/): If you’re thinking about buying a home, refinancing a mortgage, or pulling equity out of your property, how do you choose which lender to work with? - [The 10 Best Cities for First-Time Homebuyers This Spring](https://www.newamericanfunding.com/learning-center/housing-news/the-10-best-cities-for-first-time-homebuyers-this-spring/): In more markets, first-time homebuyers are finding increased options and less competition. These are the best markets for first-time homebuyers. - [Home Equity Loans to Pay for College | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/should-you-use-a-home-equity-loan-to-put-your-kids-through-college/): Parents of college-bound kids may be able to use a home equity loan to help pay for tuition. - [Mortgage Rates Move Down for First Time in a Month](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-move-down-for-first-time-in-a-month/): Mortgage interest rates reversed course over the last week and fell for the first time in a month. - [Are ARMs Smart for First-Time Buyers? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/are-adjustable-rate-mortgages-a-smart-option-for-first-time-homebuyers/): If you’re considering an ARM, here’s what you need to know. - [The Home Features That Buyers Are Willing to Pay More For in 2026](https://www.newamericanfunding.com/learning-center/homeowners/the-home-features-that-buyers-are-willing-to-pay-more-for-in-2026/): For years, the formula for increasing a home’s value seemed simple. But today’s homebuyers have a different mindset, and they’re willing to invest real money. - [How to Find and Negotiate Home Price Cuts | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/home-price-cuts-how-to-find-properties-with-price-cuts-and-negotiate-an-even-better-deal/): There are plenty of properties for sale that have undergone a price cut or even multiple reductions. - [How to Navigate the Spring Housing Market | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-successful-homebuyers-are-approaching-todays-spring-housing-market/): Just a few years ago, buying a home used to require speed. Now buyers have something they haven’t had in years: a bit more time. - [When Is the Best Time to Sell a Home? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/when-is-the-best-time-to-sell-a-home-two-new-studies-point-to-spring/): The spring housing market continues to be the best time for sellers. This is the season when buyer demand rises and competition can push prices higher. - [Use Your Tax Refund for a Home Down Payment | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/need-a-down-payment-for-a-home-how-to-maximize-your-tax-return/): A tax refund can help you save for a home purchase faster, if you know how to maximize the return. - [Mortgage Rates Rise, But Buyers Can Still Save | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-rise-but-there-are-still-opportunities-to-save/): Homebuyers and homeowners hoping for some good news on mortgage interest rates are likely to be a bit disappointed. But there are still chances to save money. - [Inheriting a Home with a Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/can-you-inherit-a-home-with-a-reverse-mortgage-what-heirs-need-to-know/): One of the biggest myths about reverse mortgages is that family can't inherit a home with one of these loans. The reality is very different. - [What Is Fair Housing?](https://www.newamericanfunding.com/learning-center/inclusive-lending/what-is-fair-housing/): April is Fair Housing Month. This marks the anniversary of the Fair Housing Act, a federal law that helps ensure equal access to housing opportunities. - [Refinance to Eliminate Mortgage Insurance | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/trying-to-save-money-refinancing-your-home-loan-may-help-you-eliminate-your-mortgage-insurance/): Lower mortgage interest rates may help homeowners lower their monthly payments and potentially eliminate mortgage insurance. - [The 28/36 Mortgage Rule Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-2836-rule-for-mortgages-why-you-need-to-understand-these-numbers-before-buying-a-home/): Lenders often use the 28/36 mortgage rule to ensure you can afford a home. You can also use this rule to set your own budget before you begin home shopping. - [How to Decide If It’s Time to Downsize Your Home](https://www.newamericanfunding.com/learning-center/homeowners/how-to-decide-if-its-time-to-downsize-your-home/): Here’s what homeowners should think carefully about if they’re considering downsizing. - [Mortgage Rates Continue Rising, But Are Still Lower Than Last Year](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-continue-rising-but-are-still-lower-than-last-year/): Mortgage interest rates continued to trend upward in the last week, due to the ongoing conflict in Iran. However, rates remain lower than last year. - [More Homes for Sale: How Buyers Can Benefit | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-homes-are-going-up-for-sale-in-these-markets-how-buyers-can-use-that-to-their-advantage/): After years of fierce competition over a scarce housing supply, homebuyers might finally see the market turn a little in their favor. - [ARM Rates and Rate Caps Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/interested-in-an-adjustable-rate-mortgage-how-interest-rates-and-rate-caps-work/): While ARMs can be valuable tools, it’s important to understand how rate caps work and how they could affect your monthly payments. - [These Are the 10 Happiest Cities in America: Should You Move to One?](https://www.newamericanfunding.com/learning-center/housing-news/these-are-the-10-happiest-cities-in-america-should-you-move-to-one/): While happiness is personal, where you live can make a difference. These are the 10 happiest cities in America. - [Mortgages with Student Loan Debt | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-homebuyers-may-qualify-for-a-mortgage-with-student-loan-debt/): Student loan debt can make it difficult to save up for a down payment. But it doesn’t mean that qualifying for a mortgage with student debt is impossible. - [10.2 Million Hispanic Households Own Homes | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/historic-milestone-10-2-million-hispanic-households-now-own-their-homes/): A record number of Hispanic households are now homeowners, according to a new report. - [Good Credit Scores for Buying or Refinancing | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-a-good-credit-score-if-you-hope-to-buy-a-home-or-refinance-your-mortgage/): Your credit score isn’t just a number: it’s your financial superpower when it comes to buying a home. - [Buying a Home with a Sibling | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-with-a-sibling-a-smart-way-to-get-on-the-property-ladder/): Some buyers are finding creative ways to make homeownership work, such as teaming up with a sibling to buy a home together. - [But Stay Below Last Spring | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-rise-but-remain-lower-than-last-spring/): Mortgage interest rates ticked up this week, but remained about half a point lower than they were during last year’s spring housing market. - [How Jobs, Oil, and Inflation Impact Interest Rates](https://www.newamericanfunding.com/learning-center/videos/how-jobs-oil-and-inflation-impact-interest-rates/): The events of the past month have pushed volatility to the highest levels since April of last year. That's impacting interest rates. - [Second Thoughts? How to Avoid Homebuyer’s Remorse](https://www.newamericanfunding.com/learning-center/homebuyers/second-thoughts-how-to-avoid-homebuyers-remorse/): There are ways homebuyers can make sure they’re purchasing the right homes for their personal and financial situations and stave off buyer’s remorse. - [Fed Rate Hold: Spring Housing Impact | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-kept-interest-rates-steady-will-that-help-or-hurt-the-spring-housing-market/): Homebuyers hoping for a big interest rate cut at the start of the spring housing market will be disappointed. But mortgage rates may still come down. - [Where to Find Cheap Homes: The 10 Housing Markets Offering the Biggest Bargains](https://www.newamericanfunding.com/learning-center/housing-news/where-to-find-cheap-homes-the-10-housing-markets-offering-the-biggest-bargains/): Homebuyers who are willing to relocate may be able to save big money in these 10 more affordable housing markets. - [More Homes Go Under Contract as Spring Housing Market Warms Up](https://www.newamericanfunding.com/learning-center/housing-news/more-homes-go-under-contract-as-spring-housing-market-warms-up/): The housing market began to thaw in February as more homes went under contract. - [5.4 Million Could Benefit From Refinancing | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/about-5-4-million-homeowners-could-benefit-from-refinancing-thanks-to-lower-mortgage-rates/): About 5.4 million borrowers may reduce their mortgage interest rate by at least three-quarters of a percentage point if they refinance their home loans. - [President Trump Attempts to Boost Housing Affordability with Executive Orders](https://www.newamericanfunding.com/learning-center/housing-news/president-trump-attempts-to-boost-housing-affordability-with-executive-orders/): The White House is instructing federal agencies to closely examine regulations to address the country’s ongoing housing affordability issues. - [Still Paying PMI? You May Be Able to Deduct Your Mortgage Insurance from Your Taxes Next Year](https://www.newamericanfunding.com/learning-center/homeowners/still-paying-pmi-you-may-be-able-to-deduct-your-mortgage-insurance-from-your-taxes-next-year/): Every month, millions of homeowners pay for mortgage insurance. The good news is they may soon be able to get some of that money back. - [Use Rental Income to Buy More Property | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/investors-how-to-make-your-current-rental-property-pay-for-your-next-one/): Real estate investors, a cash-out refinance could give you the funds to expand your real estate portfolio without going through a lengthy loan approval process. - [Mortgage Rates Rise but Stay Below 2025 Levels | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-tick-up-but-remain-well-below-2025-levels/): After recently falling to their lowest level in nearly four years, mortgage interest rates have increased slightly. But rates remain well below 2025's levels. - [New Year Starts With Surge in Home Construction | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-new-year-kicks-off-with-a-surge-in-home-construction/): Homebuyers are about to have more new homes to choose from as builders ramp up new construction. - [Why Holding Onto Your Home Can Pay Off | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/why-holding-onto-your-home-can-really-pay-off-over-time/): Homes typically appreciate in value over time. And instead of paying rent, owners accumulate equity in their properties. That can pay off over time. - [Female DIY Home Renovators Share Their Stories | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/breaking-walls-and-gender-norms-inspiring-stories-from-two-female-diy-home-renovators/): In honor of Women’s History Month, we sat down with two female do-it-yourselfers who aren’t afraid to pick up a hammer or a tub of tile grout. - [Why Homeowners Skip FHA Streamline Loans | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/why-arent-more-homeowners-taking-advantage-of-fha-streamline-loans/): Why don't more homeowners take advantage of the Federal Housing Administration (FHA) Streamline Refinance? - [Why FHA Loans Appeal to First-Time Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fha-loans-why-this-may-be-the-best-mortgage-for-first-time-homebuyers/): FHA loans offer an array of benefits for cash-strapped first-time and repeat homebuyers. - [Reverse Mortgage Tax Advantages for Homeowners | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/reverse-mortgages-and-taxes-the-advantages-homeowners-wont-want-to-miss-out-on/): The money you receive from a reverse mortgage isn’t taxable income and that’s just one of the potential tax advantages for older homeowners. - [Best Times to Tour a Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-these-are-the-best-times-to-tourand-when-to-skip-the-visit/): Buying a home is a major life and financial decision, so you want to be sure you’re purchasing the right one. - [Mortgage Rates Remain Near Lowest Level Since 2022](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-remain-near-lowest-level-since-2022/): The spring housing market got some more good news in the last week, as mortgage interest rates hovered near their lowest level in almost four years. - [The Hottest 2026 Kitchen Trends: How to Get the Look for Less](https://www.newamericanfunding.com/learning-center/homeowners/the-hottest-2026-kitchen-trends-how-to-get-the-look-for-less/): Here’s what you need to know about how to incorporate these kitchen trends wisely (and cheaply) if you’re renovating, buying, or planning to sell. - [Top 10 Housing Markets for Out-of-Town Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-top-10-housing-markets-out-of-towners-cant-resist/): Homebuyers are continuing to pick up and move across the country. Where are they headed? - [Smart Ways to Prepare Your Home for Sale | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/planning-to-sell-your-home-this-year-make-these-smart-preparations-now/): Preparing early in the year for a home sale later in the year gives sellers something rare in real estate: time. - [Which Mortgage Is Right for You? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/there-are-lots-of-mortgages-out-there-which-one-is-right-for-you/): The best mortgage for you depends on you, your finances, and your homebuying goals. Here are the most common types of mortgages for homebuyers. - [Why Your Home's Exterior Color Matters | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/why-your-homes-exterior-color-matters-a-lot-more-than-you-realize/): Whatever the reason, your home's color palette can communicate how the home has been cared for and how it feels inside. - [Mortgage Rates Drop Below 6% | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-wait-is-finally-over-mortgage-rates-finally-drop-below-6/): Homebuyers and homeowners can finally exhale. Mortgage interest rates fell below 6% for the first time in three-and-a-half years. - [Can You Refinance Your HELOC?](https://www.newamericanfunding.com/learning-center/homeowners/can-you-refinance-your-heloc/): Whether your reason is to save money on interest or get additional time to pay off your balance, let’s look at when is a good time to refinance a HELOC. - [Reverse Mortgages for Older Homeowners | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/what-older-homeowners-need-to-know-about-reverse-mortgages/): Older homeowners may want to consider a reverse mortgage if they need cash. - [How to Buy the Home You're Renting | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/interested-in-buying-your-rental-home-this-is-how-to-make-that-happen/): It’s not uncommon to want to purchase the home that you’re renting. But first you need to make sure you can afford the home, craft an offer, and negotiate. - [Common Real Estate Terms Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/decoding-real-estate-lingo-what-these-common-terms-really-mean/): Here’s how to decode some of the most common real estate euphemisms and avoid falling for listing lingo that oversells or underdelivers. - [Mortgage Rates Flirt with Falling Below 6%](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-flirt-with-falling-below-6/): Mortgage interest rates fell to their lowest level since September of 2022, flirting with dipping below 6%. - [Homebuying Is Most Affordable in Nearly 4 Years | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/buying-a-home-is-the-most-affordable-its-been-in-almost-four-years/): Buying a home is more affordable than it’s been in nearly four years, according to a new report. - [How Homebuyers Use AI to Shop Smarter | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-homebuyers-are-using-ai-to-shop-smarter-faster-and-with-more-confidence/): For many homebuyers, AI is becoming the bridge between information overload and making the best decisions for them. Here’s how today’s buyers can leverage AI. - [How to Choose the Right Home Equity Loan | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/home-equity-loans-can-provide-much-needed-cash-how-to-choose-the-right-one-for-you/): If you have built up equity in your home and are hoping to tap into it, you have a lot of options. There are a variety of home equity loans. - [Top 3 States People Are Moving To and Leaving | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/here-are-the-top-3-states-attracting-new-residentsand-the-3-states-where-people-are-leaving/): Here are the top states attracting new residents - and the ones that people are leaving. - [Spring Homebuying Tips for a Competitive Market | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-this-spring-heres-how-to-succeed-in-a-competitive-housing-market/): If you plan to buy a home this spring, be prepared for fast sales, bidding wars, and competing with all-cash buyers. - [Mortgage Rates Inch Down, Showing the Housing Market Some Love](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-inch-down-showing-the-housing-market-some-love/): Mortgage interest rates are showing homebuyers and homeowners a little bit of love this Valentine’s Day as they came down a little. - [How to Know If a Home Is Right for You | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/love-at-first-showing-how-to-tell-if-that-home-is-really-right-for-you/): Shopping for a new home can be a lot like falling in love. Here are some things to watch out for so you don’t wind up with regrets. - [Tax Deductions Homeowners Should Know | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/tax-deductions-homeowners-must-know-before-filing-this-year/): With tax season comes changes in tax deductions and credits that could make a big difference to the bottom lines of homeowners. And who doesn’t want extra cash? - [5 Reasons to Love Homeownership | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/5-swoon-worthy-reasons-to-fall-in-love-with-homeownership-this-valentines-day/): This Valentine’s Day, commit to something with real staying power: homeownership. - [How a 1% Rate Drop Affects Mortgage Savings | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/small-interest-rate-drops-big-savings-what-a-1-difference-means-for-mortgages-and-refinances/): Mortgage rates are nearly a full percentage point lower than they were last year at this time. A decrease like that can unlock serious savings. Here's how. - [Which Home Loans Offer the Lowest Interest Rates?](https://www.newamericanfunding.com/learning-center/homebuyers/which-home-loans-offer-the-lowest-interest-rates/): Interest rates often vary depending on the loan. The length of the loan may also affect the rate, as will the size of the down payment, and other considerations - [10 Best States to Raise a Family in 2026 | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/these-are-the-10-best-states-to-raise-a-family-in-2026/): These are the best states to raise a family in for 2026. - [Mortgage Interest Rates Remain Low: Will Homebuyers Make a Move?](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-remain-low-will-homebuyers-make-a-move/): Mortgage interest rates continued to hover just above 6%, giving homebuyers some financial breathing room as the spring housing market is poised to kick off. - [Fannie Mae & Freddie Mac Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fannie-mae-and-freddie-mac-how-they-make-homeownership-possible-for-millions-of-americans/): Why are Fannie Mae and Freddie Mac so essential to the housing market? Keep reading to find out. - [Super Bowl LX Housing Showdown: Which Housing Market Reigns Supreme?](https://www.newamericanfunding.com/learning-center/housing-news/super-bowl-lx-housing-showdown-which-housing-market-reigns-supreme/): With the Seattle Seahawks and New England Patriots battling it out in Super Bowl LX, we're taking the competition off the field and into the real estate arena. - [Why Your Credit Score Keeps Changing | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/why-your-credit-score-keeps-changing-and-what-homebuyers-should-know/): Here’s what causes shifts in your credit score. This is what you should watch for if you’re planning a home purchase. - [Saving for a Down Payment Is Getting Easier | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/saving-for-a-down-payment-is-getting-easierand-help-is-available/): Saving for a down payment has long been one of the biggest challenges for many aspiring homebuyers. Yet it may be getting a little easier for buyers to save. - [Kevin Warsh as Fed Chair: Will Rates Fall? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/president-trump-taps-kevin-warsh-as-next-fed-chair-will-mortgage-rates-fall/): President Donald Trump announced Friday that he plans to nominate Kevin Warsh, a former U.S. Federal Reserve governor, to lead the nation’s central bank. - [8 Home Upgrades That Make a Big Impact | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/give-your-home-a-glow-up-8-meaningful-upgrades-delivering-big-impact/): From subtle design refreshes to strategic upgrades, a home glow-up doesn’t have to mean a full renovation or a five-figure budget, although it certainly can. - [Mortgage Rates Hover Near Three-Year Lows](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-hover-near-three-year-lows/): Mortgage interest rates remained just barely above three-year lows. - [Where is America Moving? The 10 Fastest-Growing States](https://www.newamericanfunding.com/learning-center/housing-news/where-is-america-moving-the-10-fastest-growing-states/): Here are the top 10 states that gained the most residents in the last year. - [Fed Holds Rates: Will Mortgages Stay Near 6%? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-didnt-lower-interest-rates-will-mortgage-rates-remain-in-the-low-6-range/): The U.S. Federal Reserve kicked off 2026 by keeping interest rates steady. How will that impact the housing market? - [The Mortgage Lock-In Effect Is Fading: Will More Affordable Homes Will Go Up for Sale?](https://www.newamericanfunding.com/learning-center/housing-news/the-mortgage-lock-in-effect-is-fading-will-more-affordable-homes-will-go-up-for-sale/): Fewer homeowners with mortgages are “locked” into their homes due to super-low interest rates. - [Financial Wellness Tips for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/its-financial-wellness-month-how-buyers-can-get-ready-to-buy-a-home/): The beginning of the year can be a great time to step back, take stock, and get financially organized before the spring housing market heats up. - [Will Cutting Interest Rates on Credit Cards Help More Americans Buy Homes—Or Make It Even Harder?](https://www.newamericanfunding.com/learning-center/housing-news/will-cutting-interest-rates-on-credit-cards-help-more-americans-buy-homesor-make-it-even-harder/): President Trump asked Congress to cap credit card interest rates at 10% for a year. He said it could help homebuyers save for a down payment. Could it backfire? - [How Your Home Can Support 2026 Resolutions | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/new-year-new-goals-how-your-home-can-help-you-stick-to-your-2026-resolutions2/): For many, the new year comes with a long list of goals to achieve in 2026. But many people don’t realize that their home may help them achieve their resolutions - [10 Fastest-Growing Home Trends | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/homebuyers-and-home-sellers-take-note-the-10-fastest-growing-home-trends/): Here is how to future-proof your home and lean into the design wave ahead. - [Mortgage Interest Rates Remain Just Above 6%](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-remain-just-above-6/): While homebuyers and homeowners have been eagerly waiting for mortgage interest rates to drop into the 5% range, rates stubbornly remained just above 6%. - [How to Renovate Your Home with Your Future in Mind](https://www.newamericanfunding.com/learning-center/homeowners/how-to-renovate-your-home-with-your-future-in-mind/): Designers and contractors say that approaching renovations with universal design principles in mind helps a home stay flexible and market-ready. - [Could Your 401(k) Help You Buy a Home? Trump Administration Proposes New Down Payment Option](https://www.newamericanfunding.com/learning-center/housing-news/could-your-401k-savings-help-you-buy-a-home-trump-administration-proposes-new-down-payment-option/): The Trump administration proposed allowing U.S. workers to withdraw money from their 401(k) retirement accounts to help cover a down payment on a home. - [How Mortgage Interest Rates Affect Your Costs | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/this-is-how-much-your-mortgage-interest-rate-will-really-cost-you/): In honor of Financial Wellness Month, let’s explore how much mortgage rates really cost you in the long run—and how you can keep those costs down. - [10 Places for First-Time Buyers in 2026 | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/10-places-first-time-buyers-may-be-able-to-find-an-affordable-home-in-2026/): The housing market can seem a bit intimidating for first-time buyers heading into 2026. But some housing markets are giving new buyers a better shot. - [MLK's Legacy: Fair Housing Laws by State | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/how-martin-luther-king-jrs-legacy-continues-to-impact-housing-fair-housing-protections-by-state/): For Martin Luther King, Jr., fair housing was key to the civil rights movement. Today, fair housing protections are at the federal, state, and local levels. - [Why You Need a Mortgage Pre-Approval Letter | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/a-competitive-edge-why-you-need-a-pre-approval-letter-in-a-hot-housing-market/): If you’re hoping to buy a home, you’ll want to use every tool to make your offer stand out. A mortgage pre-approval letter can be a competitive edge. - [Mortgage Interest Rates Drop to Lowest Point in More than Three Years](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-drop-to-lowest-point-in-more-than-three-years/): Mortgage interest rates just dropped to their lowest point in nearly three-and-a-half years. - [Why Buying a Home in Winter May Pay Off | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/calling-all-homebuyers-shopping-in-winter-may-be-a-winning-move/): Here’s what you need to know if you’re considering buying a home during the winter months and how to leverage the season to your advantage. - [Lower Mortgage Rates Drive Big Increase in Existing Home Sales](https://www.newamericanfunding.com/learning-center/housing-news/lower-mortgage-rates-drive-big-increase-in-existing-home-sales/): Mortgage interest rates have been on the decline and it’s contributing to an increase in home sales. - [Home Prices Are Falling, Hitting a Four-Year Low](https://www.newamericanfunding.com/learning-center/housing-news/home-prices-are-falling-hitting-a-four-year-low/): Home prices are edging lower nationally. While the decline has been modest, the direction is beginning to matter, especially as mortgage rates are easing. - [4 Common Mortgage Fears for First-Time Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/first-time-homebuyer-jitters-how-to-overcome-4-common-mortgage-fears/): Even the most prepared homebuyer may have some nagging questions. Below are four common homebuyer concerns and how you can overcome them with minimal stress. - [What Makes a Home Affordable? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/is-that-home-really-affordable-what-affordable-means-when-youre-a-homebuyer/): What does “affordability" mean when you’re buying a home? Try not to think of it as something only tied to home prices or mortgage rates. - [Mortgage Rates Fall Below 6% | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-fall-to-three-year-low-after-trump-pushes-for-housing-affordability/): Mortgage interest rates have plunged to their lowest level since early 2023 after President Donald Trump announced a push to increase housing affordability. - [Long-Term Home Renovations: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/more-homeowners-are-renovating-for-the-long-term-what-to-know-before-starting-a-project/): Here’s what to keep in mind if you are thinking about upgrading your home for the long-term. - [Mortgage Rates Near 14-Month Low in 2026 | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-remain-near-14-month-low-to-start-2026/): The good news has continued for mortgage interest rates. Last week, interest rates hit a 14-month low. This week, they barely budged. - [Using a Cash-Out Refinance to Pay Bills | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/considering-a-cash-out-refinance-how-your-home-may-be-able-to-help-you-pay-your-bills/): Homeowners often don’t realize that they may be able to use the equity they have built in their homes to help pay their bills with a cash-out refinance. - [Would President Trump’s Ban on Big Investors Buying Single-Family Homes Bring Down Housing Costs?](https://www.newamericanfunding.com/learning-center/housing-news/would-president-trumps-ban-on-big-investors-buying-single-family-homes-bring-down-housing-costs/): President Donald Trump wants to ban large Wall Street investors from buying single-family homes to make housing more affordable. - [Looking for a Home? The Top 10 Housing Markets of 2026](https://www.newamericanfunding.com/learning-center/housing-news/looking-for-a-home-the-top-10-housing-markets-of-2026/): The top 10 housing markets of 2026 is based on where homebuyer demand is strong, affordability will improve, and locals have the financial means to buy a home. - [What is a Mortgage Rate?](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-a-mortgage-rate/): What is a mortgage interest rate and why does it matter? Even small differences in your rate can translate into thousands of dollars over the life of your loan. - [How To Price Your Home So It Sells Quickly](https://www.newamericanfunding.com/learning-center/homeowners/how-to-price-your-home-so-it-sells-quickly/): Listing a home in today’s market can feel tricky. Here’s some insight from real estate experts to help you secure a fast sale at a good price. - [Buy a Fixer-Upper with a Renovation Loan | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buy-the-worst-house-on-the-best-block-with-a-home-renovation-loan/): A home renovation loan allows you to finance both the cost of the home and the cost of the remodeling and repair work with a single mortgage. - [How to Buy a Home with Your Partner | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/from-dating-to-deed-how-to-buy-a-home-with-a-romantic-partner/): Before you co-sign that mortgage with your romantic partner, here’s what to know about navigating homeownership as an unmarried couple.   - [Ending the Year with a Bang: Mortgage Rates Fall to Lowest Point of 2025](https://www.newamericanfunding.com/learning-center/housing-news/ending-the-year-with-a-bang-mortgage-rates-fall-to-lowest-point-in-2025/): The lowest mortgage interest rates of 2025 just slid in under the end-of-year deadline, providing homebuyers and homeowners with some financial relief. - [What Are Homebuying Classes—And Should You Take One?](https://www.newamericanfunding.com/learning-center/homebuyers/what-are-homebuying-classesand-should-you-take-one/): If you’re thinking about buying a home for the first time, odds are you’ve been told to take a homebuyer class. But what exactly are they and do you need one? - [Reverse Mortgages: More Protection for Seniors | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/reverse-mortgage-evolution-more-protection-more-peace-of-mind-for-older-homeowners/): Reverse mortgages have been around for decades, but today’s loans look very different from earlier versions. - [HELOC Mistakes That Could Cost Homeowners | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/what-homeowners-dont-understand-about-helocsand-why-it-could-be-costing-them/): Here’s a closer look at the biggest misconceptions about HELOCs, how those myths can hurt you, and what to keep in mind if you’re considering using a HELOC. - [What to Expect When Closing on a Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-to-expect-when-you-close-on-a-home-its-more-than-just-picking-up-the-keys/): Closing on a home includes a massive amount of t-crossing and i-dotting. That means it’s a time to be extremely meticulous. - [Mortgage Rates Dip: A Holiday Gift for the Housing Market](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-dip-a-holiday-gift-for-the-housing-market/): Homebuyers and homeowners have received the gift of lower mortgage interest rates this holiday season. - [Most Homebuyers Still Plan to Buy in 2026 | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/homebuyers-arent-giving-up-most-plan-to-purchase-in-2026/): Even after a year shaped by affordability challenges, most would-be homebuyers aren’t giving up. Instead, they're planning to purchase a home in 2026. - [Housing Markets with the Most Price Cuts | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/hoping-for-a-deal-these-housing-markets-have-the-highest-percentage-of-price-cuts/): After years of rising home prices, homebuyers are finally regaining some leverage. In larger housing markets, home sellers are lowering asking prices. - [Local Red Flags Homebuyers Often Overlook | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/hyper-local-blind-spots-buyers-often-overlook-at-their-peril/): Sometimes, the everyday realities of what it will be like to live in a home are overlooked. These not-so-noticeable things can impact your property values. - [The Smart Parent’s Guide to Buying a Home With Kids in Mind](https://www.newamericanfunding.com/learning-center/homebuyers/the-smart-parents-guide-to-buying-a-home-with-kids-in-mind/): Here’s what parents should consider when shopping for a home with kids in mind with some tips on finding a property that will work for the whole family. - [Mortgage Rates Dip Slightly as the New Year Approaches](https://www.newamericanfunding.com/learning-center/housing-news/mortgages-rates-dip-slightly-as-the-new-year-approaches/): Mortgage interest rates ticked down ever-so-slightly as 2025 comes to a close. - [In Case You Missed It: The Best Housing Stories of 2025](https://www.newamericanfunding.com/learning-center/housing-news/in-case-you-missed-it-the-best-housing-stories-of-2025/): If you’ve been watching the housing market this year, you know 2025 has been full of some big real estate news. Here are some of the top stories from 2025. - [2026 VA Loan Limits Increase | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/servicemembers-and-veterans-celebrate-va-loan-limits-increase-in-2026/): Servicemembers and veterans who use a VA loan to buy a home may be able to increase their purchasing power in the new year. These are the new 2026 VA loan limit - [5 Reasons Homebuyers Can Be Optimistic | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-5-big-things-homebuyers-can-be-happy-about-these-days/): The tide may be turning for homebuyers. Here is a closer look at what has changed for buyers and why many are entering the housing market again. - [2026 Mortgage Rate and Home Price Forecast | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/will-mortgage-rates-fall-will-home-prices-keep-rising-what-to-expect-in-2026/): Will mortgage rates finally fall below 6%? Will home prices come down? These are some of the big questions facing the housing market as we move into 2026. - [2026 FHA Loan Limits for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-may-be-afford-more-home-next-year-fha-loan-limits-for-2026/): Homebuyers using a FHA loan will soon be able to stretch their budgets a little further. Here are the 2026 loan limits. - [11 Best Buyer's Markets for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-11-places-where-buyers-have-the-upper-hand-right-now/): The housing market is finally shifting toward buyers in many parts of the country as more homes go up for sale. Here's where buyers can score big. - [2026 Home Decor Trends Buyers Love | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/the-2026-decor-shift-buyers-are-falling-for-and-the-smart-ways-to-bring-them-home/): Lately, there has been a noticeable change happening inside the homes catching the most attention from buyers. Here's how you can make it happen in your home. - [Fed Cuts Interest Rates for the New Year | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/new-year-new-market-as-the-fed-lowers-interest-rates/): The U.S. Federal Reserve, in a widely expected move, lowered interest rates a quarter of a percentage point in the final meeting of the year. - [2026 Homebuying and Refinancing Tips | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-your-loan-officer-wants-you-to-know-before-you-buy-a-home-or-refinance-in-2026/): If you’re planning to buy a home or refinance your mortgage in 2026, the people at the forefront of the home loan process have something important to tell you. - [Fed Rate Cut: Will It Boost Housing in 2026? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-lowered-interest-rates-will-it-give-the-housing-market-a-boost-in-2026/): The Federal Reserve voted to lower its benchmark rate. Could this help drive mortgage rates down as we move into 2026? - [Using Home Equity to Pay Off Student Debt | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/using-your-home-to-pay-off-your-student-debt-heres-what-to-know/): Some homeowners are turning to cash-out refinances to ease the burden of their student loans. Read on to find out if this strategy could work for you. - [You’ll Never Guess the Absolute Best Day of the Year to Buy a Home in 2025](https://www.newamericanfunding.com/learning-center/housing-news/youll-never-guess-the-absolute-best-day-of-the-year-to-buy-a-home-in-2025/): If you’re hoping to buy a home this year, don’t despair. The best day to make an offer may be just around the corner. - [5 Hidden Home Sale Deal Killers | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/home-sellers-beware-5-hidden-deal-killers-that-can-derail-a-home-sale/): Most home sellers want to move from an offer to the closing table quickly. However, deals can fall apart, even at the last minute. Here's how to avoid it. - [5 Real Estate Investing Myths Debunked | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/live-out-your-real-estate-investor-dreams-5-investor-myths-busted/): Here are some of the most common misconceptions about real estate investing and the truth behind these myths. - [A Holiday Gift: Mortgage Rates Keep Falling](https://www.newamericanfunding.com/learning-center/housing-news/a-holiday-gift-mortgage-rates-keep-falling/): If you’re among the millions who could save money by refinancing their home loan or are considering buying a home, there's good news as mortgage rates fell. - [Best Time of Year to Buy a Home and Save | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/should-you-time-buying-a-home-around-the-seasons-it-could-save-you-up-front-cash/): Here’s how you can use the calendar to your advantage and close at a time when costs may be lower, timelines faster, and sellers more ready to make a deal. - [What Home Inspections May Miss | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buyer-be-warned-what-home-inspections-dont-always-catch/): Home inspections aren’t an ironclad guarantee against future repairs or costly surprises. - [Beware of AI-Doctored Home Listing Photos | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/browsing-home-listings-online-dont-be-fooled-by-ai-doctored-photos/): Certain uses of AI in real estate can be helpful, such as providing personalized home searches. Others, like AI-doctored listing photos, can be frustrating. - [These Are the 10 Best Places in the U.S. to Retire in 2026](https://www.newamericanfunding.com/learning-center/housing-news/these-are-the-10-best-places-in-the-us-to-retire-in-2026/): Forget sunny Florida. If you’re thinking about where to spend your Golden Years, you may want to consider moving to the Midwest. - [Could You Save Money by Refinancing? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/millions-of-homeowners-could-save-money-right-now-by-refinancing-are-you-one-of-them/): For anyone who bought real estate when rates surged, now may be a good window in which to lower their costs. Here’s what homeowners need to know now. - [How to Choose the Right Home Security System | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/how-to-choose-the-right-security-system-for-your-home/): Many homeowners are investing in home security systems. How can you pick the right one for your needs? - [Budget Furnishing Tips for Your Home | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/budget-furnishing-tips-how-to-fill-your-home-without-emptying-your-wallet/): With some creativity, patience, and insider knowledge, you can transform your space into a magazine-worthy haven while keeping your bank account happy. - [Mortgage Rates Tick Down | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/something-to-give-thanks-for-mortgage-rates-tick-down/): Homebuyers and homeowners have something to be grateful for just in time for Thanksgiving: Lower mortgage interest rates. - [How to Calculate Refinance Break-Even Point | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/homeowners-heres-how-to-calculate-the-mortgage-refinance-break-even-point/): By refinancing into a lower interest rate, homeowners may be able to lower their monthly mortgage payment. This is how to figure out if it makes sense for you. - [2026 Loan Limits for Homebuyers and Homeowners | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/big-news-for-homebuyers-and-homeowners-here-are-the-new-loan-limits-for-2026/): With home prices continuing to rise, the federal government is set to increase the loan limits for the mortgages that most people use to buy a home or refi. - [Best Black Friday Deals for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-biggest-black-friday-deals-homebuyers-and-homeowners-wont-want-to-miss/): Black Friday isn't just about computers, TVs, or skincare. You may also be able to find bargains on new homes, mortgages, building materials, and much more. - [Looking for an Affordable Home? 23 Cities Where You Can Find One for $250,000 or Less](https://www.newamericanfunding.com/learning-center/housing-news/looking-for-an-affordable-home-23-cities-where-you-can-find-one-for-$250000-or-less/): Buying a home can feel a bit challenging. However, that doesn’t mean today’s housing market is out of reach for homebuyers on a tight budget. - [Fannie Mae Removes Minimum Credit Scores | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/big-news-for-homebuyers-fannie-mae-eliminates-minimum-credit-score-requirement/): For years, many hopeful homebuyers had to have a credit score of at least 620 to secure certain popular mortgages. That hard line just softened. - [Lower Mortgage Rates Spur More Home Sales](https://www.newamericanfunding.com/learning-center/housing-news/lower-mortgage-rates-spur-more-home-sales/): Thanks to lower mortgage rates, more people jumped into the housing market and bought up existing homes in October. - [Short Sales: Are These Bargain Homes Worth It? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/short-sales-should-you-give-these-bargain-homes-a-second-look/): One way to get a lower-priced home is through a short sale. This occurs when a home is sold at a lower price than what the homeowner owes on the mortgage. - [6 Tips to Holiday-Proof Your Home | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/its-that-time-of-year-6-tips-to-holiday-proof-your-home-and-your-sanity-this-season/): The holidays can be a wonderful time, but they can also be quite stressful. Here’s how to get your home ready for hosting a stress-free holiday gathering. - [What is a Portable Mortgage? Could It Make Buying a New Home More Affordable?](https://www.newamericanfunding.com/learning-center/housing-news/what-is-a-portable-mortgage-could-it-make-buying-a-new-home-more-affordable/): In today’s pricey housing market, the idea of portable mortgages is being floated as ways to bring housing costs down. But what is a portable mortgage? - [Why Make a Backup Offer on a Home? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/why-making-a-back-up-offer-on-a-home-can-be-a-homebuyers-power-move/): For anyone serious about landing a home that’s already under contract, this is what buyers need to know about how (and why) a back-up offer can work for them. - [Buying a Historic Home: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/timeless-or-troublesome-what-you-need-to-know-before-buying-a-historic-home/): A historic home can offer beauty and pride of ownership, but it also demands time, money, and a readiness to follow strict rules. - [Mortgage Access Eases After Government Shutdown | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/it-should-be-easier-to-get-a-mortgage-now-that-the-government-shutdown-is-over/): The longest government shutdown in U.S. history ended, which should make it easier for homebuyers and homeowners to secure new loans. - [Why Get a Mortgage If You Can Pay Cash? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/when-getting-a-mortgage-makes-senseeven-if-you-could-buy-a-home-in-cash/): Here’s what you need to know about when and why financing may be the smarter play than depleting your nest egg—and when writing a check for full price wins. - [How to Buy Land with an FHA Loan | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/planning-to-build-your-forever-home-how-to-purchase-land-with-an-fha-loan/): You may be able to use an all-in-one FHA loan to help cover the cost of buying a piece of land and funding the construction of your new home. - [The Typical First-Time Homebuyer Has Never Been Older. What Does That Mean for Younger Generations?](https://www.newamericanfunding.com/learning-center/housing-news/the-typical-first-time-homebuyer-has-never-been-older-what-does-that-mean-for-younger-generations/): Pricey rent and student loans, along with high prices and elevated mortgage rates, have made it harder for many to achieve homeownership. - [How Veterans Can Maximize VA Loan Benefits | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/making-homeownership-more-accessible-for-veterans-how-to-access-all-the-benefits-of-a-va-loan/): In a market where home prices remain high and mortgage rates can feel punishing, a VA loan may be the key to unlocking homeownership for those who have served. - [Can 50-Year Mortgages Make Homes Affordable? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/would-50-year-mortgages-make-buying-a-home-more-affordable/): Would a 50-year mortgage make it cheaper to own a home? That depends. - [18% Mortgage Rates? Homebuying Was Once Harder | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/18-mortgage-rates-buying-a-home-used-to-be-even-more-challenging/): It was even more difficult to achieve homeownership several decades ago, when double-digit interest rates were the norm. - [Buying a Home Near a Cemetery or Airport | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/would-you-live-near-a-cemetery-airport-or-highway-to-score-a-deal-on-a-home/): While a home located right near a highway or airport may not be what you imagined when buying a home, these locations may allow you to stretch your budget. - [Real Estate Listing Words That Signal Savings | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-money-saving-listing-words-smart-buyers-should-never-ignore/): As home prices remain high, decoding listing language can be its own strategy. If you learn to spot the right language, you may be able to save thousands. - [7 Bold and Practical Home Trends for 2026 | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/what-will-be-hot-in-2026-the-7-bold-and-the-surprisingly-practical-home-trends/): If 2025 was the year of the “quiet luxury” aesthetic, 2026 is shaping up to be anything but hush-hush. - [FHA Loans: Flexible Path for First-Time Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-fha-loans-provide-a-flexible-path-to-homeownership-for-first-time-buyers/): FHA loans have become the key to unlocking homeownership for many first-time homebuyers who may struggle to qualify for other types of home loans. - [Are Smaller Homes Also Cheaper? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/homes-are-getting-smaller-does-that-mean-theyre-also-cheaper/): If you’re a homebuyer who has been browsing real estate listings lately, you might have noticed a change in the new homes for sale. They're getting smaller. - [Is the Fed Flying Blind as It Lowers Interest Rates?](https://www.newamericanfunding.com/learning-center/housing-news/is-the-fed-flying-blind-as-it-lowers-interest-rates/): The Federal Reserve, in a widely expected move, lowered interest rates on Oct. 29 by a quarter of a percentage point. - [Mortgage Rates Fall to New 2025 Low | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-fall-again-reaching-lowest-level-in-2025/): Mortgage rates continued to decline in the last week, much to the delight of homebuyers and homeowners alike. - [What Homeowners Can Learn From 2025's Cost vs. Value Report](https://www.newamericanfunding.com/learning-center/homeowners/what-homeowners-can-learn-from-2025s-cost-vs-value-report/): Here’s a look at the top 10 home improvement projects that deliver the highest return on your investment when you choose to sell. - [Will Mortgage Rates Fall Below 6%? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-slashed-rates-will-stubborn-mortgage-rates-now-fall-below-6/): Many homebuyers and homeowners are hopeful that the Fed's quarter-point cut will finally bring mortgage interest rates meaningfully down. - [House Hacking: Let Rent Pay Your Mortgage | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/house-hacking-how-to-buy-a-home-and-have-someone-else-pay-your-mortgage/): If you want to become a homeowner but don’t know if you can afford the monthly payments, you may be able to buy a home, live in it—and have someone else pay. - [7 Essential Fall Home Maintenance Tasks | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/the-7-top-home-maintenance-tasks-homeowners-need-to-do-this-fall/): Fall is for more than pumpkin patches and lovely leaves. It’s also a time to do some home maintenance. Make sure these tasks are on your to-do list this fall. - [ARMs vs. Buydowns: Lower Initial Payments | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/hoping-to-save-money-during-the-first-years-of-your-mortgage-an-adjustable-rate-mortgage-or-buydown-loan-may-be-right-for-you/): Knowing how ARMs and buydown loans work and who they’re best suited for can help buyers decide which option fits their budget and long-term plans. - [How the Great Lock-In Could Help Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-the-great-lock-in-trend-could-help-you-finally-buy-a-home/): As the year winds down, people commit to a focused few months of self-improvement. For aspiring homeowners, that same effort can be powerful. - [How to Avoid Bad Neighbors When Buying | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/great-home-nightmare-neighbors-how-to-avoid-a-bad-match/): While the home may check every box on your wish list, the real deal-breaker might be next door. Here's how you can avoid years of frustration. - [Mortgage Rates Hit Lowest Point in Over a Year | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-drop-to-their-lowest-point-in-more-than-a-year/): Mortgage interest rates hit their lowest point in more than a year. - [Home Sales Rise as Mortgage Rates Drop | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-continue-to-increase-as-more-buyers-jump-on-lower-mortgage-rates/): Existing home sales rose again in September as lower mortgage rates became an incentive for more people to buy a home. - [Buying a Home in Uncertain Times | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/when-the-economy-feels-shaky-buying-a-home-may-still-be-a-smart-financial-move/): Many may be hesitant to buy a home during shaky economic times. However, homeownership might provide more financial protection and flexibility—not less. - [Typical Down Payments Across the U.S. | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/this-is-how-much-the-typical-down-payment-is-across-the-country/): Forget the old “rules” of homebuying. Most buyers aren’t putting 20% down when purchasing a home, but they’re still putting down more than they did before 2020. - [These are the 10 Happiest States in America. Do You Live in One?](https://www.newamericanfunding.com/learning-center/housing-news/these-are-the-10-happiest-states-in-america-do-you-live-in-one/): Wouldn’t it be nice to wake up feeling blissfully happy every day? Where you live may play a larger part than you may think. - [How Much Can an ARM Save You? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-much-can-homebuyers-save-with-an-adjustable-rate-mortgage-it-could-be-a-lot/): Those hoping to ease into their mortgage payments may want to consider an adjustable-rate mortgage, also known as an ARM. - [Haunted House? 3 Ways to Get Rid of Ghosts | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/do-you-live-in-a-haunted-house-3-ways-to-get-rid-of-unwanted-ghosts/): Mysterious footsteps in the dead of night. Inexplicable cold spots raising the hair on your neck. If any of this sounds familiar, your home may be haunted. - [Falling Mortgage Rates Boost Refinancing | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-continue-to-decline-driving-more-homeowners-to-refinance/): The recent decline in mortgage interest rates continued, providing both homebuyers and homeowners with an opportunity to save money. - [DSCR Loans for Real Estate Investors | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/interested-in-being-a-real-estate-investor-the-dscr-mortgage-may-be-right-for-you/): A DSCR loan is a type of mortgage where lenders qualify you based on the cash flow of the investment property itself, rather than how much you earn. - [Your Mortgage Isn't Your Loan. So, What Is It Then?](https://www.newamericanfunding.com/learning-center/videos/your-mortgage-isnt-your-loan-so-what-is-it-then/): For many people, the terms “mortgage” and “home loan” may be interchangeable. But they have two different meanings. Let's break it down. - [How a 3-2-1 Buydown Helped Us Buy a Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-a-3-2-1-buydown-helped-us-land-the-right-home-in-a-tough-market/): For some, a buydown loan can be the key to becoming a homeowner. That was exactly the case for New American Funding's own Kasey Cruz. Here's her story. - [How to Sell a Home in a Balanced Market | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/selling-a-home-in-a-balanced-market-how-todays-sellers-can-stand-out/): With mortgage rates declining and listings increasing, the market in many cities is now balanced, while others even favor buyers. Here's what you need to know. - [Gen Z Has Entered the Chat: Here’s What They’re Looking for in a Home](https://www.newamericanfunding.com/learning-center/housing-news/gen-z-has-entered-the-chat-heres-what-theyre-looking-for-in-a-home/): It might feel like Generation Z is still years away from making adult decisions. But the oldest members of this generation are already buying their first homes. - [Jumbo vs. FHA Loans: Which Is Right for You? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/jumbo-loan-vs-fha-loan-which-mortgage-is-right-for-you/): Here's what buyers need to know about jumbo and FHA loans. - [Falling Mortgage Rates Attract More Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-slide-down-luring-more-homebuyers-into-the-market/): Mortgage interest rates ticked back down again, luring more homebuyers back into the market. - [Are You a First-Time Homebuyer? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/are-you-a-first-time-buyer-surprise-it-doesnt-always-mean-someone-purchasing-their-first-property/): Being a "first-time buyer" in the eyes of lenders and government programs doesn't always mean it's actually your first home purchase. - [What is Mortgage Loan Servicing?](https://www.newamericanfunding.com/learning-center/videos/what-is-mortgage-loan-servicing/): Mortgage loan servicing is the management of your home loan after it closes. One of the primary functions of a loan servicer is collecting the monthly payments. - [Best Week to Buy a Home in 2025 | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-best-time-to-buy-a-home-in-2025-homebuyers-could-save-this-much-during-this-special-week/): Homebuyers who’ve sat out the usually busy summer market should mark their calendars now. They may be able to get the best deal of the year in October. - [Fall 2025 Home Design Trends and Ideas | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/fall-2025-home-design-warmth-individuality-and-a-touch-of-drama-plus-wallpapered-ceilings/): The season’s top looks reflect an uptick in interiors and colors that are both comforting and bold. - [Housing Market Balance: What Buyers Should Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-housing-market-finally-finds-balance-what-it-means-for-buyers-this-fall/): The U.S. market has reached five months of supply of housing stock, according to Realtor.com’s August Monthly Housing Report. - [How Will the Government Shutdown Impact Homebuyers and Homeowners?](https://www.newamericanfunding.com/learning-center/housing-news/how-will-the-government-shutdown-impact-homebuyers-and-homeowners2/): As the federal government shutdown continues, homebuyers and homeowners may be be wondering what this means for them. This is what they need to know. - [Why Homeownership Matters to Hispanic Families | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/el-hogar-why-homeownership-is-so-important-in-the-hispanic-community/): Despite affordability and other challenges, homeownership remains a top goal for many Hispanic Americans. - [New vs. Existing Homes: Which Should You Buy? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/should-you-buy-a-new-home-or-an-existing-one-right-now/): For anyone shopping for a home, one question often looms large: Should you buy new construction or make an offer on an existing home? - [Mortgage Discount Points: How They Save Money | New American Funding](https://www.newamericanfunding.com/learning-center/videos/what-are-mortgage-discount-points-a-potential-money-saver/): Wouldn’t it be nice to be able to save some money on your mortgage? One way to do that is by buying discount points, which can reduce your payments. - [Is This Fall the New Spring for Buying a Home?](https://www.newamericanfunding.com/learning-center/homebuyers/is-this-fall-the-new-spring-for-buying-a-home/): Buyers who skipped the spring, burned by higher rates and limited options, are starting to return this fall.  - [Affordability Alert: The 15 Housing Markets Where Home Prices Are Falling the Most](https://www.newamericanfunding.com/learning-center/housing-news/affordability-alert-the-15-housing-markets-where-home-prices-are-falling-the-most/): The housing market has begun to shift. Prices are beginning to come down in many parts of the country, giving buyers a bit of a financial break. - [Home Sales Are Rising Thanks to Lower Mortgage Rates](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-are-rising-thanks-to-lower-mortgage-rates/): More people eagerly bought new and existing homes in August thanks to the recent decline in mortgage rates. And it looks like sales will continue to rise. - [Lower Rates Make Cash-Out Refinancing Cheaper | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/homeowners-lower-interest-rates-are-making-cash-out-refinances-more-affordable/): Cash-out refinances allow you to trade in your existing mortgage for a new, larger loan and then pocket the difference using your home equity as collateral. - [Why Homebuyers May Want an ARM This Fall | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/homebuyers-may-want-an-adjustable-rate-mortgages-this-fall-for-this-big-money-saving-reason/): Homebuyers waiting for mortgage rates to dramatically decline may be in for a longer wait—unless they choose an adjustable-rate mortgage. - [Lower Mortgage Rates Boost Existing Home Sales | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-shoppers-took-advantage-of-lower-mortgage-rates-to-purchase-existing-homes/): Existing home sales rose in August as mortgage interest rates dipped. - [Calling Fall Home Sellers: 5 Smart Moves To Make Now](https://www.newamericanfunding.com/learning-center/homeowners/calling-fall-home-sellers-5-smart-moves-to-make-now/): Selling your home in the fall can be tricky with the end of the summer rush. And yet, if done right, sellers can still land a great deal. - [Why Homebuyers Need Title Insurance](https://www.newamericanfunding.com/learning-center/videos/why-homebuyers-need-title-insurance/): Title insurance is essential for protecting homeowners and lenders from potential issues with someone claiming they are the rightful owners of the property. - [New Home Sales Skyrocket to Three-Year High](https://www.newamericanfunding.com/learning-center/housing-news/new-home-sales-skyrocket-to-three-year-high/): New home sales hit their highest level in three-and-a-half years, thanks to the combination of falling mortgage rates and homebuilders offering more incentives. - [How to Take Advantage of Lower Mortgage Rates | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-you-need-to-do-right-now-to-take-advantage-of-lower-rates/): If the U.S. Federal Reserve continues to lower rates, now may be a good time to get your finances in order. - [Bold and Balanced: 2026’s Top Paint Trends](https://www.newamericanfunding.com/learning-center/homeowners/bold-and-balanced-2026s-top-paint-trends/): This year’s leading colors strike a balance between bold personality and everyday livability, offering homeowners fresh options to suit a range of styles. - [HELOCs Get Cheaper for Home Renovations | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/planning-home-renovations-getting-a-heloc-just-became-cheaper/): If you’ve been waiting for interest rates to fall before starting that big home renovation or making a large purchase, get the confetti ready. - [Homebuyers May Soon Get Some Peace: New Law Will End Unsolicited Calls After Mortgage Applications](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-may-soon-get-some-peace-new-law-will-end-unsolicited-calls-after-mortgage-applications/): The barrage of unsolicited offers that people experience after applying for a mortgage is about to come to an end, thanks to a new law signed in September. - [What’s Happening with Interest Rates](https://www.newamericanfunding.com/learning-center/videos/whats-happening-with-interest-rates/): Welcome back to the Mortgage Rundown. Today we are going to talk about what’s happening with interest rates. - [Mortgage Interest Rates Continue to Fall | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/what-goes-up-must-come-down-mortgage-interest-rates-continue-to-fall/): Mortgage interest rates continued their downward slide in the last week, providing both homebuyers and homeowners with some much-needed financial relief. - [How Much Refinancing Saves as Rates Fall | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homeowners-this-is-how-much-a-refinance-can-save-you-every-time-rates-fall/): Interest rates are falling. Over the course of a 30-year loan, lower rates could help homeowners save tens of thousands of dollars—or even more. - [How Much Do You Need to Save to Buy a Home?](https://www.newamericanfunding.com/learning-center/videos/how-much-do-you-need-to-save-to-buy-a-home/): When planning to buy a home, many people focus on the down payment. But there’s another important part of the equation that people shouldn’t overlook. - [Fed Cuts Interest Rates | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-and-homeowners-rejoice-the-fed-just-cut-interest-rates/): The U.S. Federal Reserve cut interest rates a quarter of a percentage point on Wednesday, much to the delight of many homebuyers and homeowners. - [Homebuyers, Your Purchasing Power Went Up: How Much More Home You Can Afford with Every Rate Drop](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-your-purchasing-power-went-up-how-much-more-home-you-can-afford-with-every-rate-drop/): Homebuyers may finally be getting some relief—and increased purchasing power as mortgage rates fall. This may put more expensive homes within reach. - [Save Money by Refinancing to an ARM | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/looking-to-save-money-you-may-want-to-refinance-your-home-loan-to-an-adjustable-rate-mortgage/): Most people don’t like uncertainty, especially when it comes to their finances. So, they may avoid adjustable-rate mortgages, but an ARM could help you save. - [How to Prepare to Refinance When Rates Drop | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/ready-set-refinance-what-homeowners-can-do-to-get-ready-to-refinance-when-interest-rates-drop/): Before you apply for a refinance, make sure it will wind up saving you money over the short- and long-term. - [Credit Reports: What Homebuyers Should Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/understanding-your-credit-report-what-homebuyers-need-to-know/): Your credit report summarizes how well you’ve handled borrowing money to help lenders figure out likelihood you will make your monthly mortgage payments. - [Mortgage Rates See Biggest Drop in a Year | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-just-fell-by-more-than-they-have-in-a-year/): Attention homebuyers and homeowners: There’s more good news when it comes to mortgage interest rates. - [Why Delaying Buying a Home Could Cost You | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/why-putting-off-buying-a-home-may-cost-you-serious-money/): It isn’t just what it costs to buy a home today. It’s about what not buying a home could cost you in the long run. - [Is an Adjustable-Rate Mortgage Right for You?](https://www.newamericanfunding.com/learning-center/videos/is-an-adjustable-rate-mortgage-right-for-you/): An adjustable-rate mortgage is just what it sounds like, a home loan where the mortgage interest rate adjusts at certain points in the life of the loan. - [Fall 2025: A Buyer-Friendly Housing Market | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fall-2025-is-shaping-up-to-be-a-buyer-friendly-marketheres-how-to-play-it/): For years, fall has been the overlooked season in real estate. But this year, autumn is shaping up to be prime homebuying time for those still on the hunt. - [Can You Buy a Home If You're Self-Employed? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/forget-the-myths-youve-heard-if-youre-self-employed-you-may-still-be-able-to-buy-a-home/): For many people, being self-employed is the dream. However, this can make it harder to get a traditional mortgage. That’s where non-QM loans come in. - [Why You Shouldn't Time the Housing Market | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-no-1-reason-you-probably-shouldnt-try-to-time-the-housing-market/): It would be great to buy a home when prices are low, sell at the peak, and then pocket the profits. But it's hard to predict future home prices. - [Mortgage Rates Fall to Lowest Level in Nearly a Year](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-fall-to-lowest-level-in-nearly-a-year/): One of the biggest trends in real estate over the last few months has been the fall of mortgage interest rates. It continued over the past week. - [HELOC Tips for Imperfect Credit | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/heloc-help-tips-for-getting-approved-if-your-credit-isnt-perfect/): Homeowners with less-than-perfect credit score may be able to qualify for a Home Equity Line of Credit (HELOC). - [What You Need to Know About 1-0 Buydowns](https://www.newamericanfunding.com/learning-center/videos/what-you-need-to-know-about-1-0-buydowns/): If you want to buy a home but are concerned about starting off with a large monthly mortgage payment, you may be able to ease into homeownership. - [Why 2025 Homebuyers Have the Upper Hand | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/real-estate-by-the-numbers-why-2025-buyers-have-the-upper-hand/): For the past four years, homebuyers have faced a tough equation: too few homes for sale and a market where sellers called the shots. But that math is changing. - [How to Love Your Home Again on a Budget | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/how-to-love-your-home-again-without-breaking-the-bank/): Whether you’re working with a tight budget or ready to invest in more significant changes, the right design approach can help you reconnect with your space. - [5 Ways to Lock In a Lower Mortgage Rate](https://www.newamericanfunding.com/learning-center/homebuyers/5-ways-to-lock-in-a-lower-mortgage-rate/): There are ways homebuyers may be able to lock in a lower mortgage interest rate. They just have to get a little creative. - [5 Tips for a Smooth Out-of-State Move | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/moving-out-of-state-5-pro-tips-for-a-smooth-relocation/): There are ways to prepare for a big relocation that may help alleviate move-related anxiety - [Mortgage Rates Came Down. Will They Keep Falling?](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-came-down-will-they-keep-falling/): Mortgage interest rates ticked down slightly, making purchasing a home a little bit more affordable for buyers. - [How Mortgage Rate Buydowns Save Money | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-rise-of-mortgage-rate-buydowns-how-they-can-save-buyers-thousands/): Some builders, and even the occasional seller, are so eager to get to the closing table that they are buying down mortgage rates for home shoppers. - [Why You Need to Know About Pre-Paid Closing Costs](https://www.newamericanfunding.com/learning-center/videos/why-you-need-to-know-about-pre-paid-closing-costs/): When you're closing on a home loan, you'll likely encounter some upfront costs beyond your down payment. These are called closing costs. - [How Schools Affect Home Values | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-education-premium-how-local-schools-can-impact-home-values/): Homes in areas with top-rated public schools often attract more buyers and may be able to command higher prices. - [When Does Refinancing Your Mortgage Make Sense? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/thinking-about-refinancing-your-mortgage-heres-how-to-know-when-it-makes-senseand-when-it-doesnt/): Homeowners who got saddled with high interest rates since the start of the pandemic might see this as the perfect time to refinance their mortgage. But is it? - [Hottest U.S. Real Estate ZIP Codes | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/these-are-the-hottest-zip-codes-in-the-us-right-now-did-yours-make-the-list/): The hottest places to live in America right now are in some of the coolest parts of the country. - [Looking for a Bargain? Home Prices Fell the Most in These 15 Popular Housing Markets](https://www.newamericanfunding.com/learning-center/housing-news/looking-for-a-bargain-home-prices-fell-the-most-in-these-15-popular-housing-markets/): Many people would love to buy a home but worry they can’t afford to do so. However, it is getting a little easier to do so in many parts of the country. - [How Soon Can You Refinance After Buying a Home?](https://www.newamericanfunding.com/learning-center/homeowners/how-soon-can-you-refinance-after-buying-a-home/): For some homeowners who locked in mortgages during a higher-rate moment, one question looms large: “How long do I have to wait before I can refinance?” - [Markets Brace for Inflation Report | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/running-out-of-runway-markets-brace-for-inflation-report/): If we see any rise in inflation, that could push interest rates right back up. If there isn’t any increase, the focus becomes when the Fed will lower rates. - [Buyers Snap Up More Existing Homes as Homeownership Becomes More Affordable](https://www.newamericanfunding.com/learning-center/housing-news/buyers-snap-up-more-existing-homes-as-homeownership-becomes-more-affordable/): The real estate market picked up a little in July as existing homes became a little more affordable for buyers. - [5 Million Homeowners Could Save if Rates Fall | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/nearly-5-million-homeowners-could-save-money-if-mortgage-rates-fall-to-this-number/): Almost 5 million homeowners are just a fraction of a percentage point away from potentially being able to save money on their mortgage. - [Fixed-Rate vs. Adjustable-Rate Mortgages Video | New American Funding](https://www.newamericanfunding.com/learning-center/videos/fixed-rate-vs-adjustable-rate-mortgage/): There are a lot of decisions when it comes to buying a home. One of the most important choices is what type of home loan you’re going to use. - [Fannie Mae and Freddie Mac Going Public? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/fannie-mae-and-freddie-mac-could-be-going-public-what-it-could-mean-for-homebuyers-and-homeowners/): Fannie Mae and Freddie Mac could return to their previous status as publicly traded companies. If this comes to pass, it could have far-reaching consequences. - [Mortgage Options for Self-Employed Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/freelancers-gig-workers-and-business-owners-are-buying-homes-with-these-mortgages/): Self-employed, small business owners, and gig workers may be eligible for a non-qualified (non-QM) mortgages. - [More New Construction Homes Coming to Market | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/good-news-homebuyers-more-newly-constructed-homes-to-soon-hit-the-market/): The number of homes under construction rose in July. - [10 Hottest School Districts for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-seeking-top-schools-will-pay-top-prices-in-the-10-hottest-school-districts/): House-hunting families are facing a tough lesson in economics this year: top-rated public schools can drastically increase the price tag of a home in the area. - [Conforming vs. Non-Conforming Loans | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/understanding-conforming-loans-versus-non-conforming-loansand-why-homebuyers-should-care/): Homebuyers may want to understand the differences between conforming and non-conforming loans when choosing a mortgage. - [How Buy Now, Pay Later Affects Mortgages | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buy-now-pay-later-may-get-in-the-way-of-your-mortgage-application/): Buy now, pay later platforms create debt in your name, which lenders may take into consideration when determining your creditworthiness. - [1% Down Mortgages: What Homebuyers Should Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/too-good-to-be-true-what-homebuyers-need-to-know-about-1-down-mortgages/): Some lenders have begun offering ultra-low-down payment mortgages, as low as 1%, to help more people achieve homeownership. - [What’s Included in a Mortgage Payment?](https://www.newamericanfunding.com/learning-center/videos/whats-included-in-a-mortgage-payment/): When you make a mortgage payment, you’re not just paying off your home loan itself. Your mortgage payment includes several other important costs. - [Why Your Credit Score Matters for Homeownership | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/your-credit-score-could-be-the-key-to-homeownershipheres-why/): If you’re thinking about buying a home this year, there’s one number you can’t afford to ignore: your credit score. - [Common Excuses for Delaying Homeownership | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/still-waiting-to-buy-a-home-these-popular-excuses-might-be-hurting-you/): Hesitations may seem logical at first glance. But this mindset may prevent buyers from building wealth through homeownership. - [Fed Rate Cut Could Boost the Housing Market | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/a-fed-rate-cut-looks-likely-next-month-that-could-give-the-housing-market-a-boost/): The odds of interest rates falling later this year just improved. This could be good news for homebuyers and homeowners who would like to refinance their mortga - [Get Your Home Ready for Back-to-School Season](https://www.newamericanfunding.com/learning-center/homeowners/get-your-home-ready-for-back-to-school-season/): As your family settles into back-to-school season, you may want to create a study space that encourages academic success. And it doesn't have to cost a fortune. - [How to Buy a Home with Resale Value in Mind | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/future-proof-your-home-purchase-how-to-buy-a-home-with-resale-value-in-mind/): In a real estate market where every dollar counts, buyers are wise to ask: Will this home be hard to sell later? - [Will Mortgage Rates Fall Further This Year? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-dropped-will-they-fall-even-further-this-year/): Mortgage interest rates recently came down—and many homebuyers and homeowners are wondering if they will fall further. - [14 States Offering Free College Tuition | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buy-a-home-in-one-of-the-14-states-that-offers-free-college-tuition/): Some families may want to consider moving to or remaining in one of the many states that offer free college tuition. - [What Is Mortgage Insurance and Its Cost? | New American Funding](https://www.newamericanfunding.com/learning-center/videos/what-is-mortgage-insurance-why-it-could-affect-your-bottom-line/): Buyers generally pay mortgage insurance every month, rolled into their monthly payments. - [Mortgage Terms Explained: Home Loan Dictionary | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/mortgage-terminology-explained-a-comprehensive-home-loan-dictionary/): Regardless of where you are in your home loan journey, it’s important to understand mortgage terminology. - [How Buyers Benefit from More Homes for Sale | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/more-homes-are-for-sale-how-buyers-can-use-that-to-their-advantage/): It’s been a while since homebuyers had the upper hand. But this summer, that balance is finally beginning to shift. - [FHA Loan Limits 2025: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fha-loan-limits-in-2025-what-homebuyers-need-to-know/): If you’re planning to buy a home with a Federal Housing Administration (FHA) loan in 2025, there’s good news: You might be able to borrow more this year. - [What is Resortcore? A Home Design Trend to Relax into This Summer](https://www.newamericanfunding.com/learning-center/homeowners/what-is-resortcore-a-home-design-trend-to-relax-into-this-summer/): A new aesthetic is rising—one with a pampering, transportive spirit: Resortcore. - [Mortgage Rates Decline for Second Week in a Row—With All Eyes Now on the Fall](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-fall-for-the-second-week-in-a-rowwith-all-eyes-now-on-the-fall/): There’s good news for anyone thinking about buying a home: mortgage interest rates dipped for the second week in a row. - [Mortgage Rates Steady: What the Fed Pause Means | New American Funding](https://www.newamericanfunding.com/learning-center/videos/mortgage-rates-hold-steady-again-what-the-feds-pause-means/): New American Funding Chief Investment Officer Jason Obradovich breaks down what the latest Fed decision means for mortgage rates. - [Typical Home Prices in Every State | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/this-is-how-much-the-typical-home-costs-in-every-state/): Homebuyers looking for a real estate deal may want to head to this state, which boasts the lowest home prices in the nation. - [Should You Lock or Float Your Mortgage Rate? | New American Funding](https://www.newamericanfunding.com/learning-center/videos/should-you-lock-or-float-your-mortgage-interest-rate/): A big question that many home shoppers have is whether to lock in their mortgage interest rate—or float it and hope that rates will fall. - [Mortgage Rates May Fall Despite Fed Holding Steady | New American Fund](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-didnt-lower-rates-but-mortgage-rates-may-still-fall-this-year/): Mortgage rates won’t be heading south just yet, but could be poised to come down this fall. - [Mortgage Fine Print Homebuyers Should Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-mortgage-fine-print-every-homebuyer-should-read-carefully/): A mortgage comes with a lot of paperwork. And in that thick stack of disclosures and agreements are details that could shape your monthly budget for years.  - [When Is a Cheap Home a Red Flag?](https://www.newamericanfunding.com/learning-center/homebuyers/when-is-a-cheap-home-a-red-flag/): Not every bargain home is a wise investment. Some homes are underpriced for strategic reasons, while others come with serious issues. - [7 Things to Do Before Moving Into Your New Home | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/you-bought-a-home-the-7-things-you-need-to-do-before-moving-in/): Making renovations, safety checks, and deep cleans in your new home can help you enjoy those first few months—and years—in your residence. - [Hybrid Appraisals & Remote Closings | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-in-the-digital-age-with-hybrid-appraisals-and-remote-closings/): Newer processes, like hybrid home appraisals and remote closings, can speed up the homebuying process. They can also often lower costs, a big benefit for buyers - [Mortgage Rates Dip Slightly as Purchase Applications Tick Up](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-dip-slightly-as-mortgage-applications-tick-up/): Mortgage interest rates dipped slightly after two consecutive weeks of increases. - [What Is Due Diligence in Real Estate? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-due-diligence-in-real-estate-a-buyers-guide-to-getting-it-right/): Between an accepted offer and the closing table lies one of the most essential phases of a home sale: due diligence. - [4 Savings Challenges for Future Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/saving-for-a-home-4-viral-challenges-that-could-help-you-become-a-homeowner/): Viral savings challenges can make it easier and more enjoyable to put money away for a down payment on a home. - [Best Cities for First-Time Homebuyers in 2025 | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/these-are-the-best-cities-for-first-time-homebuyers-in-2025/): These are the 10 best places for first-time homebuyers. - [Pandemic Homebuying Mistakes to Avoid | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-pandemic-homebuying-mistakes-some-buyers-are-still-making/): For some homebuyers, the habits honed at the height of COVID-19—rushed decisions, bidding high, ignoring red flags—are proving hard to shake. - [How Gen Z Is Buying Homes | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/gen-z-is-breaking-into-the-housing-marketheres-how-theyre-pulling-it-off/): Members of Generation Z aren't sitting this housing market out. - [What Are Comps in Real Estate? You Can’t Afford to Ignore Them](https://www.newamericanfunding.com/learning-center/homebuyers/what-are-comps-in-real-estate-you-cant-afford-to-ignore-them/): Short for “comparable sales,” comps are vital to understanding the market whether you’re selling, buying, or just keeping tabs on real estate activity. - [Using a Reverse Mortgage to Fund Retirement | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/if-you-need-help-funding-your-retirement-you-may-want-to-consider-a-reverse-mortgage/): Here’s what you need to know about reverse mortgages, including how they work and who might gain the most from them. - [Why Mortgage Contingencies Matter | New American Funding](https://www.newamericanfunding.com/learning-center/videos/what-are-mortgage-contingenciesand-why-homebuyers-need-them/): Don’t overlook the importance of contingencies when you’re putting your offer together. These powerful clauses can provide you with financial peace of mind. - [When Should You Lock In a Mortgage Rate?](https://www.newamericanfunding.com/learning-center/homebuyers/when-should-you-lock-in-a-mortgage-rate/): Mortgage rates often change. That’s why homebuyers who have an offer accepted on a property may want lock in their rate. This is what to consider. - [Is Buying a Home a Smart Financial Decision in 2025?](https://www.newamericanfunding.com/learning-center/homebuyers/is-buying-a-home-a-smart-financial-decision-in-2025/): As more homes go onto the market and sellers are increasingly cutting price tags, many potential homebuyers are wondering whether to make a move now—or wait. - [How to Lower Your Mortgage Payments | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/how-to-lower-your-mortgage-payments-smart-moves-that-can-save-you-thousands/): Whether you’re a recent homebuyer or a long-time homeowner, there are several ways to reduce your monthly mortgage payment. - [6 Ways to Make Moving This Summer Easier on Kids](https://www.newamericanfunding.com/learning-center/homeowners/6-ways-to-make-moving-this-summer-easier-on-kids/): A summer move can feel like an emotional rollercoaster, especially for kids. This is how to make it easier for everyone. - [Here’s How the "Big Beautiful Bill" Will Impact Housing and Real Estate](https://www.newamericanfunding.com/learning-center/housing-news/heres-how-the-big-beautiful-bill-will-impact-housing-and-real-estate/): The “One Big Beautiful Bill Act” will bring significant change to the U.S. housing market, particularly around the tax benefits of homeownership. - [The 4 Paint Colors That Will Boost Your Home’s Value—And the Ones That Could Cost You Thousands](https://www.newamericanfunding.com/learning-center/housing-news/the-4-paint-colors-that-will-boost-your-homes-valueand-the-ones-that-could-cost-you-thousands/): If you’re hoping to increase your home’s value, avoid light and bright colors and choose dark, moody paint colors instead.   - [Using Home Equity to Fund a New Business | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/launching-a-new-business-you-may-want-to-tap-into-your-home-equity-to-cover-startup-costs/): Many small business owners turn to traditional business loans or credit cards. But homeowners launching a new company have another option: a home equity loan. - [How to Get a Mortgage for a Barndominium | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/love-rustic-homes-how-to-get-a-mortgage-for-a-barndominiumyes-its-possible/): Barndominiums—aka barndos—have graduated into the mainstream. While the aesthetic is easy to love, financing a barndominium takes a bit of extra work. - [Summer 2025’s 8 Chicest Outdoor Decor Trends Are All About Layered Light, Luxe Lounging, and Water with Wow](https://www.newamericanfunding.com/learning-center/housing-news/summer-2025s-8-chicest-outdoor-decor-trends-are-all-about-layered-light-luxe-lounging-and-water-with-wow/): As summer kicks off, outdoor spaces are getting the designer treatment with curated materials, clever lighting, and all-day, all-night livability. - [Mortgage Rates Continue to Tick Down, Offering Homebuyers Some Relief](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-continue-to-tick-down-offering-homebuyers-some-relief/): For the fifth week in a row, mortgage interest rates continued to come down. - [How Buyers Save with Seller Concessions | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/more-home-sellers-are-offering-concessions-this-is-how-homebuyers-can-save-big/): More sellers are offering valuable concessions, which can range from contributing to closing costs to making expensive repairs. - [Why Homeowners Refinance Despite Higher Rates | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/why-homeowners-are-refinancing-their-mortgages-despite-higher-rates/): Even though you have a low rate on your mortgage, there are some situations where refinancing your existing loan makes sense. - [A Mini-Correction May Be Brewing in the Housing Market—and It Could Give Buyers Some Relief](https://www.newamericanfunding.com/learning-center/housing-news/a-mini-correction-may-be-brewing-in-the-housing-marketand-it-could-give-buyers-some-relief/): There are signs that the U.S. housing market is slowly shifting to favor buyers in a growing number of places. - [How Millennials Can Buy a Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/millennials-are-warming-up-to-homebuyingheres-how-they-can-close-the-deal/): More millennials are interested in buying homes, suggesting growing confidence among a generation that has long been priced out of the real estate market. - [9 Hottest Summer Home Decor Trends | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/wallpapered-kitchen-islands-statement-ceilings-the-9-hottest-home-decor-trends-this-summer/): A fresh wave of design trends is sweeping through many homes this summer. This season’s styles blend natural textures, sun-washed palettes, and playful elements - [Mortgage Rate Outlook Remains Uncertain | New American Funding](https://www.newamericanfunding.com/learning-center/videos/continued-uncertainty-over-the-direction-of-mortgage-rates/): This is what's going on with mortgage rates and why they haven't fallen further. - [Using Bitcoin and Ethereum to Secure a Mortgage | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/bitcoin-ethereum-and-buying-a-home-homebuyers-may-soon-be-able-to-use-crypto-to-secure-a-mortgage/): Homebuyers may soon be able to use cryptocurrency to help them purchase a home. - [Home Sales Set to Increase as Mortgage Rates Continue to Fall](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-set-to-increase-as-mortgage-rates-continue-to-fall/): The summer housing market is getting hot—and it’s not just thanks to the heat dome blanketing much of the country. - [10 Best Places to Retire in America in 2025 | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/enjoy-your-golden-years-these-are-the-10-best-places-to-retire-in-america-in-2025/): Hoping to retire soon? You may want to check out the best places in the U.S. to retire. - [Homeownership Helps Fuel the Rise of 'Everyday Millionaires'](https://www.newamericanfunding.com/learning-center/housing-news/homeownership-helps-fuel-the-rise-of-everyday-millionaires/): Homeownership helped to turn more Americans into "everyday millionaires" with seven-figures to their name. - [7 Tips for a Lush Garden Oasis | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/garden-goals-7-tips-to-transform-your-yard-into-a-lush-garden-oasis/): When you're planning a garden, it’s important to think through how the space will be used, what’s possible given the property, and what you hope to grow. - [Is Flood Insurance Necessary? Flood Zone Risks | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/is-flood-insurance-really-necessary-understanding-flood-zone-risk/): Here’s something many homeowners don’t realize: standard homeowners insurance does not cover flood damage. - [Home Inventory Rises, Sales Hold Steady | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-properties-are-hitting-the-market-as-existing-home-sales-remain-stable/): The big story in the housing market these days appears to be the growing number of homeowners who are listing their homes for sale. - [Ways Veterans Can Tap into Home Equity | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/creative-ways-for-veterans-to-tap-into-their-home-equity/): Eligible service members, veterans, and military spouses can tap into the equity in their homes to get cash to pay for many expenses. - [Transgender Homebuyers: Challenges and Tips | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/the-challenges-facing-transgender-homebuyersand-how-to-overcome-them/): For many transgender homebuyers, the path to ownership may be fraught. However, there are steps to take for a less stressful homebuying experience. - [How Student Loan Delinquency Affects Homebuying | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/student-loan-delinquency-a-new-barrier-to-homeownership2/): As the federal government resumes student loan collections following a years long pandemic pause, many borrowers are putting their plans to buy a home on hold. - [How Single Black Women Redefine Homeownership | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/breaking-barriers-how-single-black-women-are-redefining-homeownership/): In a housing market where high prices and mortgage rates are sidelining many aspiring homeowners, one group of buyers is forging ahead: single, Black women. - [Mortgage Rates Fall to Four-Week Low](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-fall-to-four-week-low/): Homebuyers and homeowners are getting a little bit of good news this week, as mortgage rates dropped for the third week in a row. - [The Fed Leaves Interest Rates Unchanged: How This Will Affect the Housing Market](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-leaves-interest-rates-unchanged-how-this-will-affect-the-housing-market/): Homebuyers who were hoping that mortgage rates would drop this summer may be disappointed. However, they may still get a break. - [Why Sell Your Home This Summer? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/why-this-summer-may-be-the-perfect-time-to-list-your-home/): The summer offers buyers eager to close a deal before the school year begins, good weather, and a window when there won’t be as many sellers competing. - [Here are the Best Places to Live in 2025](https://www.newamericanfunding.com/learning-center/housing-news/here-are-the-best-places-to-live-in-2025/): If you’re looking for an ideal place to live, it might be a good idea to look at some of the growing suburbs outside of large major cities. - [Falling Home Prices Bring Good News for Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/home-prices-are-slipping-for-buyers-that-might-be-the-best-news-all-year/): Good news homebuyers, prices may be coming down a little. - [FHA Loan Closing Costs Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fha-loan-closing-costs-understanding-whats-included-and-how-you-may-be-able-to-save-money/): Many homebuyers choose Federal Housing Administration (FHA) loans because they don’t need to bring as much money to the closing table. But they will still need - [Wildfire Damage: Programs to Help Pay Bills | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/if-your-home-is-damaged-by-a-wildfire-these-programs-may-help-you-pay-your-bills/): Wildfire survivors often find themselves juggling insurance claims, temporary housing, and mortgage payments. Fortunately, there are a range of relief programs. - [Mortgage Rates Tick Down for Second Week in a Row](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-tick-down-for-second-week-in-a-row/): Mortgage interest rates fell slightly this week. - [Adjustable-Rate Mortgages: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/adjustable-rate-mortgages-are-back-heres-what-you-need-to-know/): Homebuyers are increasingly turning to adjustable-rate mortgages (ARMs) as a potential solution to manage higher borrowing costs. - [Benefits of Homeownership: Is Buying Right? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-benefits-of-homeownership-is-buying-a-home-right-for-you/): Owning a home allows you to build equity in your property, stabilize the majority of your housing costs, and personalize your residence. - [When a Cash-Out Refinance Makes Sense | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/need-some-extra-money-heres-when-a-cash-out-refinance-might-make-sense/): Emergency expenses, major life events, debt consolidation, home improvements—real life can get expensive. A cash-out refinance may help. - [12 Affordable Beach Towns for Vacation Homes | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/craving-surf-and-sand-12-budget-friendly-beach-towns-to-buy-a-vacation-home/): While beachfront real estate often conjures up visions of million-dollar price tags, the good news is you don’t need a fortune to make that dream come true. - [Ready to Unplug from Everyday Life? Add a Quiet Room to Your Home](https://www.newamericanfunding.com/learning-center/housing-news/ready-to-unplug-from-everyday-life-add-a-quiet-room-to-your-home/): If you’re craving a calm, cozy space, you may want to consider adding a quiet room to your home. - [How Buyers Can Find the Right Home This Summer | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/scrolling-through-listings-how-buyers-can-score-the-right-home-this-summer/): This summer may be shaping up to offer buyers something spring didn’t: leverage. - [Kid-Friendly Meccas: These Are the 10 Best Places to Raise a Family in 2025](https://www.newamericanfunding.com/learning-center/housing-news/kid-friendly-meccas-these-are-the-10-best-places-to-raise-a-family-in-2025/): An under-the-radar, Bay Area city was named the best place in America to raise a family in 2025. - [Second Mortgages: Are They Right for You? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/second-mortgages-are-a-great-way-to-access-cashbut-are-they-right-for-you/): Are you a homeowner who needs cash to cover college tuition, home repairs, or a surprise medical expense? A second mortgage might be your answer. - [LGBTQ+ Homebuyers: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/pride-in-homeownership-what-lgbtq-buyers-should-know-before-purchasing-a-home/): Before making an offer on a home, some LGBTQ+ buyers are doing more than checking the list prices —they’re scanning for subtle signs of inclusion. - [Understanding California Property Taxes: A Guide for Homeowners](https://www.newamericanfunding.com/learning-center/homeowners/understanding-california-property-taxes-a-guide-for-homeowners/): Let’s look at how property taxes work in California, including supplemental property taxes that can add to your housing bill. - [How to Upsize Your Home without Breaking the Bank](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-upsize-your-home-without-breaking-the-bank/): Upsizing, when you trade up to a home with more square footage, isn’t always as simple as picking a bigger place and calling the movers. - [9 Places to Clean Before Showing Your Home | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/9-key-places-in-your-home-that-youre-forgetting-to-clean-before-showings/): If you’re selling your home, you have probably forgotten to clean a few spots you no longer notice—but buyers definitely will. - [How to Hire Affordable Home Contractors | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/how-to-hire-the-best-affordable-contractors-to-work-on-your-home-this-year/): It's important to keep home repair and remodel costs down while still hiring a qualified contractor to tackle the job safely and correctly. - [How Much Home Can $400,000 Buy You Across the Country?](https://www.newamericanfunding.com/learning-center/housing-news/how-much-home-can-$400000-buy-you-across-the-country/): What kind of home will $400,000 get you across the country? - [6 Ways to Finance a New Swimming Pool | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/make-a-splash-6-ways-to-finance-a-new-pool-for-your-home/): Homeowners may be able to tap into their home equity to help pay for a pool just in time for summer. - [New Home Sales Rise as Builders Cut Prices](https://www.newamericanfunding.com/learning-center/housing-news/new-home-sales-rise-as-builders-cut-prices/): More newly constructed homes are hitting the market, many with lower price tags. - [Why Is This the Best State in America for the Third Year in a Row?](https://www.newamericanfunding.com/learning-center/housing-news/why-is-this-the-best-state-in-america-for-the-third-year-in-a-row/): This state was named the best in America for these important reasons. - [Why Pre-Approved Buyers Lose Loans | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/pre-approved-homebuyers-can-still-lose-out-on-loans--heres-why/): You may have been pre-approved—only to be denied a home loan or approved for less than the amount you were expecting. Here are some possible reasons. - [Selling a Home with a Mortgage? What You Need to Know](https://www.newamericanfunding.com/learning-center/homeowners/selling-a-home-with-a-mortgage-what-you-need-to-know/): Putting your home on the market with an outstanding mortgage is the norm. Most sellers are still paying off their loans when that “For Sale” sign hits the lawn. - [Starter Homes: Your First Step to Homeownership | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/starter-homes-how-they-can-get-you-on-the-property-ladder/): If you embrace the concept of a starter home, you may find yourself unlocking the door to your very own place sooner than you think. - [How VA Buyers Can Compete in Today’s Market | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-va-loan-buyers-can-compete-in-todays-housing-market/): With no down payment required and stricter property standards, VA loans are often misunderstood. Here's how VA buyers can make their offers more attractive. - [Will Super-Low Mortgage Rates Return? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/will-super-low-mortgage-rates-make-a-comebackor-have-they-hit-a-new-normal/): Mortgage rates in the mid- to high-6% range may be the “new normal” in the housing market—at least for now. That may be a good thing. - [What to Do If Your Home Gets No Offers | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/sellers-dont-panic-what-to-do-if-your-home-doesnt-receive-any-offers/): You may wonder why your home isn’t selling. Fortunately, there are steps you can take to (hopefully) ensure that it does. - [What Happens After Your Offer on a Home Has Been Accepted?](https://www.newamericanfunding.com/learning-center/videos/what-happens-after-your-offer-on-a-home-has-been-accepted/): Congratulations, your offer on a home has been accepted. Find out what happens now and what costs you can expect so you know how to plan for them. - [Conventional vs. FHA, VA & USDA Loans | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/choosing-a-mortgage-conventional-loans-vs-fha-va-and-usda-loans/): If you’re shopping for a mortgage, you likely have more loan options than you realize. Conventional Loans are one of the most popular choices. But FHA, USDA, an - [6 Budget-Friendly Home Renovation Tips | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/budget-savvy-remodels-6-tips-on-how-to-renovate-your-home-for-less/): Home renovations are rarely just about aesthetics. They’re about solving a problem—sometimes many at once—while trying to hold the line on cost. - [Housing Market Shifts in Buyers' Favor | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/good-news-for-buyers-the-housing-market-is-leaning-more-in-their-favor/): There are more homes for sale, slowing home price growth, and an increasing number of sellers are trimming their initial asking prices. - [Your Home Offer Was Accepted: What's Next? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/your-offer-on-a-home-was-accepted-this-is-what-happens-next/): After your offer on a home is accepted, the real work begins. This is what to expect. - [New Construction Home Walk-Through Checklist | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/new-doesnt-mean-perfect-what-to-look-for-in-a-new-construction-home-walk-through/): Your final walk-through in a newly built home isn’t just a formality—it’s your last chance to ensure everything is as it should be before the home officially be - [How to Navigate a Seller’s Market](https://www.newamericanfunding.com/learning-center/videos/how-to-navigate-a-sellers-market/): Buying a home in a seller’s market can be challenging. Find out what you need to know about bidding wars, sticking to your budget, and navigating the market. - [Why Days on Market Matters | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-or-selling-a-home-why-understanding-days-on-market-is-key/): Days on market reveals real insight to the market—and hints at what kind of deal you might be able to strike as a buyer or a seller. - [The Fed Left Rates Unchanged. What Does This Mean for Mortgage Rates?](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-left-rates-unchanged-what-does-this-mean-for-mortgage-rates/): The U.S. Federal Reserve announced it would leave its interest rates unchanged. Does this mean mortgage rates will rise, fall, or stay about where they are now? - [7 First-Year Homeownership Surprises | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/7-homeownership-surprises-that-might-hit-in-year-oneand-how-to-handle-them/): No matter how meticulous your inspection was, the first year in a new home is usually full of surprises. - [Working with a Real Estate Agent: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/read-this-before-working-with-a-real-estate-agent-what-homebuyers-should-know/): Homebuyers now need to come to an agreement with their agents on what services the agent will provide and how much the agent will be paid. - [How to Save Money on Your Next Move | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-save-money-on-your-next-move-without-relying-on-family-and-friends/): There are ways you can save money on your next move that doesn’t involve asking your family and friends to help do it for you. - [Mortgage Application Dos and Don'ts | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/hope-to-become-a-homeowner-the-dos-and-donts-of-applying-for-a-mortgage/): There are plenty of things you can do (and a few big things to avoid) to make your mortgage application process go as smoothly as possible. - [Mortgage Rates Stabilize, Dip | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-stabilize-tick-down-a-little/): Mortgage interest rates fell, then they rose, and now they appear to be stabilizing and slowly dropping. - [What Homebuyers Need to Know About HOAs](https://www.newamericanfunding.com/learning-center/homebuyers/what-homebuyers-need-to-know-about-hoas/): Homeowners associations, known as HOAs, are member organizations that maintain the appearance of common areas and enforce rules. - [The Housing Market Begins to Thaw as More Homes Go Under Contract](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-set-to-increase-as-housing-market-begins-to-thaw/): Buyers snapped up more homes in March as the housing market began to thaw. - [Are Your Property Taxes Too High? How to Save | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/are-your-property-taxes-too-high-how-homeowners-may-be-able-to-save-$539-a-year/): Savvy homeowners may be able to have their property tax bills reduced. - [Homeownership After Divorce or Breakup | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/what-happens-to-a-shared-home-after-a-divorce-or-breakup-heres-what-to-know-whether-youre-married-or-not/): This is what homeowners need to know if they're going through a breakup or divorce. - [Top Spring 2025 Home Decor Trends | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/memphis-deco-dopamine-decor-and-pastels-all-the-best-new-spring-2025-decor-trends/): The sunny spring season is all about fresh colors and new textures with a healthy dose of personality. - [How Much Does It Cost to Sell a Home? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/thinking-of-listing-your-property-how-much-it-costs-to-sell-a-home/): Expenses to sell a home include everything from real estate agent commissions to home preparation and staging costs, to administrative fees. Understanding the c - [The 10 Cheapest States to Buy a Home Right Now](https://www.newamericanfunding.com/learning-center/housing-news/the-10-cheapest-states-to-buy-a-home-right-now/): These are the 10 states with the lowest median home prices. - [What's Going on with Mortgage Rates? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/whats-going-on-with-mortgage-rates-what-homebuyers-and-homeowners-need-to-know/): Mortgage rates have been rising and falling recently for many reasons, including being impacted by the volatility in the bond market. - [Homestead Tax Exemption Savings | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/calling-all-homeowners-how-a-homestead-tax-exemption-may-save-you-money/): A homestead tax exemption could potentially save you hundreds, or even thousands, of dollars each year on your property taxes. - [Can Homebuyers Save Money by Buying Mortgage Points?](https://www.newamericanfunding.com/learning-center/videos/can-homebuyers-save-money-by-buying-mortgage-points/): Homebuyers hoping to save money may want to consider buying mortgage points. Find out how points affect rates and if they may be right for your needs. - [Homebuyers Seeking Deals Snap Up New Homes](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-seeking-deals-snap-up-new-homes/): Given that the prices for existing homes continue to rise, homebuyers are shifting their attention to new homes—which are hitting the market with lower prices. - [10 Affordable Curb Appeal Tips for Home Sellers | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/10-cheap-ways-home-sellers-can-boost-their-curb-appeal/): Your home's curb appeal—or lack thereof—also has a powerful impact on would-be buyers. - [Welcome Home: 7 Affordable Housewarming Gift Ideas](https://www.newamericanfunding.com/learning-center/homeowners/welcome-home-7-affordable-housewarming-gift-ideas/): Affordable housewarming gifts celebrate your loved one’s new space without overspending. See our best ideas for movers of all ages and stages. - [ What Buyers & Sellers Need to Know This Spring | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/a-tale-of-two-markets-what-buyers-and-sellers-need-to-know-this-spring/): Whether you’re buying or selling this season, success may come down to reading your local market—and adjusting your strategy accordingly. - [Top Destinations: These 10 Cities Gained the Most New Residents](https://www.newamericanfunding.com/learning-center/housing-news/top-destinations-these-10-cities-gained-the-most-new-residents/): Why did this metropolitan area see its population boom? - [Discounted Mortgages as an Employee Benefit | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/some-companies-are-offering-discounted-mortgages-as-an-employee-perk-heres-what-to-know/): As employers seek new perks to attract and retain workers, some companies are now partnering with mortgage lenders to offer employees discounts on home loans. - [How to Save on Home Renovations Amid Tariffs | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/renovating-in-the-age-of-tariffs-how-homeowners-can-save-money-now/): Prices may be rising, that doesn’t mean savings are off the table. - [Property Taxes Are Rising Nationwide | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homeowners-its-not-just-you-property-taxes-are-on-the-rise-nationwide/): Did your property taxes go up in 2024? If so, you’re hardly alone. - [How to Boost Your Credit Score](https://www.newamericanfunding.com/learning-center/videos/how-to-boost-your-credit-score/): If you’re hoping to qualify for a mortgage, having a high credit score can pay off. Find out ways you may be able to boost your credit score. - [Existing vs. New Construction Homes | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/existing-homes-vs-new-home-construction-which-option-is-right-for-you/): Shopping for a home is so much more than location and square footage. Buyers must also choose between existing homes and new construction. - [Can You Afford a Vacation Home? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/can-you-really-afford-a-vacation-home-heres-how-to-find-out/): Whether you dream of a lakeside retreat, a mountain cabin, or a beachfront escape, understanding whether you can afford a second home requires a deep dive. - [Is the Mortgage Lock-In Effect Easing? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/is-the-mortgage-lock-in-effect-finally-loosening-its-grip-on-the-housing-market/): The so-called low mortgage rate “golden handcuffs” may be loosening. That’s because the reality of today’s rates has started to sink in. - [20 Happiest Cities in America | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/these-are-the-20-happiest-cities-in-america-do-you-live-in-one/): Half of the top 10 happiest cities in America were in this surprising state. - [Housing Market Opportunity Knocks as Mortgage Rates Continue Trending Down](https://www.newamericanfunding.com/learning-center/housing-news/housing-market-opportunity-knocks-as-mortgage-rates-continue-trending-down/): If homeowners and potential homebuyers are looking for some good news these days, it can be found in the form of mortgage rates. - [Home Office Tax Deductions for Gig Workers | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/home-office-tax-write-offs-what-self-employed-and-gig-workers-need-to-know/): Learn how self-employed and gig workers can claim home office tax deductions, calculate eligible expenses, and understand IRS requirements. - [How to Navigate a Buyer’s Market](https://www.newamericanfunding.com/learning-center/videos/how-to-navigate-a-buyers-market/): Buyers may be able to negotiate more with sellers in a buyer’s market. Find out what you may be able to ask for and other ways to navigate the market. - [Home Renovations That Bring the Most Joy | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homeowners-get-the-most-joy-from-these-renovations-can-you-guess-the-top-project/): When it comes to home remodeling projects, some bring homeowners the most joy—while others give them the highest returns on their investments. - [Know Your Fair Housing Rights | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/know-your-fair-housing-rightsand-what-to-do-if-you-think-theyve-been-violated/): If you suspect you may have been a victim of housing discrimination, it’s important to know what the Fair Housing Act covers and doesn’t cover. - [What Is a Lowball Offer on a Home? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-lowball-offer-on-a-home-the-pros-cons-pitfalls-and-how-to-do-it-right2/): In today’s housing market, where home prices sometimes seem stubbornly out of reach, some buyers are taking a different approach: Making lowball offers.   - [All-Cash Offers: How Buyers Can Compete | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/all-cash-offers-how-homebuyers-can-stay-competitive-with-investors/): How can homebuyers compete with investors? Making a cash offer may level the playing field. - [Mortgage Rates Tumble to Lowest Level of the Year](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-tumble-to-lowest-level-of-the-year/): Mortgage interest rates fell to the lowest level of 2025, giving homebuyers a bit of a financial break in the spring housing market. - [Top 20 Home Features That Help a Home Sell for Over the Asking Price](https://www.newamericanfunding.com/learning-center/housing-news/top-20-home-features-that-help-a-home-sell-for-over-the-asking-price/): Sellers who want to fetch top dollar for their properties may want to incorporate nature-inspired design into their homes. These are the top 20 home features. - [5 Budget-Friendly Lawn Care Tips for Homeowners | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/5-ways-homeowners-can-make-their-lawns-look-great-on-a-budget/): A well-maintained yard can completely transform a home’s appearance—and you don’t have to spend a fortune on it. With a few strategic upgrades, you can make you - [Gen Z are Buying the Most Homes in These 10 Cities](https://www.newamericanfunding.com/learning-center/housing-news/gen-z-are-buying-the-most-homes-in-these-10-cities/): Members of Generation Z are buying the most homes in these 10 metropolitan areas. - [What Spring Homebuyers Need to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/hoping-to-purchase-a-home-this-spring-what-homebuyers-need-to-know/): If you’re hoping to buy a home, you’ll need a mix of strategy, patience, and a willingness to act fast. Let’s break down what buyers should keep in mind. - [What is a Reverse Mortgage?](https://www.newamericanfunding.com/learning-center/videos/what-is-a-reverse-mortgage/): Homeowners that are 62 years or older may be able to tap into their home equity with a reverse mortgage. Find out how it works and if it might be right for you. - [Millennials Buy Fewer Homes, While Baby Boomers Purchase More Properties](https://www.newamericanfunding.com/learning-center/housing-news/millennials-buy-fewer-homes-while-baby-boomers-purchase-more-properties/): Stymied by high costs, fewer millennials purchased homes last year. Baby boomers filled the gap. - [Down Payment Assistance for Conventional Loans | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/bridge-the-gap-how-homebuyers-can-use-down-payment-assistance-on-conventional-loans/): Homebuyers using Conventional loans may be able to use down payment assistance to help them to afford a home. - [How to Financially Prepare for Buying a Home in 2025](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-financially-prepare-for-buying-a-home-in-2025/): Learn how to financially prepare for buying a home in 2025 with tips on budgeting, credit scores, down payment assistance, and mortgage preapproval. - [Best Week to Sell Your Home in 2025 | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/planning-to-sell-your-home-this-is-the-best-week-of-the-year-to-list-in-2025/): If you’re planning to sell your house, you’re likely to get the highest price and swiftest sale if you list on this week. - [Black Homeownership Rate Increases, But Homeownership Gap Persists](https://www.newamericanfunding.com/learning-center/housing-news/black-homeownership-rate-increases-but-homeownership-gap-persists/): Despite the affordability challenges homebuyer face in today’s real estate market, more Black Americans are becoming homeowners. - [Mortgage Rates Dip as Homebuyers Enter Market | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-tick-down-as-homebuyers-head-into-the-market/): Homebuyers are seeing an ever-so-slight relief, as mortgage interest rates declined a little in the last week back down to where they were two weeks ago. - [How a Vision Board Can Help You Buy a Home | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/see-it-believe-it-own-it-how-a-vision-board-can-help-you-buy-a-home/): Manifest your dream home with a vision board! - [Why Homebuyers Need an Appraisal](https://www.newamericanfunding.com/learning-center/videos/why-homebuyers-need-an-appraisal/): An appraiser will make sure the home you hope to purchase is priced fairly. Find out how an appraisal works and why homebuyers need one. - [Seasonal Home Maintenance Tips Year-Round | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/seasonal-home-maintenance-protecting-your-biggest-investment-year-round/): Each season brings its own home maintenance tasks. Find out which ones you should be doing over the year to protect and take care of your home. - [New Home Sales Rise as Prices Fall](https://www.newamericanfunding.com/learning-center/housing-news/new-home-sales-rise-as-prices-fall/): More newly built homes hit the market, resulting in higher sales and lower prices for new construction. - [USDA Loan Appraisals: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/planning-to-use-a-0-down-usda-loan-what-to-know-about-usda-appraisals/): Homebuyers using a USDA loan must undergo a USDA appraisal. Here's what that entails. - [Hispanic Homeownership Hits Record Highs | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/hispanic-homeownership-hits-record-numbers-despite-affordability-challenges/): Even with affordability challenges in the housing market, the number of Hispanic homeowners hit a record high in 2024, according to a recent report. - [Selling Your Home in Spring 2025: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/should-you-sell-your-home-this-spring-what-every-seller-needs-to-know-in-2025/): If you are planning to sell your home this Spring, there are things you should consider. Find out what you need to know about the 2025 housing market. - [Who's Who in the Homebuying Process? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/whos-who-in-buying-a-home-meet-the-team-that-makes-it-happen/): Meet the key professionals involved in buying a home, from real estate agents and loan officers to home inspectors, appraisers, and insurance providers. - [More Buyers Snapped Up Existing Homes in February](https://www.newamericanfunding.com/learning-center/housing-news/more-buyers-snapped-up-existing-homes-in-february/): In an encouraging start to the spring housing market, more buyers are snapping up existing homes. - [If Walls Could Talk: What Your Home Says About You](https://www.newamericanfunding.com/learning-center/housing-news/if-walls-could-talk-what-your-home-says-about-you/): Your home's aesthetic—from millennial gray to mid-century modern—reveals your personality and values. - [Mortgage Forbearance After Natural Disasters | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/mortgage-forbearance-a-lifeline-for-natural-disaster-stricken-homeowners2/): Homeowners whose properties have been damaged or destroyed by natural disasters may be eligible for mortgage forbearance. Find out how forbearance can help you. - [Buying a Home in Spring: Pros and Cons | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/is-spring-the-best-time-to-buy-a-home-weighing-the-pros-and-cons/): Is spring the best time to buy a home? Explore the pros and cons of spring homebuying, from more listings and competition to rising prices and mortgage rates. - [The Fight for Fairness: When Women Were Denied Mortgages](https://www.newamericanfunding.com/learning-center/housing-news/the-fight-for-fairness-when-women-were-denied-mortgages/): In the not-so-distant past, it was nearly impossible for many women to get credit cards, auto loans, and mortgages in their own names. This is what changed. - [Home Staging Tips to Attract Buyers and Offers | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/home-staging-the-secret-weapon-in-attracting-more-buyers-and-higher-offers/): Are you ready to sell your home? If you’re among the growing wave of sellers entering the market, you may want to consider staging your property. - [Mortgage Rates Hold Steady as Housing Heats Up | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-barely-budge-as-the-housing-market-heats-up/): Mortgage interest rates barely budged this week as the housing market enters into the historically busy spring homebuying season. - [20 Most Affordable Places to Buy a Home | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/trying-to-save-money-the-20-most-affordable-places-to-buy-a-home/): These were the most affordable places to buy a home in early 2025. - [Can You Afford a Mortgage Payment?](https://www.newamericanfunding.com/learning-center/videos/can-you-afford-a-mortgage-payment/): It’s important to make sure you can afford a home, before purchasing one. Learn what to consider as you review your budget while planning to buy a home. - [States With Highest and Lowest Property Taxes | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/these-are-the-states-with-the-lowest-and-highest-property-taxes/): There are quite a few pieces to the financial puzzle when you’re buying a home. One that often gets overlooked is property taxes. - [Home Loans for Lower-Income Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/home-loans-for-lower-income-buyers-what-you-should-know/): Explore home loan programs for lower-income buyers, including low down payment mortgages, grants, and assistance to help make homeownership more affordable. - [Pandemic-Era Remodels Sell for Top Dollar | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/how-about-a-new-old-home-pandemic-era-remodels-are-selling-for-top-dollar/): The pandemic and mortgage rates falling to record lows led to an explosion in renovations. Now, those renovated homes are hitting the market for a premium. - [What Homeowners Should Know Before Filing Taxes | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/what-homeowners-need-to-know-before-filing-their-taxes/): If you own a home, your tax return may be a little complicated. Find out how homeownership may lower your tax rate. - [Housing Market Heats Up as Mortgage Rates Fall | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/housing-market-continues-to-heat-up-as-mortgage-rates-keep-falling/): With Spring just around the corner, the housing market appears to be gathering steam. Mortgage rates continued falling in the last week. - [How to Buy a Condo with an FHA Loan | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/condo-conundrum-your-guide-on-how-to-purchase-a-condo-with-an-fha-loan/): Getting an FHA loan for a condo can be tricky. Here's what buyers need to know. - [10 Iconic American Home Styles Explained | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/a-journey-through-americas-architecture-10-iconic-home-styles-explained/): Here’s a look at 10 of the most popular architectural styles across the nation and how to identify them. - [5 Feng Shui Tips for Balance and Prosperity | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/feng-shui-5-easy-ways-to-create-balance-and-prosperity-in-your-home/): Discover five simple Feng Shui tips to create balance, invite prosperity, and optimize energy flow in your home. - [5 Creative Ways to Make Money From Your Home | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/hacking-your-home-5-creative-ways-to-make-money-off-your-place/): From splitting your space with a roommate to renting out your garage learn the numerous ways to hack your home to make some extra cash. - [Maximize Home Equity With a Cash-Out Refinance | New American Funding](https://www.newamericanfunding.com/learning-center/videos/maximize-your-home-equity-consider-a-cash-out-refinance/): Homeowners facing large expenses or who have debt may want to consider a cash-out refinance. Find out how a cash-out refi works and if it may be right for you. - [From Homesteaders to Modern Homeowners: The Rise of Single Women](https://www.newamericanfunding.com/learning-center/housing-news/from-homesteaders-to-modern-homeowners-the-rise-of-single-women/): In the late 1800s, a homesteading act allowed single women to receive 160 acres of federal land. This gave intrepid women the opportunity to strike out on their - [Where Homebuyers Are Heading: The 20 Hottest Housing Markets of Early 2025](https://www.newamericanfunding.com/learning-center/housing-news/where-homebuyers-are-heading-the-20-hottest-housing-markets-of-early-2025/): In January 2025, the hottest housing markets in the nation were in the Northeast and Midwest, where demand is high and homes are selling fast, according to a Re - [Spring Housing Market Starts With Lower Rates | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/spring-housing-market-kicks-off-with-lower-mortgage-rates/): The spring housing market is kicking off with lower mortgage rates, much to the delight of homebuyers. - [Should You Sell Your Home? 6 Reasons to List](https://www.newamericanfunding.com/learning-center/homeowners/should-you-sell-your-home-6-reasons-to-list/): There are many reasons why people sell their home including needing more or less space and affordability. Find out 6 reasons to list your home for sale. - [4 Dos and Don'ts of Making a Home Offer | New American Funding](https://www.newamericanfunding.com/learning-center/videos/the-4-dos-and-donts-for-submitting-an-offer-on-a-home/): If you plan to put in an offer on a home, there are certain things you should do, and other things that you shouldn’t. Find out best practice for your offer. - [Quitclaim Deeds: Easy to Use, But Beware the Risks](https://www.newamericanfunding.com/learning-center/homeowners/quitclaim-deeds-easy-to-use-but-beware-the-risks/): Quitclaim deeds are used in private sales, such as when a home is passed to family members. Find out how quitclaim deeds work and what you should consider first - [Why Consider an FHA Cash-Out Refinance? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/need-cash-why-homeowners-may-want-to-consider-an-fha-cash-out-refinance-loan/): Find out how you can tap into your home equity. If you have an FHA loan, you maybe eligible for an FHA cash-out refinance. - [How to Buy a Home With a Reverse Mortgage | New American Funding](https://www.newamericanfunding.com/learning-center/videos/you-can-buy-a-home-with-a-reverse-mortgage-heres-how-to-do-it/): Many older homeowners may not realize they may be able to purchase a new home using a reverse mortgage. Find out if this might be the right choice for you. - [VA Loans: 100% Financing for Veterans | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-va-loan-advantage-100-financing-for-veterans-buying-homes/): VA loans offer veterans and active-duty service members 100% financing, no PMI, and lower interest rates, making homeownership more accessible and affordable. - [Fixed-Rate vs. Adjustable-Rate Mortgages | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fixed-rate-or-adjustable-rate-mortgages-which-home-loan-is-right-for-you/): The two main types of mortgages are fixed-rate loans and adjustable-rate loans. These are the differences between the two. - [How Racial Covenants Still Affect Homeownership | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/hidden-in-plain-sight-the-lingering-shadow-of-racial-covenants-on-american-homeownership/): Racial covenants may be unenforceable, but their impact still lingers—shaping homeownership rates, wealth gaps, and community landscapes across the U.S. - [What are Closing Costs?](https://www.newamericanfunding.com/learning-center/videos/what-are-closing-costs/): Closing costs are generally 2% to 6% of your mortgage amount. Find out what closing costs are, what they include, and how to play for them. - [Property Taxes: What Homeowners Need to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/navigating-property-taxes-what-homeowners-need-to-know/): There are many variables that factor into how much your property taxes are including location. Find out how to navigate the property taxes on your home. - [Cash-Out Refinance for Real Estate Investing | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/hope-to-become-a-real-estate-investor-how-homeowners-can-use-a-cash-out-refinance-to-do-it/): Find out how cash-out refinances can help homeowners fund the purchase of investment properties that can bring in passive income. - [Buying an Expensive Home? Consider a Jumbo Loan | New American Funding](https://www.newamericanfunding.com/learning-center/videos/buying-an-expensive-home-you-may-need-a-jumbo-mortgage2/): If you’re hoping to buy an expensive home, you may want to consider using a jumbo mortgage. Find out how they work and if you might need one for your home. - [Why Buying a Home with Cash Gives You an Edge | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/why-buying-a-home-with-all-cash-this-spring-could-buyers-an-edge/): Making an all-cash offer on a home is a power move that could put you ahead of the pack. - [Why More Unmarried Couples Are Buying Homes | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/big-day-or-buy-a-home-why-more-unmarried-couples-are-becoming-homeowners/): Facing high housing and living costs, many unmarried couples are pooling their savings and buying homes together before tying the knot. - [3 Ways to Love Your Home Again | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/fall-back-in-love-with-your-home-this-valentines-day-3-ways-to-rekindle-the-spark/): This Valentine’s Day, it’s time to rekindle the spark—with your home. Here are three ways to do so. - [More Home Price Cuts Ahead of Spring | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-take-note-more-price-cuts-and-discounts-heading-into-the-spring-market/): The number of home sellers cutting prices hit a two-year high in January, according to the latest monthly housing report from Zillow.com. - [5 Profesionales para Comprar una Casa | New American Funding](https://www.newamericanfunding.com/learning-center/videos/los-cinco-profesionales-que-necesitas-para-comprar-una-casa/): Comprar una casa es un proceso importante, y contar con los profesionales adecuados marca la diferencia. - [Mortgage Rates Hit 2025 Lows | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-fall-to-lowest-levels-in-2025/): Stubbornly high mortgage interest rates ticked down to their lowest levels of the year—just in time for the Spring homebuying season. - [5 Tips to Get Approved for an FHA Loan | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/applying-for-an-fha-loan-here-are-5-ways-to-help-you-get-approved/): Government-backed Federal Housing Administration (FHA) loans were created to help people who might not be approved for other types of mortgages buy a home. - [3 Reasons New Homes May Be More Affordable | New American Funding](https://www.newamericanfunding.com/learning-center/videos/3-reasons-why-new-homes-may-be-affordable-than-you-think/): Many buyers may think they can’t afford to purchase a new home, not realizing they may be passing up potential savings. Find out how affordable new homes may be - [FHA Home Renovation Loans: A Buyer's Guide | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/fha-loans-for-home-renovations-a-guide-for-homebuyers/): Discover how FHA 203(k) renovation loans can help you finance both the purchase and transformation of a fixer-upper into your ideal home—combining affordability - [Préstamos Hipotecarios para Dueños de Negocios | New American Funding](https://www.newamericanfunding.com/learning-center/videos/lo-que-los-duenos-de-negocios-deben-saber-antes-de-solicitar-un-prestamo-para-comprar-casa/): Es normal sentir cierta preocupación, especialmente cuando los ingresos no provienen de un empleador tradicional. - [Cash-Out Refinance vs. Personal Loan | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/homeowners-in-need-of-cash-choosing-between-a-cash-out-refinance-or-a-personal-loan2/): Homeowners who need a lot of cash may want to consider a cash-out refinance over a personal loan. Learn which one might be right for you. - [How Cash Helps Homebuyers Win Bidding Wars | New American Funding](https://www.newamericanfunding.com/learning-center/videos/the-power-of-cash-how-to-save-money-and-win-bidding-wars/): If you’re buying a home, you may want to consider making a cash offer. Find out how a cash offer may be able to save you money and win bidding wars. - [Historic Home Equity: A Boon for Homeowners](https://www.newamericanfunding.com/learning-center/housing-news/historic-home-equity-a-boon-for-homeowners/): Homeowners have historically high amounts of equity in their properties. - [Rent vs. Buy: Where Homeowners Save Most | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/rent-vs-buy-homeowners-will-save-the-most-money-in-these-places/): Owning a home is still cheaper than renting a three-bedroom apartment in more than half of the nation. - [Monthly Mortgage Payment Breakdown | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/whats-really-in-your-monthly-mortgage-payment-breaking-down-the-costs/): Confused by your mortgage payment? Learn how principal, interest, escrow, and other costs come together to make homeownership a smart, long-term investment. - [USDA Loans: 100% Home Financing | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/dont-have-a-down-payment-get-100-financing-on-a-home-with-a-usda-loan/): Discover how USDA loans make homeownership accessible with 0% down, competitive rates, and options for rural and suburban buyers. - [4 Ways to Save on Your Big Move](https://www.newamericanfunding.com/learning-center/videos/4-ways-to-save-on-a-move/): Moving to a new place can be stressful. Find out four ways you can save money when you move. - [Which of These 6 Home Types Is Right for You? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/which-of-these-6-home-types-is-right-for-you-choosing-the-right-property-for-your-needs/): From single-family homes to condos and tiny homes, here are the things homebuyers should consider when choosing a home to fit their needs. - [3 Cosas que Buscan los Prestamistas | New American Funding](https://www.newamericanfunding.com/learning-center/videos/las-3-cosas-que-los-prestamistas-quieren-ver-al-comprar-una-casa/): Entender qué evalúan los prestamistas te ayudará a prepararte para una aprobación hipotecaria sin problemas. - [What Is Title Insurance and Why Do You Need It? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-title-insurance-and-how-can-it-save-you-money-in-the-long-run/): If you’ve ever bought a home before, you’ve probably dealt with title insurance. But what exactly is title insurance and why is it important? - [Why Debt-to-Income Ratio Matters When Buying | New American Funding](https://www.newamericanfunding.com/learning-center/videos/buying-a-home-pay-attention-to-your-debt-to-income-ratio/): One of the most important things that your loan officer will look at is your debt-to-income ratio (DTI). Find out how DTI works and what you can do to manage it - [Barriers to Black Homeownership | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/barriers-to-homeownership-why-black-homeownership-rates-remain-low/): Less than half of Black Americans are homeowners. Find out more about the barriers they face like discrimination in lending, the wealth gap, and racial bias. - [Chicago First-Time Homebuyer Guide](https://www.newamericanfunding.com/learning-center/guides/chicago-first-time-homebuyer-guide/): Learn about buying a home in Chicago as a first-time homebuyer. Find out what programs and loans might be available to help you make your dream of homeowners - [Boston First-Time Homebuyer Guide](https://www.newamericanfunding.com/learning-center/guides/boston-first-time-homebuyer-guide/): Learn about buying a home in Boston as a first-time homebuyer. Find out what programs and loans might be available to help you make your dream of homeowners - [Austin, Texas First-Time Homebuyer Guide](https://www.newamericanfunding.com/learning-center/guides/austin-texas-first-time-homebuyer-guide/): Learn about buying a home in Austin as a first-time homebuyer. Find out programs and loans that could help you make your dream of homeownership a reality. - [Dallas First-Time Homebuyer Guide](https://www.newamericanfunding.com/learning-center/guides/dallas-first-time-homebuyer-guide/): Learn about buying a home in Dallas as a first-time homebuyer. Find out programs and loans that could help you make your dream of homeownership a reality. - [San Antonio, Texas First-Time Homebuyer Guide](https://www.newamericanfunding.com/learning-center/guides/san-antonio-texas-first-time-homebuyer-guide/): Learn about buying a home in San Antonio as a first-time homebuyer. Find out programs and loans that could help you make your dream of homeownership a reality. - [Los Angeles First-Time Homebuyer Guide](https://www.newamericanfunding.com/learning-center/guides/los-angeles-first-time-homebuyer-guide/): Learn about being a first-time homebuyer in Los Angeles. Find out what programs and loans may help you make your dream of homeownership a reality. - [Houston First-Time Homebuyer Guide](https://www.newamericanfunding.com/learning-center/guides/houston-first-time-homebuyer-guide/): Learn about buying a home in Houston as a first-time homebuyer. Find out programs and loans that could help you make your dream of homeownership a reality. - [San Diego First-Time Homebuyer Guide](https://www.newamericanfunding.com/learning-center/guides/san-diego-first-time-homebuyer-guide/): Learn about being a first-time homebuyer in San Diego. Find out what programs and loans may help you make your dream of homeownership a reality. - [Orlando, Florida First-Time Homebuyer Guide](https://www.newamericanfunding.com/learning-center/guides/orlando-florida-first-time-homebuyer-guide/): Learn about buying a home in Orlando as a first-time homebuyer. Find out what programs and loans might be available to help you make your dream of homeowners - [¿Comprando Casa? Qué No Hacer.](https://www.newamericanfunding.com/learning-center/videos/comprando-casa-que-no-hacer/): Durante el proceso de compra, hay ciertas acciones que podrían perjudicar tu aprobación de préstamo y poner en riesgo la compra de su hogar. - [Mortgage Pre-Qualification for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/thinking-of-buying-a-home-you-may-want-to-start-with-a-mortgage-pre-qualification/): A mortgage pre-qualification can be an important first in the homebuying process. - [Cash-Out Refinance Myths Debunked | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/myth-busting-cash-out-refinances-what-homeowners-get-wrong/): Debunk common myths about cash-out refinances and discover how this powerful financial tool can help homeowners. Find out if a cash-out refi may help you. - [Figuring Out How Much Home You Can Afford](https://www.newamericanfunding.com/learning-center/videos/figuring-out-how-much-home-you-can-afford/): When you begin your homebuying journey, it’s important to figure out just how much home you can afford. Find out what factors into home affordability. - [Fed Holds Rates: What It Means for Housing | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-federal-reserve-kept-interest-rates-steady-what-does-that-mean-for-housing/): The Federal Reserve didn't lower or raise interest rates. What does that mean for mortgage rates? - [6 Trendy Kitchen Updates for 2025 | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-kitchen-makeover-you-didnt-know-you-needed-6-trendy-updates-for-2025/): Discover six kitchen remodeling trends for 2025, from traditional styles and quartz countertops to kitchen islands, smart storage, and lighting upgrades. - [2025 Housing Market Tips for Buyers and Sellers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/navigating-a-shifting-market-what-buyers-and-sellers-need-to-know-in-early-2025/): Explore key insights for navigating the unpredictable real estate market in early 2025. - [Loan-to-Value Ratios Explained](https://www.newamericanfunding.com/learning-center/videos/loan-to-value-ratios-explained/): Lenders generally prefer lower loan-to-value ratios. Find out how this ratio works, how it may affect your mortgage, and what you can do to change it. - [The 5 States Attracting the Most New Residents—And the 5 States People Are Leaving](https://www.newamericanfunding.com/learning-center/housing-news/the-5-states-attracting-the-most-new-residentsand-the-5-states-people-are-leaving/): More Americans are moving to Texas and other more affordable states in the South and leaving more expensive states like California. - [Existing Home Sales Fell in 2024, But More Buyers Are Returning to the Market](https://www.newamericanfunding.com/learning-center/housing-news/existing-home-sales-fell-in-2024-but-more-buyers-are-returning-to-the-market/): Buyers purchased few existing homes in 2024. However, the housing market is beginning to perk back up.   - [5 Red Flags You're Ignoring When Buying a Home](https://www.newamericanfunding.com/learning-center/homebuyers/5-red-flags-youre-ignoring-when-buying-a-home/): Don't overlook these 5 red flags when buying a home, from hidden maintenance issues to difficult sellers, as they could lead to costly regrets down the road. - [Housing Market Outlook for 2025](https://www.newamericanfunding.com/learning-center/videos/housing-market-outlook-for-2025/): Kick off 2025 with insights on high interest rates, inflation concerns, and market trends—connect with a loan officer today to secure your home financing! - [Homebuyers Rejoice: Mortgage Rates Fall Below 7%](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-rejoice-mortgage-rates-fall-below-7/): After a brief surge, mortgage rates are back below 7%. - [FHA Loan Myths Debunked | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fha-myths-debunked-what-every-homebuyer-should-know-about-these-popular-mortgages/): Debunk common FHA loan myths and discover how these flexible mortgages can help more buyers achieve homeownership. - [The Real Cost of Overpricing Your Home | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/sitting-not-selling-the-real-cost-of-overpricing-your-home/): Overpricing your home can lead to it sitting unsold for longer, costing time and money. Find out what happens when you overprice your home and how to avoid it. - [Puerto Rico First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/puerto-rico-first-time-homebuyer-guide/): This is a step-by-step guide on how to buy a home in Puerto Rico. - [Home Equity Loan vs. Mortgage Refinance | New American Funding](https://www.newamericanfunding.com/learning-center/videos/home-equity-loan-or-mortgage-refinance-what-homeowners-should-consider/): Homeowners who want a new loan can compare home equity loans and mortgage refinancing. Find out the differences and learn which one might be right for you. - [How Civil Rights Leaders Advanced Fair Housing | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/the-long-road-to-fair-housing-how-civil-rights-leaders-paved-the-way/): The Fair Housing Act made it illegal refuse to rent, sell, or finance home purchases based on someone’s race, color, national origin, and religion. - [Washington, D.C. First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/washington-dc-first-time-homebuyer-guide/): This is how first-time homebuyers can purchase a home in Washington, D.C. - [Top Home Maintenance Tasks for Cooler Weather | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/the-top-maintenance-tasks-homeowners-should-do-as-the-weather-cools/): Many homeowners know, that winter doesn’t mean you get a break from important maintenance tasks. Find out the top tasks you should do for winter. - [5 Essential Professionals for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/videos/the-5-professionals-homebuyers-want-on-their-real-estate-team/): In today’s competitive real estate market, it often takes a team to help homebuyers be successful. Find out the four professionals you want on your team. - [The American Dream is Alive: Younger Americans Want to Become Homeowners for This Big Reason](https://www.newamericanfunding.com/learning-center/housing-news/the-american-dream-is-alive-younger-americans-want-to-become-homeowners-for-this-big-reason/): Homeownership is a goal that nearly two-thirds of Americans hope to achieve. - [Here are the Best States to Raise a Family in 2025](https://www.newamericanfunding.com/learning-center/housing-news/here-are-the-best-states-to-raise-a-family-in-2025/): Where you choose to put down roots can significantly impact your family’s well-being, happiness, and quality of life. - [How Paying Off Your Mortgage Early Saves Money | New American Funding](https://www.newamericanfunding.com/learning-center/videos/hoping-to-save-money-consider-paying-your-mortgage-off-early/): Making extra mortgage payments may save you money over the life of your loan. Find out what your options are and how you may be able to save money on your loan. - [Documents Needed to Apply for a Mortgage | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/applying-for-a-mortgage-the-crucial-documents-homebuyers-will-need/): If you're applying for a mortgage, it may be a good idea to keep these documents handy. - [Is it More Affordable to Build a Home or Buy a New One?](https://www.newamericanfunding.com/learning-center/homebuyers/is-it-more-affordable-to-build-a-home-or-buy-a-new-one/): Many budget-conscious homebuyers may be wondering if it’s more affordable to buy an existing home—or build a new home. - [The 10 Best Housing Markets for First-Time Buyers in 2025](https://www.newamericanfunding.com/learning-center/housing-news/the-10-best-housing-markets-for-first-time-buyers-in-2025/): Harrisburg, Penn. was named the best housing market for first-time homebuyers in 2025. - [4 Things to Avoid When Applying for a Mortgage | New American Funding](https://www.newamericanfunding.com/learning-center/videos/the-4-things-homebuyers-shouldnt-do-when-applying-for-a-mortgage/): There are several things you shouldn't do when you're applying for a mortgage. Find out what they are and why they matter for your home loan approval. - [FHA 203(h) Loans to Rebuild After a Disaster | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/rebuilding-your-home-after-a-natural-disaster-an-fha-203h-loan-can-help/): FHA 203(h) loans may allow borrowers in presidentially declared major disaster areas to rebuild damaged homes or purchase a new home with no money down. - [Refinancing Your Mortgage: Step-by-Step Guide | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/refinancing-your-mortgage-a-homeowners-step-by-step-guide-to-refinancing-your-loan/): Step-by-Step Guide to Mortgage Refinancing: Fine out how you can save money, access equity, and streamline your loan. - [4 Tips for First-Time Homebuyers](https://www.newamericanfunding.com/learning-center/videos/4-tips-for-first-time-homebuyers/): There is a lot to consider when you’re trying to buy your first home. Find out what steps you can take to learn how to buy the home that’s right for you. - [5 Homebuying Tips for 2025 | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/5-tips-every-buyer-needs-to-know-before-purchasing-a-home-in-2025/): Discover the top 5 tips every homebuyer needs to know to navigate the 2025 housing market. - [Everything You Need to Know About Home Equity Loans](https://www.newamericanfunding.com/learning-center/homeowners/everything-you-need-to-know-about-home-equity-loans/): Homeowners in need of extra cash may be able to tap into the value of their properties through a home equity loan. - [2025 Color Trend: Mocha Mousse Replaces Grey | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/goodbye-grey-hello-mocha-mousse-2025s-polarizing-color-trend/): Mocha Mousse: The rich, warming brown hue of 2025 that has homeowners divided—luxurious, grounding, and perfect for creating a cozy retreat. - [Is a Reverse Mortgage Right for You? Video | New American Funding](https://www.newamericanfunding.com/learning-center/videos/is-a-reverse-mortgage-right-for-you/): Homeowners who are 62 or older may want to consider a reverse mortgage. Find out how you may be able to use the equity in your home during your retirement. - [Affordable Alternatives to Single-Family Homes | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/looking-for-a-single-family-home-of-your-own-consider-these-more-affordable-alternatives/): If you’re struggling to afford a single-family home, you may want to look into purchasing a condo, a manufactured home, or even a multi-family home. - [5 Ways Homeowners Can Get Financially Fit | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/5-ways-homeowners-can-get-financially-fit-in-the-new-year/): Mortgage points, the one-time payment you made to a lender to reduce the interest rate on your loan, are also deductible. - [Buying a Home with a USDA Loan](https://www.newamericanfunding.com/learning-center/videos/buying-a-home-with-a-usda-loan/): Would you like to buy a home without a down payment? A USDA loan might be right for you. Find out how they work and whether or not you might be qualified. - [Capital Gains Taxes When Selling Your Home | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/selling-your-home-what-homeowners-should-understand-about-capital-gains-taxes/): Homeowners should understand the capital gains taxes they might have to pay upon selling their home. Learn how you may be able to avoid these when you sell. - [How Seller Credits Benefit Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/seller-credits-why-homebuyers-should-take-advantage-of-them/): Seller credits are financial assistance offered by home sellers to help buyers cover certain costs. Find out how they work and if they might be able to help you - [Mortgage Myths Every Homebuyer Should Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/mortgage-myths-debunked-what-every-homebuyer-should-know/): Debunk common mortgage myths and learn the truths that can save you time, money, and stress on your homebuying journey. - [What to Know Before Buying a Tiny Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/living-small-saving-big-what-to-consider-before-buying-a-tiny-home/): Buyers looking for a more affordable home may want to consider a tiny home. Find out the pros and cons of tiny homes and how you may be able to get one. - [Family, Friends, and Affordability: Why More Homebuyers are Heading South](https://www.newamericanfunding.com/learning-center/housing-news/family-friends-and-affordability-why-more-homebuyers-are-heading-south/): This is the top destination for homebuyers who are relocating to chase affordability and seek to be closer to family and friends. - [Mortgage Anxiety? Here’s How to Handle It](https://www.newamericanfunding.com/learning-center/videos/mortgage-anxiety-heres-how-to-handle-it/): Those who dream about purchasing a home shouldn’t let their fears stand in the way of applying for a mortgage. - [How Downsizing Can Change Your Life | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/downsizing-done-right-how-a-smaller-home-can-transform-your-life/): Downsizing means moving from a larger home into a smaller one that’s more manageable, often with fewer bedrooms, less land, and less square footage. - [How to Find the Right Real Estate Agent | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-know-youve-found-the-one--real-estate-agent-who-is-right-for-you/): Whether you’re a first-time homebuyer or a seasoned seller, finding the right real estate agent for you is key. Find out what you should consider in an agent. - [Homebuyers Continued to Snap Up Existing Homes, Boosting Sales](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-continued-to-snap-up-existing-homes-boosting-sales/): Homebuyers jumped back into the market in November, purchasing the most existing homes since March. - [Old Meets New: The Hottest 2025 Home Design Trends](https://www.newamericanfunding.com/learning-center/housing-news/old-meets-new-the-hottest-2025-home-design-trends/): In 2025, homeowners are blending advanced technology with vintage aesthetics. - [Mortgage Rate vs APR: What You Need to Know](https://www.newamericanfunding.com/learning-center/videos/mortgage-rate-vs-apr-what-you-need-to-know/): This is the difference between mortgage rates and the annual percentage rate (APR) on a home loan. Find out what they mean and how they affect homebuying. - [Fed Cuts Rates Again: Will Mortgage Rates Fall? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/are-mortgage-rates-finally-coming-down-the-fed-just-cut-rates-again/): The Fed cut interest rates in December, but mortgage rates are expected to make a more gradual descent. - [Holiday Home Hacks: Affordable Ways to Transform Your Space for the Season](https://www.newamericanfunding.com/learning-center/housing-news/holiday-home-hacks-affordable-ways-to-transform-your-space-for-the-season/): Transform your home into a festive haven with affordable holiday hacks that celebrate creativity, tradition, and sustainability. - [How to Declutter Your Home and Why it Matters](https://www.newamericanfunding.com/learning-center/housing-news/how-to-declutter-your-home-and-why-it-matters/): Every time I declutter my possessions, I feel lighter, more focused, and better aligned with my goals. I use my feelings, values, and goals to decide what goes - [Lower Your Mortgage Rate Now with a Buydown](https://www.newamericanfunding.com/learning-center/videos/lower-your-mortgage-rate-now-with-a-buydown/): With a mortgage rate buydown, you may be able to get a lower payment rate. Find out how buydowns work and how it may affect your mortgage payment. - [Is 2025 Your Year to Buy a Home? Check out the Top 10 Hottest Housing Markets Predicted for the New Year](https://www.newamericanfunding.com/learning-center/housing-news/is-2025-your-year-to-buy-a-home-check-out-the-top-10-hottest-housing-markets-predicted-for-the-new-year/): Buyers on a tight budget may want to consider McAllen, Texas. The city, which sits on the U.S.-Mexico border, is the most affordable market on the top 10 list. - [Inherited a Home? Here's What to Do Next](https://www.newamericanfunding.com/learning-center/homeowners/inherited-a-home-heres-what-to-do-next/): There are a lot of factors to consider when you inherit a home. Find out what you can expect around taxes, mortgage payments, and other potential costs. - [Advice for Homeowners After a Wildfire | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/after-the-disaster-advice-for-homeowners-after-a-wildfire/): Wildfires have become an increasing problem for homeowners across the country. That’s why it’s important to know what to do if you have been affected by one. - [How Debt & DTI Affect Home Affordability | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/from-debt-to-dti-the-real-life-costs-that-impact-home-affordability/): Homeownership costs go beyond the mortgage—budget for repairs, maintenance, and unexpected expenses. - [How to Figure Out How Much Home Can You Afford](https://www.newamericanfunding.com/learning-center/videos/how-to-figure-out-how-much-home-can-you-afford/): Figuring out how much home you can afford is a crucial step in your homebuying journey. Find out ways you can budget and save to know how much you can spend. - [What First-Time Homeowners Should Know | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/what-first-time-homeowners-need-to-know-about-their-property/): After you purchase your first home, it’s hard to know what to do first. Find out what first-time homeowners need to know about their new property. - [How to Manage Homebuying Stress | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/surviving-the-stress-of-homebuying-tips-to-keep-your-cool/): Navigate the emotional rollercoaster of homebuying with expert-backed strategies to stay grounded and manage stress. - [Reverse Mortgage Myths](https://www.newamericanfunding.com/learning-center/videos/reverse-mortgage-myths/): New American Funding's Lorraine Geraci busts myths around reverse mortgages. Find out what you need to know about this loan and if it may be right for you. - [What Is LTV When Buying a Home? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/all-about-ltv-the-acronym-you-need-to-know-when-buying-a-home/): Loan-to-value ratios, aka LTVs, are used by lenders to determine how large of a loan someone may receive. - [Buying a Home with Gift Funds | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-with-gift-funds-homeownership-made-possible-with-the-help-of-family/): More homebuyers are receiving gift funds from family members to help them afford homeownership. - [Power Moves: How Single Women are Outpacing Single Men in Homeownership](https://www.newamericanfunding.com/learning-center/housing-news/power-moves-how-single-women-are-outpacing-single-men-in-homeownership/): Discover how single women are dominating the homeownership market, outpacing single men and securing their independence despite income challenges. - [What Self-Employed Homebuyers Need to Know](https://www.newamericanfunding.com/learning-center/videos/what-self-employed-homebuyers-need-to-know/): Self-employed homebuyers may be able to qualify for a mortgage using non-traditional income verification. Find out what you need to know in order to buy a home. - [2025 Housing Market Predictions | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/housing-predictions-for-2025-what-to-anticipate-in-the-year-ahead/): Explore 2025 housing market predictions, including mortgage rate trends, home prices, housing inventory, and forecasts for home sales. - [Bargain Hunting for a Home? Here's the Best Day to Buy](https://www.newamericanfunding.com/learning-center/housing-news/bargain-hunting-for-a-home-heres-the-best-day-to-buy/): The holiday shopping season is nigh upon us. And while there may be good deals on blenders or TVs, did you know that you could get a good deal on a home too? - [What is a Homebuying Assessment?](https://www.newamericanfunding.com/learning-center/videos/what-is-a-homebuying-assessment/): New American Funding's Mosi Gatling discusses the importance of homebuyer assessments. Find out what a homebuyer assessment is and how it may help you. - [The 20 Most Affordable Places in America to Buy a Home](https://www.newamericanfunding.com/learning-center/housing-news/the-20-most-affordable-places-in-america-to-buy-a-home/): There are still relatively affordable housing markets if you know where to look. These are the 20 metropolitan areas with the lowest median list prices. - [Moving Home to Save for a Down Payment | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/staying-home-to-save-how-moving-back-with-parents-can-fast-track-a-down-payment/): Moving back in with family allows young adults to save on rent and daily expenses, accelerating their path to homeownership amid rising housing costs. - [What First-Time Homebuyers Should Compromise on – And When They Should Stay Firm](https://www.newamericanfunding.com/learning-center/videos/what-first-time-homebuyers-should-compromise-on--and-when-they-should-stay-firm/): As a first-time homebuyer, you may have the exact home you want in mind. Find out which things you to consider compromising on, and which things you shouldn't. - [Homeownership: A Reason to Be Thankful This Season](https://www.newamericanfunding.com/learning-center/homeowners/homeownership-a-reason-to-be-thankful-this-season/): Homeownership has long been a cornerstone of financial stability as it helps many people build wealth. Find out more reasons homeowners are thankful this season - [2025 Loan Limits for Homebuyers and Refinancing | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/if-youre-planning-to-buy-a-home-or-refinance-in-2025-here-are-the-new-loan-limits/): Given that home prices have continued to rise over the last year, it’s not surprising that the federal government would raise the loan limits on the most popula - [Three Things to Look for in a Real Estate Agent](https://www.newamericanfunding.com/learning-center/videos/three-things-to-look-for-in-a-real-estate-agent/): Many things go into finding the right real estate agent for your needs. Find out three key things to look for when you choose a real estate agent. - [5 Ways Owning a Home Can Help You Save on Your Taxes](https://www.newamericanfunding.com/learning-center/homeowners/5-ways-owning-a-home-can-help-you-save-on-your-taxes/): If you are self-employed and work from home, you may be able to deduct expenses related to your home office. - [Can You Buy a Home After Bankruptcy? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/can-you-purchase-a-home-after-bankruptcy-what-buyers-need-to-know/): It may be possible for homebuyers to eventually secure a mortgage even after a bankruptcy. - [The True Cost of Selling a Home: What to Expect](https://www.newamericanfunding.com/learning-center/homeowners/the-true-cost-of-selling-a-home-what-to-expect/): Discover the often-overlooked expenses of selling a home—from closing costs to repairs—that can quickly add up and impact your final profit. - [What to Know About Buying a Fixer-Upper](https://www.newamericanfunding.com/learning-center/videos/what-to-know-about-buying-a-fixer-upper/): Homebuyers may buy a fixer-upper if they are interested in renovations or customization. Find out what to know about fixer-uppers and if they may be right for y - [More Choices for Buyers Pushes Existing Home Sales to First Annual Increase in More than Three Years](https://www.newamericanfunding.com/learning-center/housing-news/more-choices-for-buyers-pushes-existing-home-sales-to-first-annual-increase-in-more-than-three-years/): Sales of existing homes rose 2.9% in October compared to the same month a year ago, according to the National Association of Realtors. - [Interest-Only Mortgages: Risks and Costs | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/low-payments-now-high-costs-later-the-truth-about-interest-only-mortgages/): Interest-only loans allow borrowers to pay just the interest on a loan for a set period. But then monthly mortgage payments may increase substantially. - [How to Get 'Free Money' to Purchase a Home](https://www.newamericanfunding.com/learning-center/videos/how-to-get-free-money-to-purchase-a-home/): Down payment assistance may help homebuyers purchase a home even if they don't have substantial savings. Find out what programs may be available to you. - [Fixer-Uppers: Dream Homes or Money Pits? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fixer-uppers-affordable-dream-homes-or-expensive-money-pits/): Fixer-uppers may be affordable options to get into pricier neighborhoods, but buyers could wind up spending much more than they anticipated on renovations. - [What Is PMI and How Can You Avoid It? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-pmi-what-you-need-to-know-and-how-you-can-avoid-it/): Homebuyers who make smaller down payments may need to pay private mortgage insurance, also known as PMI. Here's how to avoid it—or get rid of it. - [Buying a Home With Gift Funds: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/videos/buying-a-home-with-gift-funds/): Gift funds from close family members are often accepted by lenders. Find out how gift funds work and whether they might be an option for your homebuying journey - [How Much Home Can You Afford on Your Salary? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/this-is-how-much-home-you-can-you-afford-on-your-salary/): A homebuyer's income helps to determine how much home they can afford. - [Black Millennial Homeownership Gap Widens | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-homeownership-gap-is-growing-for-black-millennials/): Faced with a challenging housing market, fewer Black millennials are purchasing homes. - [How to Use Your Home Equity to Buy Your Next Home](https://www.newamericanfunding.com/learning-center/homeowners/how-to-use-your-home-equity-to-buy-your-next-home/): A person’s home is often the most valuable thing they will ever own. Find out how you can use the equity you have in your home to buy your next one. - [Can I Buy a Home If I Have Student Loan Debt?](https://www.newamericanfunding.com/learning-center/videos/buying-a-home-with-student-loan-debt2/): Aspiring homebuyers with student loan debt may still be able to get a mortgage. Find out how student loan debt affects your ability to qualify for a home loan. - [What Is Earnest Money and How Does It Work?](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-earnest-money-and-how-does-it-work/): Earnest money is a small “good faith” deposit buyers can put down to show the seller they are serious about purchasing their home. - [How to Protect Your Home From Wildfires | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/disaster-awareness-how-to-protect-your-home-from-wildfires/): To protect your home against wildfires, you will want to look at the flammability of the materials it was constructed with and address any vulnerabilities. - [Cities That Will Pay You to Move There | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/ready-for-a-change-these-cities-will-pay-you-to-move-there/): Relocation packages may include additional perks like free memberships to a coworking space and fitness centers, adding up to a total value of about $12,000. - [What Buyers Need to Know About VA Loans](https://www.newamericanfunding.com/learning-center/videos/what-buyers-need-to-know-about-va-loans/): VA loans may save homebuyers thousands of dollars. Find out what you need to know about VA loans as a homebuyer and how they may be able to help you. - [Homebuying for Disabled Veterans | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-as-a-disabled-veteran-what-you-need-to-know/): VA disability benefits may include exemption from the VA funding fee, as well as tax benefits, and potentially discounted interest rates. - [What Makes a Neighborhood Feel Like Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/more-than-location-what-makes-a-neighborhood-truly-feel-like-home/): Discover the small but significant factors that create a sense of belonging and make a neighborhood truly feel like home. - [Fed Cuts Rates Again: Will Mortgage Rates Fall? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-made-another-rate-cut-should-homebuyers-expect-lower-mortgage-rates/): Despite the Fed's interest rate cut, mortgage rates may not move down as quickly as many homebuyers had hoped. - [What Is an Escalation Clause in Real Estate? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-an-escalation-clause-this-little-known-strategy-can-help-homebuyers-in-competitive-markets/): An escalation clause is a tool homebuyers can use to win a bidding war—but it could backfire. - [First-Time Homebuyer Challenges and Solutions | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/first-time-buyers-face-challenges-but-there-are-many-ways-to-achieve-homeownership/): Fewer first-time buyers are able to afford homes in today’s high-cost market, with rising mortgage rates, limited inventory, and record-high prices. - [Why Escrow Payments Change Over Time](https://www.newamericanfunding.com/learning-center/videos/why-escrow-payments-change-over-time/): Mortgage payments may fluctuate over time as property taxes and homeowner's insurance change. Find out how escrow payments change and why it matters. - [Want to Become a Real Estate Investor? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/want-to-become-a-real-estate-investor-read-this-first/): There are several types of real estate investment. Potential investors should explore the pros and ons of home flipping, buying a rental property, or investing - [States With More First-Time Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-first-time-buyers-are-purchasing-homes-in-these-surprising-states/): Since 2019, there has been a jump in first-time buyers successfully purchasing homes in the Northeast and the Midwest. - [Forget 90210: These Are the 10 Most Expensive ZIP Codes in America](https://www.newamericanfunding.com/learning-center/housing-news/forget-90210-these-are-the-10-most-expensive-zip-codes-in-america/): These ZIP Codes have some of the most expensive real estate in the nation. - [Nailing Your Offer on a Home](https://www.newamericanfunding.com/learning-center/videos/nailing-your-offer-on-a-home/): In today’s competitive housing market, homebuyers may need to pull out all the stops to be able to buy the home they want. Here's how you can do it. - [Buying a Home May Get Cheaper | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/good-news-for-homebuyers-it-may-get-a-little-cheaper-to-purchase-a-home/): Homebuyers are always looking to save money. Good news is on the way. More homebuyers will soon be able to buy a home without needing to pay for an appraisal. - [The Back and Forth on Interest Rates](https://www.newamericanfunding.com/learning-center/housing-news/market-update-october-31st-back-and-forth-on-interest-rates--mortgage-rundown/): In today's episode of the Mortgage Rundown, we discuss the impact of recent interest rate changes, economic data, and the upcoming election. - [Most Americans Would Purchase a Haunted Home—If the Price Was Right](https://www.newamericanfunding.com/learning-center/housing-news/most-americans-would-purchase-a-haunted-homeif-the-price-was-right/): Many Americans would purchase a haunted home—if it was discounted. - [The Impact of Lower Mortgage Rates: Home Sales Set to Rise After September Rate Retreat](https://www.newamericanfunding.com/learning-center/housing-news/the-impact-of-lower-mortgage-rates-home-sales-set-to-rise-after-september-rate-retreat/): If anyone ever doubted the impact of lower mortgage rates, consider what happened in September. Rates fell precipitously and people jumped right back into the h - [FHA Streamline Refinances: What to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/what-you-need-to-know-about-fha-streamline-refinances/): FHA loans come with a refinancing option, the FHA streamline refinance, which can cost less than other options. Find out if FHA refinancing is right for you. - [How Cash Offers Can Save Homebuyers Money | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/unlock-big-savings-why-cash-offers-can-save-you-more-on-your-home/): Discover how cash offers can save you money on your home purchase by reducing interest costs, speeding up closing, and giving you more negotiating power. - [Homeowners Tap Into Home Equity Like 2008 | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/homeowners-are-tapping-into-their-home-equity-like-its-2008/): A set of circumstances pushed homeowners to tap into their home equity at levels not seen in more than 15 years. Learn where home equity loans are popular. - [Why DTI Matters for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/keeping-an-eye-on-your-dti-why-debt-to-income-ratios-matter-for-homebuyers/): Lenders will look at your debt-to-income (DTI) ratio when deciding whether to approve your mortgage application. DTI is how much money you owe vs your income. - [Deals to Die For: Are Murder Homes Worth the Discounts?](https://www.newamericanfunding.com/learning-center/housing-news/deals-to-die-for-are-murder-homes-worth-the-discounts/): Properties where someone was murdered are often discounted, but buyers will pay a different kind of price. - [How to Win a Bidding War](https://www.newamericanfunding.com/learning-center/videos/how-to-win-a-bidding-war/): New American Funding's Shanta Patton-Golar discusses tactics that homebuyers can take to help them to win a bidding war—and know when to walk away. - [How Much Home Can You Really Afford?](https://www.newamericanfunding.com/learning-center/homebuyers/how-much-home-can-you-really-afford/): The rule of thumb is buyers shouldn’t spend more than 28% of their gross (pre-tax) income on their mortgage payments. But everyone’s expenses vary. - [Jumbo Loans for More Expensive Homes | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/jumbo-loans-the-super-sized-mortgages-for-more-expensive-homes/): And while many buyers may think they need to put down 20% of the sale price of the home to secure a jumbo loan, they may only need 10% to 15% down. - [How to Ace an Open House](https://www.newamericanfunding.com/learning-center/videos/how-to-ace-an-open-house/): An open house is a great way to get a look at a property. Learn what to look for in an open house and how to avoid overlooking things that might be important. - [Why You Shouldn't Skip Home Inspections | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/homebuyers-beware-why-you-shouldnt-skip-home-inspections/): Home inspections are an important part of the homebuying process. They allow buyers to get a better understanding of a home’s condition and repair needs. - [10 Home Improvements With the Best ROI | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/planning-to-upgrade-your-home-these-10-improvements-offer-the-best-roi/): Homeowners hoping to get the best return on their investment may want to focus on certain improvements. Discover 10 improvements that offer the best ROI. - [Top 20 Cities for New Home Sales | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/texas-tops-the-charts-the-top-20-cities-for-new-home-sales/): Buyers looking for the best selection of newly built homes—and possibly even lower prices—might want to set their sights on Texas and other Southern states. - [What to Know About Assumable Mortgages](https://www.newamericanfunding.com/learning-center/videos/what-to-know-about-assumable-mortgages/): Homebuyers may be able to secure lower mortgage rates with an assumable mortgage. Find out what you need to know about them and if they may be right for you. - [Is a Cash-Out Refinance Right for You? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/what-is-a-cash-out-refinance-loanand-is-it-right-for-you/): A cash-out refinance allows the homeowner to access the equity they’ve built up in their home. Find out if it might be right for you and what you can do with it - [Home Appraisals: Why They Can Make—or Break—a Deal](https://www.newamericanfunding.com/learning-center/homebuyers/home-appraisals-why-they-can-makeor-breaka-deal/): A home appraisal, which calculates the fair-market value of the property, can make or break a sale. - [Cities Where Buying Beats Renting | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/renting-to-save-money-buying-a-home-is-cheaper-than-rent-in-these-cities/): In New Orleans, Chicago, and Pittsburgh, homeowners may save between $300-$450 a month owning a home rather than renting. - [How FHA Loans Help First-Time Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/unlocking-homeownership-how-fha-loans-may-help-first-time-buyers/): Learn how FHA loans can open the door to homeownership for first-time buyers with low down payments, flexible credit requirements, and affordable mortgage rates - [How to Prevent Foreclosure: Navigating Your Options](https://www.newamericanfunding.com/learning-center/homeowners/how-to-prevent-foreclosure-navigating-your-options/): Learn how to explore your options and take proactive steps to prevent foreclosure, protect your home, and navigate financial hardships with confidence. - [Advice for Homeowners After a Hurricane | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/managing-the-aftermath-advice-for-homeowners-for-after-a-hurricane/): Wind damage and flooding are the two biggest causes of property damage from hurricanes. Find out how you can manage the aftermath of damage to your home. - [Mortgage Amortization Schedule: How to Save | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/understanding-the-mortgage-amortization-schedule-can-help-homeowners-save-money/): Homeowners with a mortgage receive an amortization schedule. Find out how different mortgage payment schedules may save you money on your home. - [10 Cities Where Home Prices Have Fallen Most | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/looking-for-a-bargain-10-cities-where-home-prices-have-fallen-the-most/): After years of rising prices, homebuyers are finally seeing some relief as home prices are falling in many parts of the country - [Autumn Vibes: 6 Design Trends to Warm Up Your Home for Fall 2024](https://www.newamericanfunding.com/learning-center/housing-news/autumn-vibes-6-design-trends-to-warm-up-your-home-for-fall-2024/): These are six hot home design trends for fall 2024. - [Budgeting for Your First Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/creating-a-budget-when-youre-saving-up-for-your-first-home/): The first step to ready yourself for thinking about a home purchase is to get an accurate look at your income and expenses.  - [These Are the 10 Best Small Cities in America in 2024](https://www.newamericanfunding.com/learning-center/housing-news/these-are-the-10-best-small-cities-in-america-in-2024-and-the-worst-one-too/): The best small town in America boasts low unemployment, a reasonable cost of living, and residents there are generally healthy. - [Home Improvement Loans to Update Your Home | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/eager-to-update-your-home-these-home-improvement-loans-may-help/): Home improvement loans can provide cash for your next big project, often using your home as collateral—though not all do. - [How to Negotiate Realtor Commissions | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-how-to-negotiate-your-real-estate-agent-commission/): Once you’ve decided to work with a real estate agent, you should find one you trust. Then it’s time to discuss compensation. Commissions can vary by agent. - [Essential Hurricane Preparedness for Your Home | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/weathering-the-storm-essential-hurricane-preparedness-for-your-home/): Every hurricane season, homes are damaged. Find out how you can prepare and protect yourself and your home from hurricanes. - [Coming Down: Mortgage Rates Fall to Two-Year Lows](https://www.newamericanfunding.com/learning-center/housing-news/going-down-mortgage-rates-fall-to-two-year-lows/): Homebuyers finally have something to celebrate: Mortgage rates fell to a two-year low. - [How More Homes for Sale Benefit Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-homes-more-choices-how-an-increase-in-homes-for-sale-is-benefiting-buyers/): As more homes hit the market, buyers may finally find the breathing room they've been waiting for. - [The 10 Best Cities for Women in 2024](https://www.newamericanfunding.com/learning-center/housing-news/the-10-best-cities-for-women-in-2024/): When choosing a place to live, experts say women should consider their personal goals, community support, economic opportunities as well as access to healthcare - [How Lower Mortgage Rates Boost Buying Power | New American Funding](https://www.newamericanfunding.com/learning-center/videos/how-falling-mortgage-rates-can-help-you-get-more-home-for-your-money/): Lower mortgage rates may equal lower monthly mortgage payments. Learn what falling mortgage rates mean for home affordability. - [Homebuying Tips for People With Disabilities | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/accessibility-in-housing-expert-advice-on-buying-a-home-while-disabled/): The Fair Housing Act protects disabled homebuyers from discrimination. Find out things to consider when buying a home as a disabled person. - [Lower Mortgage Rates Boost Buying Power | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/hoping-to-buy-a-more-expensive-home-lower-mortgage-rates-are-here-to-help/): Lower mortgage rates can offer first-time buyers a bit more flexibility. This can open the door to homes that were previously unaffordable. - [The Best Is Yet to Come: October Is the Best Month to Buy a Home In 2024](https://www.newamericanfunding.com/learning-center/housing-news/the-best-is-yet-to-come-october-is-the-best-month-to-buy-a-home-in-2024/): October offers treats, not tricks, for homebuyers. Historically, the month offers more homes for sale, lower prices, a slowing market, and less demand. - [How Hispanic Homeowners Build Wealth | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/hispanic-homeowners-are-building-wealth-this-is-how-much-its-paying-off/): With Hispanic Heritage Month in full swing, there's plenty to celebrate—especially when it comes to Hispanic homeownership. - [Lower Rates and Adjustable-Rate Mortgages | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/what-lower-interest-rates-mean-for-adjustable-rate-mortgages/): Mortgage interest rates have risen in the last few years. That rise pushed many people to turn to an ARM, but what happens when long-term rates fall? - [Do Lower Mortgage Rates Make Homes Cheaper? | New American Funding](https://www.newamericanfunding.com/learning-center/videos/will-lower-mortgage-rates-make-buying-a-home-more-affordable/): Mortgage rates change over time. Find out how rates work and if lower mortgage rates make homes more affordable to buy. - [Interest Rates Have Finally Dropped](https://www.newamericanfunding.com/learning-center/housing-news/interest-rates-have-finally-dropped/): The Federal Reserve significantly lowered interest rates for the first time in four and a half years, signaling a shift in economic strategy. - [Should You Refinance Your Mortgage as Rates Drop?](https://www.newamericanfunding.com/learning-center/videos/should-you-refinance-your-mortgage-as-rates-drop/): There are many things for homeowners to consider as they decide whether or not to refinance. Find out what you need to know about refinancing and mortgage rates - [Why Mortgage Rates Rise and Fall](https://www.newamericanfunding.com/learning-center/videos/why-mortgage-rates-rise-and-fall/): Mortgage rates rise and fall with various factors including the economy and actions by the fed. Find out more about why they change and what it means for you. - [How Much Homebuyers Save as Mortgage Rates Drop | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/heres-how-much-money-homebuyers-will-save-with-every-mortgage-rate-drop/): Even the smallest changes in mortgage rates can result in big savings. This is how much homebuyers may be able to save a month every time mortgage rates drop. - [Fed Cuts Rates: Will Mortgage Rates Fall? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-cut-interest-rates-will-mortgage-rates-go-down-too/): Mortgage rates may not come down to correspond with the U.S. Federal Reserve's interest rate cut as many homebuyers had hoped. - [Buy a Home Now or Wait for Lower Rates? | New American Funding](https://www.newamericanfunding.com/learning-center/videos/should-you-buy-a-home-nowor-wait-until-mortgage-rates-fall/): Mortgage rates rise and fall often and are affected by many different factors. Find out what to know about buying now vs waiting for mortgage rates to fall. - [Lower Rates, Big Savings for First-Time Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/calling-all-first-time-homebuyers-lower-mortgage-rates-can-mean-big-savings/): The decline in mortgage rates means that today’s homebuyers may be able to save several hundred dollars each month and thousands of dollars per year. - [First-Time Homebuyer Guide: Step-by-Step Path | New American Funding](https://www.newamericanfunding.com/learning-center/guides/first-time-homebuyer-guide-your-step-by-step-path-to-homeownership/): This first-time homebuying guide has expert advice on everything from preparing your finances to securing the right mortgage. Learn about buying a home today. - [Why Mortgage Rates Change and What It Means for You](https://www.newamericanfunding.com/learning-center/homebuyers/why-mortgage-rates-change-and-what-it-means-for-you/): Mortgage rates often react to changes in the economy. They are affected by Federal Reserve's decisions on interest rates, inflation, and the bond market. - [Reverse Mortgages: Are They Right for You? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/the-truth-about-reverse-mortgages-are-they-right-for-you/): Reverse mortgages offer flexibility and may provide a much-needed boost to your retirement income. Find out if a reverse mortgage may benefit you in retirement. - [A Guide to Preventing Mortgage Fraud](https://www.newamericanfunding.com/learning-center/homebuyers/a-guide-to-preventing-mortgage-fraud/): You should also consider setting up multifactor authentication on your email accounts. It is an effective way to prevent scammers from accessing your accounts. - [Mortgage Rates vs. APR: Know the Difference | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/mortgage-rates-vs-apr-knowing-the-difference-may-save-homebuyers-big-money/): APR is the mortgage rate in addition to other fees and charges you will be paying on an annual basis for your loan. - [House Hacking: Buying a Home with Friends | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/house-hacking-to-save-money-why-some-homebuyers-are-co-buying-a-home-with-friends/): Co-buying helps many folks to afford homeownership and build equity at a time when home prices are at record highs and mortgage rates remain elevated. - [Why Conventional Loans Are Most Popular | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-why-conventional-mortgages-are-the-most-popular-home-loans/): Homebuyers often like Conventional loans because of their flexible down payment options, which can be as low as 3% and easier inspection requirements. - [Why Your Mortgage Payment Changed: Escrow | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/why-did-your-mortgage-payment-change-it-could-be-your-escrow-account/): Your payments can change because of changes in homeowner’s insurance rates or property taxes. Find out what is paid out of escrow and how those payments change. - [Homebuying Tips for Remote Workers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/city-life-to-cost-savings-what-remote-workers-should-consider-when-buying-a-new-home/): Remote workers may have different needs in a home. Reliable, high-speed internet and a dedicated home office or workspace are often essential. - [How to Win a Home Bidding War | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/bidding-wars-how-homebuyers-can-triumph-in-the-housing-market-and-know-when-to-walk-away/): Homebuyer's non-negotiatbles should include things like maximum sale price, maximum down payment, and the earliest (and latest) time for closing. - [The 10 Best States to Live in 2024](https://www.newamericanfunding.com/learning-center/housing-news/the-10-best-states-to-live-in-2024/): That's because half of the top 10 states to live in are in the Northeast, according to a recent WalletHub report. - [How New Construction Homes Can Save Money | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/newly-constructed-homes-may-cost-more-but-wind-up-saving-buyers-more-money/): Builders have been putting smaller, more affordable homes on the market and offering incentives that can lower buyers' upfront costs—and monthly payments. - [What to Consider Before Buying a Rental Property](https://www.newamericanfunding.com/learning-center/homebuyers/what-to-consider-before-buying-a-rental-property/): Long-term rental properties can make a lot of financial sense: You build equity while a tenant covers the monthly mortgage payment on the property. - [12 Housing Markets With Biggest Price Hikes | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/these-12-housing-markets-experienced-the-largest-price-hikes-since-the-pandemic/): Knoxville, Tennessee, topped the list as the largest market with the steepest home appreciation. Home prices in the metro have increased 74.3% since March 2020. - [Tips to Boost Your Credit Score Before Buying a Home](https://www.newamericanfunding.com/learning-center/homebuyers/tips-to-boost-your-credit-score-before-buying-a-home/): Check your credit report. Checking your credit score is a critical first step for someone who is considering entering the housing market. - [Multifamily Homes: Use Rent to Pay Your Mortgage | New American Fundin](https://www.newamericanfunding.com/learning-center/homebuyers/multifamily-housing-buy-a-home-and-have-someone-else-help-pay-your-mortgage/): Buying multifamily housing with two or more units may also provide tax benefits, including deductions for mortgage interest, property taxes, and depreciation. - [Homebuying Assessments for First-Time Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/hoping-to-buy-your-first-home-how-a-homebuying-assessment-can-help-you-achieve-homeownership/): The assessment is an evaluation by a loan officer to set you up for homebuying success. Typically, it involves diving into your financial profile. - [How to Buy and Sell a Home at the Same Time](https://www.newamericanfunding.com/learning-center/homeowners/how-to-buy-and-sell-a-home-at-the-same-time/): Learn how to use things like contingency offers, all-cash offers, and bridge loans to buy and sell a home at the same time. - [How to Save When Buying a Home with Cash | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-cash-advantage-how-to-save-big-when-buying-a-home-with-cash/): Homebuyers looking to save money may be able to secure a discount by using cash. But how do you become a cash buyer? Here's the answer. - [Homeowners Rush to Refinance as Rates Drop | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homeowners-race-to-refinance-as-mortgage-rates-come-down/): Mortgage rates have been declining since May. That's driving an increase in people seeking to take advantage of the market by refinancing their mortgage. - [Could a Recession Help First-Time Homebuyers? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/could-a-recession-help-first-time-buyers-a-downturn-could-make-purchasing-a-home-more-affordable/): A mild recession might be what is needed for those homebuyers to have lower rates and more available homes for sale - [DIY Home Projects: When to Hire a Pro | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/diy-home-projects-what-to-do-yourself-and-when-to-call-the-pros/): For problems where the cause is not clear, involving electrical or plumbing systems, HVAC systems, or foundation issues, homeowners may want to call a pro. - [What You Need to Qualify for USDA Financing](https://www.newamericanfunding.com/learning-center/homebuyers/what-you-need-to-qualify-for-usda-financing/): To qualify for a USDA rural mortgage, a property must fall within a rural area that has been determined by the U.S. Department of Agriculture. - [New Home Construction Drops, but Experts Remain Optimistic](https://www.newamericanfunding.com/learning-center/housing-news/new-home-construction-drops-but-experts-remain-optimistic/): New housing construction is slowing, although real estate experts anticipate it will pick back up again throughout the rest of the year. - [How to Make a Strong Offer on a Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/found-the-right-home-how-homebuyers-can-make-an-irresistible-offer-that-sellers-hopefully-cant-resist/): You may want to consider offering more than the list price for a well-priced, move-in-ready home in a popular location that has been attracting interest. - [Open House Tips for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/ready-set-open-house-how-homebuyers-can-navigate-open-houses-like-pros/): About half of all buyers used open houses as one of their top sources of information when purchasing a home. - [How Low Will Mortgage Rates Go?](https://www.newamericanfunding.com/learning-center/housing-news/how-low-will-mortgage-rates-go/): "There is always a possibility of a high 5% this year, but I don't see rates going lower than that," said Jason Obradovich, chief investment officer at NAF - [Boost Your Income With a Backyard ADU | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/looking-for-ways-to-boost-your-income-consider-an-accessory-dwelling-unit-in-your-backyard/): ADUs are increasingly becoming a popular solution for homeowners in pricey states, such as California. Read more about how an ADU may be a boost to your income. - [How to Use a Mortgage to Consolidate Your Debt](https://www.newamericanfunding.com/learning-center/homeowners/how-to-use-a-mortgage-to-consolidate-your-debt/): Debt consolidation is a tool that may help homeowners manage high-interest debt —find out if using a mortgage to consolidate your debt might be right for you. - [5 Tips for First-Time Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/finding-the-right-home-for-you-5-essential-tips-for-first-time-homebuyers/): The location of your home may be just as important as the property—if not more so. - [The Path to Lower Rates Has Begun](https://www.newamericanfunding.com/learning-center/housing-news/the-path-to-lower-rates-has-begun/): It is expected now that the Fed will lower rates more than 1% before the end of the year. The likelihood of lower rates for the foreseeable future is high. - [Homeowners Need Rates Below 5% to Move | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/nearly-half-of-homeowners-need-mortgage-rates-below-5-to-consider-moving/): As the number of homes for sale is on the rise, there are still a lot of homeowners who are happy to remain in their current home—with their low mortgage rate. - [Mortgage Rates Are Falling: Refinance or Wait? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/mortgage-rates-are-falling-should-homeowners-refinance-their-home-loans-now-or-wait/): Homeowners who are locked into mortgages with higher rates may want to consider refinancing their home loans now. Find out if refinancing might be right for you - [Will a 15-Year Mortgage Save You Money? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/will-a-15-year-mortgage-save-homebuyers-money-what-you-need-to-know/): A 15-year fixed mortgage is good mostly for someone who is refinancing when rates drop to a lower rate mortgage and who intends to stay in that home for a while - [Seller Concessions: When to Ask | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/seller-concessions-what-are-they-and-when-should-you-ask-for-them/): These concessions usually come in the form of paying down closing costs or offering to buy down the buyer's mortgage rate for the first year or two of the loan. - [6 Ways to Save for a Down Payment | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/first-time-homebuyer-alert-six-smart-ways-to-come-up-with-a-down-payment-for-a-home/): One of the biggest myths that continues to stymie first-time homebuyers is that a 20% down payment is required to purchase a home. - [Lower Your Mortgage Rate with a Buydown | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/looking-for-a-low-rate-why-homebuyers-may-want-to-consider-a-mortgage-rate-buydown/): A mortgage rate buydown is "buying down" a mortgage rate. It can be temporary, lowering a borrower's rate for one to three years. A buydown may be permanent. - [Mortgage Rates Could Fall This Fall | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/hold-on-homebuyers-mortgage-rates-could-tumble-this-fall/): But the Fed is widely expected to make its first rate cut in September if inflation continues to cool. This could lead to lower mortgage interest rates. - [Buy a Home Faster With Down Payment Assistance | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/fast-track-to-homeownership-heres-how-much-faster-buyers-can-purchase-by-using-down-payment-assistance/): About a third of all mortgage applications that are typically declined could have been approved if buyers used down payment assistance. - [6 Tips to Get a Lower Mortgage Rate | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/6-tips-for-homebuyers-trying-to-snag-a-lower-mortgage-rate/): Mortgage points can be purchased at a home's closing to lower an interest rate. Points generally lower rates in 0.25% increments. - [HELOC Hacks: Smart Solutions for Homeowners](https://www.newamericanfunding.com/learning-center/homeowners/heloc-hacks-smart-solutions-for-homeowners/): The amount you can borrow with a HELOC depends on the equity you have in your home. Most lenders require that you have at least 15-20% equity in your home. - [What Homeowners Insurance Covers and Doesn't | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/homeowners-may-be-surprised-about-what-their-insurance-policies-cover-and-what-they-dont/): Home insurance policies typically cover various common threats like fire damage or theft. Learn more about what homeowners insurance covers, and what it may not - [Top 10 Cities for Black First-Time Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/top-10-cities-black-families-are-looking-for-affordable-starter-homes/): Detroit is the most affordable central metro area for Black families looking to buy a starter home. - [More Homes for Sale Give Buyers More Power | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/buyers-market-incoming-more-homes-for-sale-gives-buyers-choices-and-power/): The number of existing homes for sale in June was up 23.4% from the previous year. This was the most unsold housing inventory since May 2020. - [How to Get a Second Mortgage With a Low Rate | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/have-a-low-rate-locked-in-the-smart-way-to-do-a-second-mortgage/): Learn the smart way to do a second mortgage if you already have a low mortgage rate locked in with your current home loan. - [How to Get a Mortgage with Bad Credit | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-qualify-for-a-mortgage-with-less-than-perfect-credit/): Exploring government-backed loans and working with an experienced lender to boost credit scores quickly can help borrowers qualify for a mortgage. - [The Beginning of the End for Higher Rates](https://www.newamericanfunding.com/learning-center/housing-news/the-beginning-of-the-end-for-higher-rates/): Welcome back to the Mortgage Rundown! Today, we dive into the current downward trend in mortgage interest rates. - [The 10 Best Cities for First-Time Homebuyers in 2024](https://www.newamericanfunding.com/learning-center/housing-news/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. - [Foreign Buyers Purchase Record-Low Number of American Homes](https://www.newamericanfunding.com/learning-center/housing-news/foreign-buyers-purchase-record-low-number-of-american-homes/): These homebuyers spent about $42 billion on American homes—a 21.2% decrease from the previous year. They made up about 2% of all existing home sales. - [Lender Tips for a Smooth Homebuying Experience | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/insider-tips-and-tricks-mortgage-lenders-reveal-secrets-to-a-smooth-homebuying-experience/): You can have a smoother homebuying experience by getting preapproved, understanding different loan types, and seeking down payment assistance. - [Is the Housing Market Hot or Cold? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/is-the-housing-market-heating-up-or-cooling-down-that-depends/): Many real estate experts believe that will be later this year when the U.S. Federal Reserve is expected to lower interest rates. - [How to Pay Off Your Mortgage Faster and Save | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/slash-your-mortgage-strategies-to-pay-off-your-home-loan-faster-and-save-big/): A mortgage is a big commitment - both financially and in terms of time. However, there are several ways that you can pay off your home loan faster. - [Mortgage Rates May Soon Drop | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuyer-relief-on-the-horizon-mortgage-rates-may-soon-decrease/): Homebuyers may soon get a break in the form of lower housing costs. Mortgage rates could soon dip as inflation cools and that may already be happening. - [Buying a Fixer-Upper Is Getting Easier | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-on-a-budget-its-about-to-become-easier-to-purchase-a-fixer-upper-home/): It's about to become a little easier for buyers hoping to save a few bucks by purchasing a fixer-upper. Here's why. - [Homebuyer Optimism Rises as Price Growth Slows | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-are-more-optimistic-about-the-housing-market-rising-as-price-growth-slows/): Most notably, the share of consumers who said that it’s a good time to buy a home rose from an all-time low of 14% in May to 19% in June. - [How to Buy a Home with Student Loans | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/high-student-loans-heres-how-you-can-still-buy-a-home/): To buy a home with student debt, explore low-down-payment loan options, improve your credit score, and pay down debt to help you qualify for a mortgage. - [Asian American Homeownership Rises | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/asian-american-homeownership-on-the-rise-despite-challenges/): As the Asian American population continues to increase, their homeownership rate is expected to keep rising. Find out more about their growth. - [Assumable Loans: Low Rates, High Risks? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/homebuyers-can-lock-in-super-low-rates-with-assumable-mortgages-are-the-loans-worth-the-risks/): An assumable mortgage allows the buyer to take over the seller's existing home loan instead of applying for a new one. The mortgage balance and interest rate. - [How to Get a Non-QM Loan When Self-Employed | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/self-employed-no-problem-how-to-get-a-non-qm-loan-to-buy-a-home/): To qualify for a non-QM loan, borrowers can use alternative income verification methods. This can include bank statements, asset depletion, or rental income. - [8 Common Homebuyer Mistakes to Avoid | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-8-mistakes-many-homebuyers-makeand-how-to-avoid-them/): A major misstep that many first-time buyers make is not getting pre-approved for a mortgage before house hunting. - [Pending Home Sales Fell in May: Lower Mortgage Rates Could Lure Buyers Back to the Market](https://www.newamericanfunding.com/learning-center/housing-news/pending-home-sales-fell-in-may-lower-mortgage-rates-could-lure-buyers-back-to-the-market/): Mortgage rates were above 7% for most of May, according to Freddie Mac data. Rates have since tumbled a bit. That has improved affordability a little. - [Patience Required for the Second Half of 2024](https://www.newamericanfunding.com/learning-center/housing-news/patience-required-for-the-second-half-of-2024/): We explore the fluctuation of interest rates, discuss the importance of the jobs report, and review how this may impact the economy for the remainder of 2024. - [New Home Sales Fall for Second Straight Month, but Money-Saving Opportunities Exist for Homebuyers](https://www.newamericanfunding.com/learning-center/housing-news/new-home-sales-fall-for-second-straight-month-but-money-saving-opportunities-exist-for-homebuyers/): The total number of newly constructed homes sold fell sharply in May, marking the second straight month of declines. - [VA Loan Changes Benefit Veteran Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/va-loan-changes-help-veterans-compete-in-housing-market/): The U.S. Department of Veterans Affairs (VA) announced a temporary solution last week to help homebuyers using VA loans. Here's everything you need to know. - [7 Ways to Save on a Home This Summer | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/beat-the-heat-7-ways-to-save-money-on-buying-a-home-this-summer/): There are several ways to save money buying a home this summer. They include avoiding a bidding war, using loans like VA and FHA, or buying new construction. - [USDA Loans: Closer to Cities Than You Might Expect](https://www.newamericanfunding.com/learning-center/homebuyers/usda-loans-closer-to-cities-than-you-might-expect/): USDA loans are often attractive to buyers because they may be able to purchase a home with no down payment. This can make homeownership more accessible. - [Juneteenth: Honoring the Legacy of Freedom for All](https://www.newamericanfunding.com/learning-center/inclusive-lending/juneteenth-honoring-the-legacy-of-freedom-for-all/): Juneteenth is the first new federal holiday since Martin Luther King Jr. Day in 1983. However, the day has long been celebrated in the Black community. - [Why Buy a Home Despite High Mortgage Rates? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-are-high-why-buyers-should-consider-purchasing-a-home-anyway/): Buying a home at a time when both prices and mortgage rates are high may seem like insanity. However, it could wind up being a financially savvy decision. - [Why Families Choose Multigenerational Homes | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/more-families-are-choosing-multigenerational-homes-for-this-important-reason/): Buying a multigenerational home may make financial sense for some families. Here's why more people are choosing to live together with their relatives. - [Rejected by 9 Lenders Before Buying a Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/nine-mortgage-lenders-rejected-this-technician-before-he-finally-became-a-homeowner-this-is-how-he-did-it/): After a year-and-a-half of trying to get a home loan, Adam Sanchez closed on the condo in May 2024. - [Lower Rates Could Ease Summer Homebuying | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/buying-a-home-could-be-more-affordable-this-summer-as-mortgage-rates-dip/): It may become a little more affordable to purchase a home this summer. Here's the latest on what interest rates are doing and what it means for you. - [How the Right Lender Helps You Buy a Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-the-right-lender-can-guide-you-through-the-entire-homeownership-journey/): Learn how New American Funding can guide you through your homeownership journey by providing home loans, advice, and specialized homebuyer programs. - [FHA Down Payment Assistance | New American Funding](https://www.newamericanfunding.com/learning-center/guides/fha-down-payment-assistance-your-guide-to-homeownership/): FHA down payment assistance programs are available from a number of different sources. Find out what options are available and what type might be right for you. - [How a 23-Year-Old DACA Student Became a CA Homeowner](https://www.newamericanfunding.com/learning-center/homebuyers/how-a-23-year-old-daca-student-became-a-ca-homeowner/): Discover the inspiring journey of Jaqueline Martinez, a 23-year-old DACA recipient who defied the odds to become a homeowner in California. - [Top 10 States for All-Cash Home Sales | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/cash-is-key-the-top-10-states-for-all-cash-home-sales/): Across the country, all-cash buyers purchased about 28% of homes in April, according to the National Association of Realtors. - [Why Pride Matters in the Mortgage Industry](https://www.newamericanfunding.com/learning-center/inclusive-lending/why-pride-matters-in-the-mortgage-industry/): This Pride month, learn why LGBTQ+ equality matters in the mortgage industry and find out what NAF is doing to serve the LGBTQ+ community in lending. - [How Long Does Mortgage Pre-Approval Take?](https://www.newamericanfunding.com/learning-center/homebuyers/how-long-does-mortgage-pre-approval-take/): For the average applicant, mortgage pre-approval before buying a home takes seven to 10 days. - [Interest Rates Rising Again](https://www.newamericanfunding.com/learning-center/housing-news/interest-rates-rising-again/): In today's episode, we dive into inflation and employment rates, and how these are influencing the current rise in interest. - [Is Home Insurance Tax Deductible?](https://www.newamericanfunding.com/learning-center/homeowners/is-home-insurance-tax-deductible/): You pay insurance, property taxes, and various other expenses for your home. Find out which of these might be tax deductible. - [5 Year Rate Protection Pledge](https://www.newamericanfunding.com/learning-center/homeowners/5-year-rate-protection-pledge/): We believe in doing it right – not twice. That means no lender fee or appraisal fee when you refinance with us at a lower rate in the next five years. - [One-Time Close Loans for Homeowners | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/one-time-close-loans-empowering-homeowners-who-are-building-and-renovating-in-a-changing-market/): A One-Time Close loan simplifies the financing process by combining the construction and permanent mortgage into a single loan. - [5-Year Rate Protection Pledge for a Refinance](https://www.newamericanfunding.com/learning-center/homeowners/5-year-rate-protection-pledge-for-a-refinance/): Our commitment is to get you a low rate and avoid repeat fees on a refinance. - [Buyer's vs. Seller's Market: Key Differences | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buyers-markets-vs-sellers-markets-understanding-the-key-differences/): A buyer's market favors home shoppers. They often have more choices and additional bargaining power. A seller's market is often defined by a low supply of homes - [How a $500 Rent Hike Led to Homeownership | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-a-500-rent-increase-led-to-homeownership-for-this-veteran/): The VA home loan program has been instrumental in helping veterans like Lisa achieve homeownership. - [What Is a Title Search in Real Estate?](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-a-title-search-in-real-estate/): Title searches are historical searches that show all ownership and legal records associated with a property. - [Empowering Homebuyers: Success Stories from Our Team](https://www.newamericanfunding.com/learning-center/homebuyers/empowering-homebuyers-success-stories-from-our-team/): Using Federal Housing Administration (FHA) loans and FHA streamline refinancing, Monique helped Ericka and Pat secure their home. - [What Is a Bridge Loan?](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-a-bridge-loan/): Bridge loans are commonly used to finance the purchase of a new home while waiting for a current home to be sold. - [Condo vs. Townhouse: What's the Difference? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-the-difference-between-a-condo-and-a-townhouse/): Because they are often larger and more private, townhouses generally cost more than condos. This makes condos attractive to many first-time buyers. - [Innovative Solutions to Homeownership Disparities](https://www.newamericanfunding.com/learning-center/inclusive-lending/innovative-solutions-to-homeownership-disparities-a-close-up-on-new-american-fundings-strategies/): Addressing the homeownership disparities in the U.S. is essential for economic equity and social stability. Find out how NAF is helping close this gap. - [Contingent vs. Pending](https://www.newamericanfunding.com/learning-center/homebuyers/contingent-vs-pending/): The key difference is that a contingent offer is still waiting for outstanding requirements to be fulfilled before it can switch to pending status - [Shaping an Inclusive Housing Future | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/from-policy-to-practice-shaping-an-inclusive-future-for-homeownership/): Find out how past policies and practices created the homeownership gap and what the current ones are doing to create a more inclusive housing industry. - [House Hunting Checklist](https://www.newamericanfunding.com/learning-center/homebuyers/house-hunting-checklist/): This comprehensive house-hunting checklist will guide you every step of the way, helping you navigate this journey smoothly. - [Fees When Buying a Home: What to Expect](https://www.newamericanfunding.com/learning-center/homebuyers/fees-when-buying-a-home-what-to-expect/): Some of the most common fees you can expect when buying a home are the down payment, closing costs, appraisal fee, homeowners insurance, and inspection fee. - [Homeownership: A Pathway to Economic Stability](https://www.newamericanfunding.com/learning-center/homebuyers/homeownership-a-pathway-to-economic-stability/): Homeownership can be a pathway to economic stability. Find out the benefits of homeownership and why it matters for all communities. - [Have Rates Hit Their Highs?](https://www.newamericanfunding.com/learning-center/housing-news/have-rates-hit-their-highs/): After a series of rate hikes, many are wondering if we've finally reached the peak. - [Homeownership Myths in Diverse Communities | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/misconceptions-about-homeownership-in-diverse-communities/): There have been many misconceptions about diverse communities and homebuying. Find out the most common myths and the actual truths behind them. - [Construction Costs for Building & Remodeling | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/construction-costs-a-key-factor-in-new-home-building-and-remodeling-decisions/): The construction costs of building a new home has risen significantly in recent years due to the increasing cost of construction materials and labor. - [What Does Contingent Mean in Real Estate?](https://www.newamericanfunding.com/learning-center/homebuyers/what-does-contingent-mean-in-real-estate/): A contingent offer means that the buyer and seller have agreed to move forward as long as certain predetermined conditions are met. - [How the Fair Housing Act Combats Discrimination](https://www.newamericanfunding.com/learning-center/inclusive-lending/how-the-fair-housing-act-combats-discrimination/): There have been many laws and regulations developed to help promote fair housing and fair lending. Find out how the Fair Housing Act works and who it protects. - [How Much Does It Cost to Build a House?](https://www.newamericanfunding.com/learning-center/homebuyers/how-much-does-it-cost-to-build-a-house/): The cost to build a new home is generally estimated by square feet. Low-end to average new constructions will generally cost from $140 to $250 per square foot. - [How Redlining Still Affects Homeownership | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/the-lasting-effects-of-redlining-understanding-its-impact-on-todays-homeownership/): Redlining is a discriminatory practice that started in the 1930s. Find out its lasting impacts on homeownership and how it affects diverse communities. - [How to Overcome Home Affordability Challenges | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/home-affordability-how-to-overcome-financial-hurdles/): Learn how to overcome financial hurdles to afford a home by managing your credit, paying off your debts, and handling your debt-to-income ratio. - [How Younger Generations View Homeownership | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/co-buying-and-community-how-younger-generations-view-homeownership/): Throughout history and across various cultures home sharing has taken on many different forms. - [What Is an Escrow Analysis?](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-an-escrow-analysis/): An escrow analysis refund is a payment provided to a borrower from a mortgage servicer to give back excess funds in an account that were detected. - [How Much Is a Mortgage on a $400,000 Home?](https://www.newamericanfunding.com/learning-center/homebuyers/how-much-is-a-mortgage-on-a-400000-home/): How much your mortgage will be on a $400,000 home will depend on a variety of factors including your credit score, down payment amount, and loan type. - [Unexpected Rise in Treasury Rates](https://www.newamericanfunding.com/learning-center/housing-news/unexpected-rise-in-treasury-rates/): Welcome back to the Mortgage Rundown. - [Spring 2024 Housing Trends: Prices, Equity, and Impact](https://www.newamericanfunding.com/learning-center/housing-news/spring-2024-housing-trends-prices-equity-and-impact/): As we enter the bustling spring housing market, potential homebuyers face a common hurdle: sticker shock. - [HELOC vs. Home Equity Loan: Key Differences | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/heloc-vs-home-equity-loan-understanding-the-key-differences/): Two of the main options for refinancing a home are a home equity line of credit (HELOC) and a home equity loan. Find out which one might be right for your needs - [How Much is a Mortgage on a $300,000 House?](https://www.newamericanfunding.com/learning-center/homebuyers/how-much-is-a-mortgage-on-a-300000-house/): Knowing how much your mortgage would be on a $300,000 house depends on variables like your credit score, your DTI, and which home loan type you qualify for. - [How New Real Estate Commission Rules Could Affect First-Time Buyers](https://www.newamericanfunding.com/learning-center/homebuyers/how-new-real-estate-commission-rules-could-affect-first-time-buyers/): Buyers will now be responsible for agent commissions and those already scrimping to muster the initial down payment may have to come up with more upfront funds. - [Refinancing to Pay Off High-Interest Debt | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/tackling-high-interest-debt-the-power-of-mortgage-refinancing/): Refinancing your mortgage may be a way for you to consolidate and tackle your high-interest debt. Learn if refinancing can help you manage your debt. - [Mortgage Insurance Guide | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/understanding-mortgage-insurance-a-guide-for-homeowners/): Mortgage insurance is generally required when a borrower puts down less than 20% of a home's purchase price at closing. - [Mortgagor vs. Mortgagee: Key Differences | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/mortgagor-vs-mortgagee-understanding-the-key-differences/): The mortgagee is the bank or lending institution providing a home loan. The mortgagor is the person who wants to borrow funds from a financial institution. - [Our Commitment to Diversity and Community | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/embracing-diversity-new-american-fundings-commitment-to-mirroring-communities-we-serve/): In today's rapidly evolving nation, companies recognize the importance of diversity and inclusion in their workforce. Find out how NAF celebrates diversity. - [How Much Does It Cost to Refinance a Mortgage?](https://www.newamericanfunding.com/learning-center/homeowners/how-much-does-it-cost-to-refinance-a-mortgage/): Discover the true cost of refinancing your mortgage. Get expert advice and find the best rates. Learn how much it costs to refinance today! - [How Do You Refinance a House?](https://www.newamericanfunding.com/learning-center/homeowners/how-do-you-refinance-a-house/): Learn how to refinance your home and save money on mortgage payments. Our step-by-step guide makes refinancing easy. Start saving today! - [Mosi Gatling Breaks Barriers for Fair Housing Month](https://www.newamericanfunding.com/learning-center/inclusive-lending/mosi-gatling-breaks-barriers-for-fair-housing-month/): Embrace education and trusted partnerships to navigate homeownership, with Mosi Gatling's guidance for breaking down barriers during Fair Housing Month. - [The Fed Holds Rates Steady](https://www.newamericanfunding.com/learning-center/housing-news/the-fed-holds-rates-steady/): Welcome back to the Mortgage Rundown! Today, we delve into the recent FOMC meeting and its implications for interest rates in the coming months. - [Real Estate Market Forecast for Spring: Hot, Hot, Hot!](https://www.newamericanfunding.com/learning-center/housing-news/real-estate-market-forecast-for-spring-hot-hot-hot/): As we move through 2024, the real estate market shows no signs of slowing down. The market remains hot. - [Arkansas First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/arkansas-first-time-homebuyer-guide/): Thinking about buying a home in The Natural State but don't know where to begin? Read on to learn more about the benefits of buying a home in Arkansas. - [Are VA Loans Assumable?](https://www.newamericanfunding.com/learning-center/homebuyers/are-va-loans-assumable/): VA loans are assumable. Assuming a VA loan can come with many benefits including avoiding interest fluctuations in the market and not paying closing costs. - [7 Documents You Need When Applying for a Home Loan](https://www.newamericanfunding.com/learning-center/homebuyers/7-documents-you-need-when-applying-for-a-home-loan/): A credit report is a document required for a home loan application. It gives lenders a comprehensive overview of your credit history and payment history. - [FHA Loan Limits 2024: Guidelines & Requirements | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fha-loan-limits-2024-updated-guidelines-and-requirements/): Discover the latest FHA loan limits for 2024 and secure your dream home with ease. Don't miss out on these affordable financing options. Apply now! - [Escrow in Mortgages: What You Need to Know](https://www.newamericanfunding.com/learning-center/homebuyers/escrow-in-mortgages-what-you-need-to-know/): Escrow accounts are important in real estate transactions. Escrow accounts can be used to pay property taxes and homeowners insurance. - [FHA-Approved Condo](https://www.newamericanfunding.com/learning-center/homebuyers/fha-approved-condo/): If you're living in a bustling city or vibrant town and dreaming of owning your own home but have hurdles you're facing like low credit scores or limited saving - [Minnesota First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/minnesota-first-time-homebuyer-guide/): How much a first-time homebuyer has to put down on a home depends on the loan type and their unique financial profile in Minnesota. - [The Inflation Waiting Game](https://www.newamericanfunding.com/learning-center/housing-news/the-inflation-waiting-game/): Today we're talking about current interest rates, inflation trends, job market analysis, and the Federal Reserve predictions. - [How HUD is Serving the Underserved](https://www.newamericanfunding.com/learning-center/inclusive-lending/how-hud-is-serving-the-underserved/): The Department of Housing and Urban Development (HUD) helps fight discrimination in housing by adding more protections for historically underserved communities - [Women's History in Homebuying and The New Trailblazers](https://www.newamericanfunding.com/learning-center/inclusive-lending/womens-history-in-homebuying-and-the-new-trailblazers/): According to The Pew Research Center, single women-owned 58% of the nearly 35.2 million homes owned by unmarried Americans, while single men held 42%. - [Arizona First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/arizona-first-time-homebuyer-guide/): The minimum down payment a borrower may put down on a home in Arizona depends on the loan. - [Louisiana First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/louisiana-first-time-homebuyer-guide/): The minimum down payment a borrower may put down on a home in Louisiana depends on the loan. - [Illinois First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/illinois-first-time-homebuyer-guide/): Several loans may be available to first-time homebuyers that offer low or no down payments. These include FHA, VA, and USDA loans. - [Ohio First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/ohio-first-time-homebuyer-guide/): There are many down payment and closing costs assistance programs available to first-time homebuyers in Ohio. - [South Dakota First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/south-dakota-first-time-homebuyer-guide/): New American Funding offers an assistance program for first-time homebuyers called The Pathway to Homeownership in South Dakota. - [Alaska First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/alaska-first-time-homebuyer-guide/): The credit score needed by a first-time homebuyer in Alaska will depend on the loan type you are applying for as well as your financial situation. - [4 Key Qualities to Seek in a Mortgage Lender](https://www.newamericanfunding.com/learning-center/homebuyers/4-key-qualities-to-seek-in-a-mortgage-lender/): The 4 key qualities you should seek in a mortgage lender are empathy and flexibility in their service, professional expertise, and a diverse set of loan options - [Connecticut First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/connecticut-first-time-homebuyer-guide/): Connecticut has several first-time homebuyer programs available. They offer down payment assistance and homebuyer education courses and counseling. - [Delaware First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/delaware-first-time-homebuyer-guide/): New American Funding offers an assistance program for first-time homebuyers called The Pathway to Homeownership in Delware. - [How to Get Approved for a Home Loan](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-get-approved-for-a-home-loan/): You can increase your chances of getting approved for a home loan by raising your credit score, paying down debt, and working with an experienced loan officer. - [Hawaii First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/hawaii-first-time-homebuyer-guide/): The minimum down payment a borrower may put down on a home in Hawaii depends on the loan. - [Idaho First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/idaho-first-time-homebuyer-guide/): There are many down payment and closing costs assistance programs available to first-time homebuyers in Idaho. - [FHA Loans: Bridging the Racial Homeownership Gap](https://www.newamericanfunding.com/learning-center/guides/fha-loans-bridging-the-racial-homeownership-gap/): FHA loans are used by the Department of Housing to help more homebuyers get mortgages. Learn how these loans are helping bridge the racial homeowernship gap. - [Iowa First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/iowa-first-time-homebuyer-guide/): There are many down payment and closing costs assistance programs available to first-time homebuyers in Iowa. - [Kansas First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/kansas-first-time-homebuyer-guide/): How much a first-time homebuyer has to put down on a home depends on the loan type and their unique financial profile in Kansas. - [Kentucky First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/kentucky-first-time-homebuyer-guide/): If you're a first-time homebuyer in Kentucky, this guide will provide you with valuable information about loans, programs, and resources available. - [Maine First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/maine-first-time-homebuyer-guide/): The minimum down payment a borrower may put down on a home in Maine depends on the loan. - [Comparing Single-Family Homes vs. Condos](https://www.newamericanfunding.com/learning-center/homebuyers/comparing-single-family-homes-vs-condos/): Whether you want to choose a single-family home or a condo as you start your homebuying journey will depend on your unique needs and goals. - [Massachusetts First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/massachusetts-first-time-homebuyer-guide/): The credit score needed by a first-time homebuyer in Massachusetts will depend on the loan type you are applying for as well as your financial situation. - [Job Growth Exceeding Expectations](https://www.newamericanfunding.com/learning-center/housing-news/job-growth-exceeding-expectations/): In today's episode of the Mortgage Rundown, we discuss the surprising job growth in January and its impact on treasury rates. - [Is Now the Best Time for First-Time Homebuyers in 2024?](https://www.newamericanfunding.com/learning-center/housing-news/is-now-the-best-time-for-first-time-homebuyers-in-2024/): At the start of a new year, we are presented with fresh opportunities, and one important question in the housing realm is whether to buy or rent a home. - [First-Time Homebuyer Myths](https://www.newamericanfunding.com/learning-center/homebuyers/first-time-homebuyer-myths/): From the myth of the perfect home to the myth of buying a home alone, we'll cover it all and help you get on the path to homeownership. - [2024 Seller Incentives for a Faster Sale | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/offering-incentives-in-2024-could-help-your-home-sell-faster/): The real estate market today presents unique challenges and opportunities for sellers. Find out how offering incentives may help you sell your home faster. - [2024 Home Organization Tips | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/2024-the-year-to-organize-your-space-and-ace-your-real-estate-race/): In the real estate market of 2024, your home needs to make a big first impression. Decluttering and organizing your home sets the stage for potential homebuyers - [Missouri First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/missouri-first-time-homebuyer-guide/): The credit score needed by a first-time homebuyer in Missouri will depend on the loan type you are applying for as well as your financial situation. - [Creative Ways to Save for Homeownership](https://www.newamericanfunding.com/learning-center/homebuyers/creative-ways-to-save-for-homeownership/): The first step to saving for homeownership is to reduce your housing costs. Lowering costs will free up more money to put towards a down payment. - [2024 Condo Guide: Balancing Pros and Cons](https://www.newamericanfunding.com/learning-center/guides/2024-condo-guide-balancing-pros-and-cons/): Condos typically offer a more affordable entry into homeownership. Discover the pros and cons of owning a condo and learn whether it might be right for you. - [West Virginia First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/west-virginia-first-time-homebuyer-guide/): The minimum down payment a borrower may put down on a home in West Virginia depends on the loan. - [Honoring Black Leaders in Fair Housing | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/honoring-black-leaders-paving-the-way-to-fair-housing-during-black-history-month/): This Black History Month, learn more about the famous Black leaders who fought for fair housing during the civil rights movement and about their success. - [Mississippi First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/mississippi-first-time-homebuyer-guide/): Mississippi has several first-time homebuyer programs available. They offer down payment assistance and homebuyer education courses and counseling. - [Down Payment Assistance Programs | New American Funding](https://www.newamericanfunding.com/learning-center/guides/down-payment-assistance-programs-the-underused-solution-to-one-of-the-most-common-barriers-of-homeownership/): Down payment assistance is offered by various organizations, including government agencies, non-profits, and others. Find out more about DPA and how to use it. - [Alabama First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/alabama-first-time-homebuyer-guide/): There are many down payment and closing costs assistance programs available to first-time homebuyers in Alabama. - [Nevada First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/nevada-first-time-homebuyer-guide/): Nevada has several first-time homebuyer programs available. They offer down payment assistance and homebuyer education courses and counseling. - [Why Is a Co-Borrower Beneficial?](https://www.newamericanfunding.com/learning-center/homebuyers/why-is-a-co-borrower-beneficial/): A co-borrower can help improve your debt-to-income ratio (DTI). They can combine incomes, particularly if one has a higher salary and lower debt. - [Wisconsin First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/wisconsin-first-time-homebuyer-guide/): Wisconsin has several first-time homebuyer programs available. They offer down payment assistance and homebuyer education courses and counseling. - [Washington First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/washington-first-time-homebuyer-guide/): How much a first-time homebuyer has to put down on a home depends on the loan type and their unique financial profile in Washington. - [Who Should Hire a Real Estate Attorney? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/who-should-hire-a-real-estate-attorney-simplifying-the-process-for-homebuyers/): Your real estate attorney is your legal advocate and advisor, making sure that your home purchase is carefully reviewed and compliant with legal standards. - [Promising Signs for the 2024 Housing Market | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/promising-signs-for-the-housing-market-as-we-enter-2024/): Declining interest rates, a decrease in the time homes spend on the market. - [Rhode Island First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/rhode-island-first-time-homebuyer-guide/): Rhode Island has several first-time homebuyer programs available. They offer down payment assistance and homebuyer education courses and counseling. - [What You Need to Know About Bank-Owned Homes](https://www.newamericanfunding.com/learning-center/homebuyers/what-you-need-to-know-about-bank-owned-homes/): As we navigate the dynamic landscape of the 2024 real estate market, one thing to consider is the presence of bank-owned homes. - [The 411 on the FHA's 203(k) Loan Program](https://www.newamericanfunding.com/learning-center/homebuyers/the-411-on-the-fhas-203k-loan-program/): FHA 203(k) loans offer low down payments of 3.5% and the accommodation of credit scores starting at 580, though some lenders may seek 620-640. - [South Carolina First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/south-carolina-first-time-homebuyer-guide/): If you're a first-time homebuyer in South Carolina there are various loans and programs available to potentially help you buy a home. - [Buy vs. Rent in 2024: Pros and Cons | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/new-year-big-decision-should-you-buy-or-rent-in-2024-unveiling-the-pros-and-cons/): Buying or renting in 2024? Find out the pros and cons of both and decide if this year may be the right year for you to buy a home. - [Dr. Martin Luther King Jr. and His Impact on Housing](https://www.newamericanfunding.com/learning-center/inclusive-lending/dr-martin-luther-king-jr-and-his-impact-on-housing/): Every January, as Martin Luther King Jr. Day is observed. Find out how Dr. King fought for equity in housing and lending. - [Good News for Homebuyers: Lower Mortgage Rates and Homebuilder Confidence](https://www.newamericanfunding.com/learning-center/housing-news/good-news-for-homebuyers-lower-mortgage-rates-and-homebuilder-confidence/): Learn what home builder confidence means for the homebuying market. - [2024 Market Outlook: Rates, Jobs, and the Fed](https://www.newamericanfunding.com/learning-center/housing-news/2024-market-outlook-rates-jobs-and-the-fed/): Today we are diving into the latest insights on interest rate trends, Fed policy impacts, and market expectations for 2024. - [Knowing How Much You Can Spend on a House](https://www.newamericanfunding.com/learning-center/homebuyers/knowing-how-much-you-can-spend-on-a-house/): The interest rate for your home loan can significantly impact what kind of home you can afford. To qualify for a lower interest rate, improve your credit score. - [Hispanic Homeownership on the Rise - Infographic](https://www.newamericanfunding.com/learning-center/inclusive-lending/hispanic-homeownership-on-the-rise-infographic/): The landscape of American homeownership is witnessing a remarkable trend: the steady rise of Hispanic homeowners. - [Nebraska First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/nebraska-first-time-homebuyer-guide/): If you're a first-time homebuyer in Nebraska, many loans and programs may be available to help you buy a home. Find out which one might be right for your needs. - [How to Make an Offer on a Home in 2024](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-make-an-offer-on-a-home-in-2024/): An offer is a formal process where you put in writing how much you're willing to pay for the house. - [Cash-Out Refinance vs. HELOC: Which Is Right? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/cash-out-refinance-vs-home-equity-line-of-credit-choosing-the-right-one/): Unlike a traditional Cash-Out Refinance, which replaces the existing mortgage with a new one, a HELOC operates as a flexible credit line. - [Smart Home Loan Solutions for Retirement | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/embracing-retirement-smart-home-loan-solutions-from-new-american-funding/): New American Funding has loan options available to help you embrace your retirement. Read on to learn which options may be right for your needs. - [Montana First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/montana-first-time-homebuyer-guide/): If you're a first-time homebuyer in the state of Montana, there are many loans and programs available to you. - [HELOC vs. Second Mortgage: Which is Better?](https://www.newamericanfunding.com/learning-center/homeowners/heloc-vs-second-mortgage-which-is-better/): Two common ways of tapping into your home equity are a HELOC and a Second mortgage. Read our guide to find out which one might be right for your needs. - [Oklahoma First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/oklahoma-first-time-homebuyer-guide/): If you're a first-time homebuyer in the state of Oklahoma, various loans and programs may be available to you. - [New Mexico First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/new-mexico-first-time-homebuyer-guide/): If you're a first-time homebuyer in the state of New Mexico, there are many loans and programs available to you. - [New Jersey First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/new-jersey-first-time-homebuyer-guide/): If you're a first-time homebuyer in the state of New Jersey, there may be many loans and programs available to you. - [What Contingencies You Should Consider When Buying a Home](https://www.newamericanfunding.com/learning-center/homebuyers/what-contingencies-you-should-consider-when-buying-a-home/): A contingency is essentially a safety net within the agreement, detailing conditions under which the contract could be considered void. - [North Dakota First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/north-dakota-first-time-homebuyer-guide/): If you're a first-time homebuyer in North Dakota, read our comprehensive guide to learn what loans and programs may be available to help you buy a home. - [New Hampshire First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/new-hampshire-first-time-homebuyer-guide/): There are many loans and programs available for first-time homebuyers in the state of New Hampshire. - [Oregon First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/oregon-first-time-homebuyer-guide/): There are many loans and programs available to first-time homebuyers in the state of Oregon. - [All-Cash Offers in Real Estate: 2023 Guide | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-all-cash-offer-in-2023-a-strategic-move-in-real-estate/): Cash offers provide certainty and speed, often making them more attractive to sellers. - [Thank You for Your Service: 6 Advantages of VA Loans](https://www.newamericanfunding.com/learning-center/homebuyers/thank-you-for-your-service-6-advantages-of-va-loans/): VA home loans limit the amount of fees a lender may charge at closing, which can save you money. - [Homebuying Process: The People That Make It Happen](https://www.newamericanfunding.com/learning-center/homebuyers/homebuying-process-the-people-that-make-it-happen/): Buying a home is not only a huge milestone, but also a long process. There are multiple steps involved. - [Utah First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/utah-first-time-homebuyer-guide/): If you're a first-time homebuyer in Utah, check out our comprehensive guide to find out what loans and programs might be available to you. - [Why Spring Remains a Prime Time for Homebuying in 2024](https://www.newamericanfunding.com/learning-center/housing-news/why-spring-remains-a-prime-time-for-homebuying-in-2024/): As spring arrives in March 2024, it will be an opportune time for prospective homebuyers to consider entering the lively spring housing market. - [Top of the Roller Coaster](https://www.newamericanfunding.com/learning-center/housing-news/top-of-the-roller-coaster/): Interest rates have been dropping dramatically over the past month and a half due to the influence of the job market. - [Vermont First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/vermont-first-time-homebuyer-guide/): There are many loans and programs available to first-time homebuyers who want to buy their home in Vermont. - [Wyoming First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/wyoming-first-time-homebuyer-guide/): There are many loans and programs available for buyers in Wyoming. - [Tennessee First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/tennessee-first-time-homebuyer-guide/): Find out what loans and programs are available to first-time homebuyers who want to buy a home in Tennessee using our homebuyer guide. - [All About Home Inspections](https://www.newamericanfunding.com/learning-center/homebuyers/all-about-home-inspections/): A home inspection is an unbiased report made by a qualified third party on the physical condition of a house. They can cost anywhere from $200-$1,000. - [Michigan First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/michigan-first-time-homebuyer-guide/): If you're a first-time homebuyer in the state of Michigan, many loans and programs may be available to you. - [Indiana First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/indiana-first-time-homebuyer-guide/): If you're thinking of buying your first home in Indiana many loans and programs may be available to you. - [Georgia First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/georgia-first-time-homebuyer-guide/): If you are a first-time homebuyer in Georgia, check out our comprehensive guide to what programs and loans may be available to you. - [New York First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/new-york-first-time-homebuyer-guide/): If you are a first-time homebuyer looking to buy your dream home in New York, read our guide to learn what programs and loans may be available to help you. - [Maryland First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/maryland-first-time-homebuyer-guide/): If you're thinking about buying your first home in the Old Line State, know that there are a series of first-time buyer programs and mortgage options. - [Inflation Is Coming Down, When Will Rates Follow?](https://www.newamericanfunding.com/learning-center/homebuyers/inflation-is-coming-down-when-will-rates-follow/): We are back with another episode of the Mortgage Rundown! Today we're talking about what's happening with Interest Rates. - [Colorado First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/colorado-first-time-homebuyer-guide/): If you're a first-time homebuyer trying to buy your dream home in Colorado, this guide is for you. - [North Carolina First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/north-carolina-first-time-homebuyer-guide/): If buying a home in North Carolina is part of your American Dream, read our first-time homebuyer guide to learn what programs and loans may be available to you. - [Virginia First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/virginia-first-time-homebuyer-guide/): If you're a first-time homebuyer in Virginia, many loans and programs may be available to you. - [Pennsylvania First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/pennsylvania-first-time-homebuyer-guide/): If you're a first-time homebuyer whose dream home is in Pennsylvania our first-time homebuyer guide is for you. - [Celebrate Hispanic Heritage](https://www.newamericanfunding.com/learning-center/inclusive-lending/celebrate-hispanic-heritage/): Read about the history of Hispanic Heritage Month, the importance of community, and see the impact of Hispanic leadership. - [Impatiently Waiting](https://www.newamericanfunding.com/learning-center/housing-news/impatiently-waiting/): We'll dive deep into the current state of interest rates, the Fed's recent policy decisions, and what the future may hold for rates in the remainder of 2024. - [Inflation Trends, Mortgage Rates and Predictions](https://www.newamericanfunding.com/learning-center/housing-news/inflation-trends-mortgage-rates-and-predictions/): Stay ahead of the curve as we navigate the complexities of the capital markets and the ever-evolving world of inflation. - [Renting vs. Buying a Home: Which is Right for You?](https://www.newamericanfunding.com/learning-center/homebuyers/renting-vs-buying-a-home-which-is-right-for-you/): The choice to rent or buy a home depends on your circumstances and goals. Renting offers flexibility, but it doesn't build equity. - [Florida First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/florida-first-time-homebuyer-guide/): If you're a first-time homebuyer who dreams of owning a home in Florida, this guide might be for you. - [Pros and Cons of Buying a Condo](https://www.newamericanfunding.com/learning-center/homebuyers/pros-and-cons-of-buying-a-condo/): Condos offer many buyers an opportunity to live in a location they might not otherwise be able to without sacrificing convenience or their preferred lifestyle. - [Texas First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/texas-first-time-homebuyer-guide/): Find out what programs and resources are available to you as a first-time homebuyer in Texas with this first-time homebuyer guide from New American Funding. - [California First-Time Homebuyer Guide 2026](https://www.newamericanfunding.com/learning-center/guides/california-first-time-homebuyer-guide/): Learn about buying a home in California as a first-time homebuyer. Find out what programs and loans might be available. - [Second-Tier VA Loan: What It Is and Who Qualifies](https://www.newamericanfunding.com/learning-center/homebuyers/second-tier-va-loan-what-it-is-and-who-qualifies/): It’s possible to use the last of your remaining entitlement from your first VA loan to take out a second VA loan. - [Have Rates Hit Their Peak?](https://www.newamericanfunding.com/learning-center/housing-news/have-rates-hit-their-peak/): Today, we delve deep into the current state of Interest Rates, which have soared to their highest in 16 years. - [Refinancing Your Home in Texas: A Guide | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/refinancing-your-home-in-texas-what-you-need-to-know/): Find out what you need to know about refinancing your home in Texas and discover whether it could be the right choice for your needs. - [10 Reverse Mortgage Myths and Misconceptions](https://www.newamericanfunding.com/learning-center/homeowners/10-reverse-mortgage-myths-and-misconceptions/): There are some common misconceptions about Reverse mortgages. Explore the myths and find out if a Reverse mortgage might be right for you. - [How to Buy a House in California with Low Income](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-buy-a-house-in-california-with-low-income/): Opportunities include mortgage programs, down payment assistance programs, state assistance programs, local programs, and government-backed loans. - [Preventing a Second Inflation Wave](https://www.newamericanfunding.com/learning-center/housing-news/preventing-a-second-inflation-wave/): Welcome back to the Mortgage Rundown. Another month of inflation decline has rolled by. - [How to Buy a House in New Jersey with Low Income](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-buy-a-house-in-new-jersey-with-low-income/): Buying a home in New Jersey with low income may be possible with certain loan types, down payment assistance, and various homebuying programs. - [Do You Pay Taxes On Cash-Out Refinance?](https://www.newamericanfunding.com/learning-center/homeowners/do-you-pay-taxes-on-cash-out-refinance/): The short answer is no; the money you receive from a Cash-Out Refinance is not taxable. However, there are certain circumstances under which you could be liable - [How to Get Rid of Private Mortgage Insurance](https://www.newamericanfunding.com/learning-center/homeowners/how-to-get-rid-of-private-mortgage-insurance/): Private mortgage insurance is often required by lenders for certain loans. Learn about PMI and find out when and how you can get rid of it. - [USDA vs. FHA Home Loans](https://www.newamericanfunding.com/learning-center/homebuyers/usda-vs-fha-home-loans/): FHA and USDA loans have similar structures, but different requirements. Find out which loan type is offered by New American Funding. - [FHA vs. Conventional Loans: Key Differences](https://www.newamericanfunding.com/learning-center/homebuyers/fha-vs-conventional-loans-key-differences/): FHA loans can have a DTI of as much as 57% depending on the circumstances, vs Conventional loans where the maximum DTI is 45%. - [Low-Income Housing in San Antonio, Texas](https://www.newamericanfunding.com/learning-center/homebuyers/low-income-housing-in-san-antonio-texas/): There are many options in San Antonio to help low-income buyers find and afford housing. Explore affordable housing programs and low-income-friendly loans. - [How Does a Home Renovation Loan Work?](https://www.newamericanfunding.com/learning-center/homebuyers/how-does-a-home-renovation-loan-work/): A Renovation loan is a unique financial solution that caters to homeowners looking to make significant improvements to their properties. - [Perhaps Higher for Longer](https://www.newamericanfunding.com/learning-center/housing-news/perhaps-higher-for-longer/): Welcome back to the Mortgage Rundown. Today we are going to talk about what's happening with interest rates. - [Affordable Housing Programs in Charlotte, NC](https://www.newamericanfunding.com/learning-center/homebuyers/affordable-housing-programs-in-charlotte-nc/): Find out more about affordable housing programs in Charlotte, NC, and explore various home loans offered by New American Funding. - [Is 2023 a Good Year to Buy a House?](https://www.newamericanfunding.com/learning-center/homebuyers/is-2023-a-good-year-to-buy-a-house/): Explore the 2023 housing market. Learn the advantages and disadvantages of the 2023 housing market - [Using an FHA Loan to Buy a Foreclosure](https://www.newamericanfunding.com/learning-center/homebuyers/using-an-fha-loan-to-buy-a-foreclosure/): Find out how you can use an FHA loan to buy a foreclosed home. Explore the pros and cons and learn more about which home loans may be right for you. - [VA Cash-Out Refinance](https://www.newamericanfunding.com/learning-center/homebuyers/va-cash-out-refinance/): Veterans with good credit may qualify for a Cash-Out Refinance loan from the Department of Veterans Affairs. See if you qualify today with New American Funding! - [VA Restoration of Entitlement](https://www.newamericanfunding.com/learning-center/homebuyers/va-restoration-of-entitlement/): If you have full entitlement then you do not have to pay a down payment at all and the VA will guarantee up to 25% of the loan amount. - [Ways to Pay Off Your House Early](https://www.newamericanfunding.com/learning-center/homeowners/ways-to-pay-off-your-house-early/): Learn about the ways you might be able to pay off your mortgage early and find out if doing so aligns with your unique life goals. - [First-Time Homebuyer Expenses](https://www.newamericanfunding.com/learning-center/homebuyers/first-time-homebuyer-expenses/): The down payment is the largest upfront expense you will incur as a first-time homebuyer. Down payments are calculated as a percentage of the home’s value. - [Inflation Is Sticky](https://www.newamericanfunding.com/learning-center/housing-news/inflation-is-sticky/): Is inflation still running high or have the FOMC moves over the past year finally pushed inflation downwards? - [Cinco De Mayo: A Celebration of Mexican Heritage](https://www.newamericanfunding.com/learning-center/inclusive-lending/cinco-de-mayo-a-celebration-of-mexican-heritage/): Learn about the rich and dynamic history of the Mexican-American holiday, Cinco De Mayo and how our CEO and Co-Founder Patty Arvielo embraces her dual heritage. - [One-Time Close Loans Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/build-and-finance-your-dream-home-with-a-one-time-close-loan/): A One-Time Close Loan, in some cases, is a more simplified process - borrowers only have to go through one loan application and one closing instead of two. - [The Top of Fed Funds Mountain](https://www.newamericanfunding.com/learning-center/housing-news/the-top-of-fed-funds-mountain/): Higher interest rates are still the name of the game as the FOMC continues to battle stubbornly high inflation. - [The Importance of Financial Literacy](https://www.newamericanfunding.com/learning-center/homebuyers/the-importance-of-financial-literacy/): Why financial literacy is important and how certain knowledge, tools, and skills can help us navigate our financial environment. - [How to Buy Your First Home Without a Down Payment](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-buy-your-first-home-without-a-down-payment/): You may be able to buy your first home without a down payment by using certain loan options like VA or USDA loans or qualifying for down payment assistance. - [New American Funding Empowers Fair Housing](https://www.newamericanfunding.com/learning-center/inclusive-lending/new-american-funding-empowers-fair-housing/): Fair lending practices helps individuals and their families for generations to come. Find out what NAF is doing to empower fair housing for diverse communities. - [First-Time Homebuyer Guide for Low Income Buyers](https://www.newamericanfunding.com/learning-center/guides/first-time-homebuyer-guide-for-low-income-buyers/): Buying your first home with lower income can be challenging. Find out what resources and programs are available and learn which ones might be right for you. - [How to Get an FHA Loan with Lower Credit](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-get-an-fha-loan-with-lower-credit/): If you are a homebuyer with little to no credit history, a government-backed FHA loan may be able to quickly and easily help you buy a house. - [Inflations Long Descent](https://www.newamericanfunding.com/learning-center/housing-news/inflations-long-descent/): After one year since the Fed's campaign to slow the economy down began, the FOMC has now raised its overnight rate by 4.5% - [When Will Mortgage Rates Go Down in 2024?](https://www.newamericanfunding.com/learning-center/housing-news/when-will-mortgage-rates-go-down-in-2024/): In 2024, as prospective buyers and current homeowners watch the market, the constant question is: When will mortgage rates go down? - [Can You Take an IRA Withdrawal to Pay for a Home?](https://www.newamericanfunding.com/learning-center/homebuyers/can-you-take-an-ira-withdrawal-to-pay-for-a-home/): Both traditional and Roth IRAs make an early withdrawal exception for first-time homebuyers under the age of 59 and with a lifetime limit of $10,000. - [Understanding FHA Mortgage Insurance Requirements](https://www.newamericanfunding.com/learning-center/homebuyers/understanding-fha-mortgage-insurance-requirements/): Another way to do away with FHA mortgage insurance is to refinance the FHA loan as a Conventional mortgage. - [Not So Fast](https://www.newamericanfunding.com/learning-center/housing-news/not-so-fast/): 2023 is off to a fast start and last week was quite an eventful one to say the least. - [Some Turbulence Before Landing](https://www.newamericanfunding.com/learning-center/housing-news/some-turbulence-before-landing/): Even though inflation is coming down and calming the market to a decent degree, it will take several more months until it's close to the Fed's target rate. - [Have Interest Rates Reached Their Peak?](https://www.newamericanfunding.com/learning-center/housing-news/have-interest-rates-reached-their-peak/): Last week was a huge week for the market with the Federal Reserve leaving rates unchanged and inflation continuing to fall. - [The Interest Rate Rollercoaster](https://www.newamericanfunding.com/learning-center/housing-news/the-interest-rate-rollercoaster/): Welcome back to the Mortgage Rundown. We are currently witnessing one of the most volatile interest rate markets in history. - [A Spooky Mortgage Rundown of 2022](https://www.newamericanfunding.com/learning-center/housing-news/a-spooky-mortgage-rundown-of-2022/): 2022 has truly been a spooky year to remember, and hopefully higher rates don't impact the housing market negatively in the remaining couple months. - [Are Mortgage Rates at Their Peak?](https://www.newamericanfunding.com/learning-center/housing-news/are-mortgage-rates-at-their-peak/): It's safe to say that the market has fully baked in the Fed's intentions over the next 3-4 months. - [How Could the Forgiveness of Student Loans Affect Homeownership?](https://www.newamericanfunding.com/learning-center/housing-news/how-could-the-forgiveness-of-student-loans-affect-homeownership/): Buying a home is like many dreams, it requires planning, foresight, and hard work. - [The Bullish Fed of 2022](https://www.newamericanfunding.com/learning-center/housing-news/the-bullish-fed-of-2022/): We are one week away from one of the most important FOMC meetings of the past decade. - [The 2023 Interest Rate Outlook Gets More Clarity](https://www.newamericanfunding.com/learning-center/housing-news/the-2023-interest-rate-outlook-gets-more-clarity/): While we can expect the Federal Reserve to keep raising interest rates for the rest of 2022, let's explore what we might see happen in 2023. - [A Total Reversal by the Fed?](https://www.newamericanfunding.com/learning-center/housing-news/a-total-reversal-by-the-fed/): If you were somewhat confused by the sudden drop in interest rates this past week after the Fed raised their benchmark rate, you are not alone. - [Where Are Rates Headed?](https://www.newamericanfunding.com/learning-center/housing-news/where-are-rates-headed/): With all the recent action by the Fed, it begs the questions, how high will mortgage rates actually go? - [Is Inflation Under Control?](https://www.newamericanfunding.com/learning-center/housing-news/is-inflation-under-control/): By now you've probably heard that the FOMC raised interest rates 75bps this week. - [Are Rates Finally Leveling Off?](https://www.newamericanfunding.com/learning-center/housing-news/are-rates-finally-leveling-off/): Welcome back to another episode of the Mortgage Rundown with Jason Obradovich. Can it be true? Have interest rates finally leveled off? - [Conventional 97 Loans: Qualifications & More | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/conventional-97-loans-in-2022-qualifications-description-and-more/): Learn about Conventional 97 loans in 2022. Get details, 97% loan-to-value loan options, qualification information, and more from New American Funding. - [Don't Fight the Fed, Part 2](https://www.newamericanfunding.com/learning-center/housing-news/dont-fight-the-fed-part-2/): Jason Obradovich is back again with another episode of the #MortgageRundown. Since September of last year, rates have been steadily rising. - [Win Bidding Wars with NAF Cash | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/tired-of-losing-bidding-wars-to-cash-buyers-naf-cash-is-the-solution/): NAF Cash will buy a homebuyer's chosen home with cash and then sell it to the borrower with financing provided by a New American Funding mortgage. - [Don't Fight the Fed](https://www.newamericanfunding.com/learning-center/housing-news/dont-fight-the-fed/): We are back with another episode of the #MortgageRundown with Jason Obradovich. - [7 Quick and Easy Tips for Staging Your Home for Sale](https://www.newamericanfunding.com/learning-center/homeowners/7-quick-and-easy-tips-for-staging-your-home-for-sale/): One of the most important tasks when it comes to staging your home involves cleaning and decluttering. - [Pain at the Pump](https://www.newamericanfunding.com/learning-center/housing-news/pain-at-the-pump/): We are back with another #MortgageRundown with Jason Obradovich. - [Qualified vs. Non-Qualified Mortgages | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/qualified-vs-non-qualified-mortgage-loans-whats-the-difference/): A difference between a QM loan and a Non-QM loan is that a Non-QM loan uses alternative methods of income verification to help the borrower get loan approval. - [How Credit Scores Affect Mortgage Rates | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/credit-tips-why-does-your-credit-score-matter-for-mortgage-rates/): Your mortgage lender will look at your credit history when deciding your mortgage rates. With a higher credit score you may be able to get a lower interest rate - [Condo vs. Apartment: Which Is Better for You?](https://www.newamericanfunding.com/learning-center/homebuyers/condo-vs-apartment-which-is-better-for-you/): When you buy a condo, you could potentially build equity over time. As you pay more money into the property, you are building equity in that property. - [Waiting for March 16th](https://www.newamericanfunding.com/learning-center/housing-news/waiting-for-march-16th/): Jason Obradovich is back with another episode of the Mortgage Rundown. Today, inflation is the name of the game. - [What Is a HELOC and How Can It Help? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/what-is-a-home-equity-line-of-credit-and-how-can-it-help-me/): Sometimes you need some extra cash—find out if a home equity line of credit may be able to help you consolidate debt or pay for larger expenses like tuition. - [Tips for Improving Your Credit Score](https://www.newamericanfunding.com/learning-center/homebuyers/tips-for-improving-your-credit-score/): Your credit score has a significant impact on your mortgage. You can improve your score by checking your report and paying down your debt as soon as possible. - [A More Hawkish Tone](https://www.newamericanfunding.com/learning-center/housing-news/a-more-hawkish-tone/): Jason Obradovich is back with the first episode of the #MortgageRundown in 2022! - [What Is Home Equity?](https://www.newamericanfunding.com/learning-center/homeowners/what-is-home-equity/): When it comes to home loans, you've probably heard the term 'equity.' Learn how you gain equity in your home, how to calculate it, and what it can be used for. - [How to Read a Loan Estimate](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-read-a-loan-estimate/): A Loan Estimate is a document prepared by a lender based on your personal information and tailored to your unique situation. - [How a New Job Affects Getting a Mortgage](https://www.newamericanfunding.com/learning-center/homebuyers/how-a-new-job-affects-getting-a-mortgage/): A new job doesn't mean an automatic "no" from mortgage companies. In fact, in many cases, getting a new job will not stand in the way of getting a mortgage. - [10 of the Most Affordable Cities to Buy a Home in 2022](https://www.newamericanfunding.com/learning-center/housing-news/10-of-the-most-affordable-cities-to-buy-a-home-in-2022/): When you decide to buy an affordable home, there are several key considerations. So what are the most affordable cities to buy a home? - [DTI and What it Means](https://www.newamericanfunding.com/learning-center/homebuyers/dti-and-what-it-means/): A low DTI ratio indicates a good balance between debt and income. Often, the lower your DTI is, the more likely you are to get the loan amount you want. - [Inflation Is No Longer Transitory](https://www.newamericanfunding.com/learning-center/housing-news/inflation-is-no-longer-transitory/): Jason Obradovich is back with the last episode of the Mortgage Rundown for 2021! In the recent FOMC meeting, the Fed decided not to change #InterestRates. - [What Are the Types of Fixed-Rate Mortgages?](https://www.newamericanfunding.com/learning-center/homebuyers/what-are-the-types-of-fixed-rate-mortgages/): The two most prevalent fixed-rate mortgages are the 30-year fixed-rate mortgage, where the loan is paid off after 30 years, and the 15-year fixed-rate mortgage. - [Home Prices Haven't Risen This Fast in 45 Years](https://www.newamericanfunding.com/learning-center/housing-news/home-prices-havent-risen-this-fast-in-45-years/): House prices are rising quickly, and have been for quite some time. This much is known. - [New Homes Are Getting Larger | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/new-homes-are-getting-larger-to-accommodate-the-new-normal/): It's clear that the pandemic drove a change in how people used their houses, with more people using their houses as their offices, home gyms, and more. - [Here are 2022's Top Housing Markets](https://www.newamericanfunding.com/learning-center/housing-news/here-are-2022s-top-housing-markets/): As the year comes to a close, it's time to look ahead to what will happen in real estate next year. - [What is an Energy Efficient Mortgage?](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-an-energy-efficient-mortgage/): An Energy Efficient Mortgage is used to finance a home that is either already energy-efficient or an existing property that needs energy improvements. - [Existing Home Sales on Track for Best Year Since 2006](https://www.newamericanfunding.com/learning-center/housing-news/existing-home-sales-on-track-for-best-year-since-2006/): The latest data showed that existing home sales have risen in four of the last five months. Now, a new report shows that home sales are likely to continue incre - [Mortgage Lending Falling Back from Historic Highs](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-lending-falling-back-from-historic-highs/): The first quarter of this year was the best quarter for the mortgage lending industry in 20 years. - [FHA Loan Limits Increasing in 2022](https://www.newamericanfunding.com/learning-center/homebuyers/fha-loan-limits-increasing-in-2022/): Thanks to home prices rising by more than 18% over the last year, the Federal Housing Administration loan limit will increase for almost the entire country. - [Pre-Approved Mortgage or Pre-Qualified](https://www.newamericanfunding.com/learning-center/homebuyers/pre-approved-mortgage-or-pre-qualified/): `A pre-qualification is an estimate from a mortgage company about roughly how much home you'd be able to afford based on your financial situation. - [Fannie Mae & Freddie Mac Loan Limits Rise | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fannie-mae-freddie-mac-increase-loan-limits-for-sixth-straight-year/): For the sixth year in a row, the maximum conforming loan limits on mortgages to be acquired by Fannie Mae and Freddie Mac are set to increase. - [Rising Prices Continue Giving Homeowners More Equity](https://www.newamericanfunding.com/learning-center/housing-news/rising-prices-continue-giving-homeowners-more-equity/): The financial benefits of owning a home continued to grow in the third quarter, as rising home prices boosted the equity that many homeowners hold. - [Existing Home Sales Rise for Second Month in a Row](https://www.newamericanfunding.com/learning-center/housing-news/existing-home-sales-rise-for-second-month-in-a-row/): After falling for four straight months earlier this year, existing home sales have now risen in four of the last five months. - [When Should I Lock in My Mortgage Rate?](https://www.newamericanfunding.com/learning-center/homebuyers/when-should-i-lock-in-my-mortgage-rate/): Locking in a mortgage rate simply means that you and your lender have agreed to a certain interest rate that is "locked in" at that figure for a defined time. - [Housing Starts Slowed in October as Supply Chain Issues Persist](https://www.newamericanfunding.com/learning-center/housing-news/housing-starts-slowed-in-october-as-supply-chain-issues-persist/): Construction of new single-family homes is up in 2021 compared to last year, but a new report shows that construction could be even higher than it is now. - [Demand for New Homes Bounces Back](https://www.newamericanfunding.com/learning-center/housing-news/demand-for-new-homes-bounces-back/): Back in August, the demand for new homes rose for the first time since March. The increase was short-lived as demand then fell in September. - [FHA Health Renews Calls for Mortgage Insurance Cuts | New American Fun](https://www.newamericanfunding.com/learning-center/housing-news/health-of-fha-renews-calls-for-mortgage-insurance-premium-cuts/): For the fourth year in a row, the health of the Federal Housing Administration's flagship insurance has substantially improved. - [VA Loans in 2021](https://www.newamericanfunding.com/learning-center/homebuyers/va-loans-in-2021/): According to the VA, with this change, VA borrowers may now take out "no-down payment VA-guaranteed home loans in all areas of the country, regardless of prices - [Getting a Mortgage Got a Little Easier for the Fourth Month in a Row](https://www.newamericanfunding.com/learning-center/housing-news/getting-a-mortgage-got-a-little-easier-for-the-fourth-month-in-a-row/): For the fourth straight month, newly released data shows that mortgage credit availability increased in October. - [House Prices Still Rising, But Not Quite as Fast](https://www.newamericanfunding.com/learning-center/housing-news/house-prices-still-rising-but-not-quite-as-fast/): Depending on whether you are a homeowner or homebuyer, consistently rising house prices could be a good thing or a not-quite-as-good thing. - [Refinance Share of Mortgage Market Keeps Shrinking](https://www.newamericanfunding.com/learning-center/housing-news/refinance-share-of-mortgage-market-keeps-shrinking/): A common theme in the mortgage market over the last few months has been the number of refinances decreasing. - [What Are Government-Insured Mortgages?](https://www.newamericanfunding.com/learning-center/homebuyers/what-are-government-insured-mortgages/): The purpose of the government backing loans is to ensure that certain borrowers who may not be able to obtain a Conventional mortgage for various reasons. - [Transitory Inflation](https://www.newamericanfunding.com/learning-center/housing-news/transitory-inflation/): We are back with another episode of the Mortgage Rundown with Jason Obradovich. Today we are going to be talking about interest rates and inflation. - [New Home Demand Fell Back in September](https://www.newamericanfunding.com/learning-center/housing-news/new-home-demand-fell-back-in-september/): August saw the demand for new homes rise for the first time since March. However, it looks like August's increase may have been an outlier. - [Texas Home Sales Slowing for First Time in More Than a Year](https://www.newamericanfunding.com/learning-center/housing-news/texas-home-sales-slowing-for-first-time-in-more-than-a-year/): The Texas housing market has been incredibly hot over the last two years thanks to the flood of people migrating to the state from all over the country. - [Shift Towards Purchase Market Continuing](https://www.newamericanfunding.com/learning-center/housing-news/shift-towards-purchase-market-continuing/): For most of the last two years, the mortgage market has been dominated by refinances thanks to persistently low interest rates. - [New Home Sales Jump to Six-Month High](https://www.newamericanfunding.com/learning-center/housing-news/new-home-sales-jump-to-six-month-high/): Over the last few months, new home sales have stemmed the tide that saw sales decline in April, May, and June. - [House Prices Continue Rising to New Record Levels](https://www.newamericanfunding.com/learning-center/housing-news/house-prices-continue-rising-to-new-record-levels/): It was much the same song when it came to home prices in August; they just keep going up and up and up. - [Home Sales May Slow a Bit as Winter Approaches](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-may-slow-a-bit-as-winter-approaches/): Traditionally, home sales tend to cool off as the calendar reaches the winter months, with some homebuyers and sellers focusing on the holidays. - [7 Tips to Save for a House](https://www.newamericanfunding.com/learning-center/homebuyers/7-tips-to-save-for-a-house/): There are several tips you can use to save for a house. They include, setting a budget, penny-pinching, starting a side job, and temporarily reducing retirement - [New Home Construction Held Steady in September](https://www.newamericanfunding.com/learning-center/housing-news/new-home-construction-held-steady-in-september/): For a housing market in need of more new homes going up for sale, relief may be on the way as a new report shows. - [Existing Home Sales Rebounded in September](https://www.newamericanfunding.com/learning-center/housing-news/existing-home-sales-rebounded-in-september/): Existing home sales are on a bit of a rollercoaster right now, having fallen for four straight months, climbed in June and July, then retreating in August. - [Fannie Mae, Freddie Mac Refinance Program | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/fannie-mae-freddie-mac-expanding-new-refinance-program/): Earlier this year, Fannie Mae and Freddie Mac announced new refinance programs targeted at lower-income borrowers. - [Persistent Inflation Remains](https://www.newamericanfunding.com/learning-center/housing-news/persistent-inflation-remains/): We are BACK with another #MortgageRundown. Today we're talking about, you guessed it, interest rates and inflation. So what's going on? - [How to Catch Up on Missed Mortgage Payments | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/how-to-get-back-on-track-if-you-fall-behind-on-your-mortgage/): Find out what your options are if you begin to fall behind on your mortgage payments. Owners can refinance or use other tools to get back on track. - [Mortgage Credit Availability Increases for Third Straight Month](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-credit-availability-increases-for-third-straight-month/): Those seeking a mortgage found it was a little easier to get in September than it was in August. - [Mortgage Activity Shifts Back Towards Purchase Market](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-activity-shifts-back-towards-purchase-market/): For most of the year, the mortgage market has been much more focused on purchase lending than refinances. - [Idaho Continues to Have the Nation's Hottest Housing Markets](https://www.newamericanfunding.com/learning-center/housing-news/idaho-continues-to-have-the-nations-hottest-housing-markets/): For the last several months, some of the hottest housing markets in the country have been in Idaho. That trend looks set to continue for the next year. - [Acceptable Down Payment Sources for a Mortgage](https://www.newamericanfunding.com/learning-center/homebuyers/acceptable-down-payment-sources-for-a-mortgage/): VA loans require zero down payment. Also, if you qualify for an FHA loan, down payments can be as little as 3.5%. - [Homebuyers' Good Vibes Fade a Bit as Prices Rise](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-good-vibes-fade-a-bit-as-prices-rise/): Last month, it appeared that housing market conditions were improving slightly, giving homebuyers some optimism about securing their dream homes. - [More Evidence That Now is the Best Time to Buy a House](https://www.newamericanfunding.com/learning-center/housing-news/more-evidence-that-now-is-the-best-time-to-buy-a-house/): A recent report from Realtor.com showed that the best time to buy a house is between September 12 and October 17. - [California Home Sales Set to Hit Five-Year High](https://www.newamericanfunding.com/learning-center/housing-news/california-home-sales-set-to-hit-five-year-high/): The housing market in California over the summer was arguably hotter than it's ever been, with homes flying off the market at record prices. - [How Long Does Transitory Last?](https://www.newamericanfunding.com/learning-center/housing-news/how-long-does-transitory-last/): We are BACK with another #MortgageRundown. Today we're talking about what's happening in the capital markets. - [What to Know About Closing on a Home](https://www.newamericanfunding.com/learning-center/housing-news/what-to-know-about-closing-on-a-home/): From the buyer and the seller to the Real Estate Agent and the Loan Officer, closing on a home has different implications for different individuals. - [New Home Sales Continued Improving in August](https://www.newamericanfunding.com/learning-center/housing-news/new-home-sales-continued-improving-in-august/): It appears that new home sales have fully shaken off the period of declines that saw sales drop in April, May, and June. - [House Prices Still Rising at Record Pace](https://www.newamericanfunding.com/learning-center/housing-news/house-prices-still-rising-at-record-pace/): Those looking for a change of pace in home prices are out of luck, as it's much the same as it has been for many months now. - [Home Sales Look Poised to Bounce Back Big-Time](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-look-poised-to-bounce-back-big-time/): Based on the most recent data, it looked like home sales were set to slow a bit as the weather cooled off. Then August happened. - [5 Reasons to Buy a Home Now](https://www.newamericanfunding.com/learning-center/homebuyers/5-reasons-to-buy-a-home-now/): Five reasons to buy a home now include historically low interest rates, increases in inventory, and the ability to begin building equity. - [New Home Demand Rises for First Time Since March](https://www.newamericanfunding.com/learning-center/housing-news/new-home-demand-rises-for-first-time-since-march/): With inventory for existing homes consistently running well behind historical norms, homebuyers are increasingly pivoting to buying a newly built home instead. - [Existing Home Sales Reverse Course, Retreat in August](https://www.newamericanfunding.com/learning-center/housing-news/existing-home-sales-reverse-course-retreat-in-august/): Existing home sales have been on a bit of an upswing of late, climbing in both June and July thanks to modest increases in available inventory. - [Fannie Mae, Freddie Mac Remove Limits on Second Homes, Investment Properties](https://www.newamericanfunding.com/learning-center/housing-news/fannie-mae-freddie-mac-remove-limits-on-second-homes-investment-properties/): Earlier this year, Fannie Mae and Freddie Mac enacted new policies. - [DIY Projects to Increase Your Home's Value](https://www.newamericanfunding.com/learning-center/homeowners/diy-projects-to-increase-your-homes-value/): Either way, patching up those small holes and scratches and adding a new coat of paint can go a long way to improving your home's appeal to buyers. - [When Should I Sell My Vacation Home?](https://www.newamericanfunding.com/learning-center/homeowners/when-should-i-sell-my-vacation-home/): The best month to sell investment or vacation homes depends on where the home is located. Find out what goes into selling a vacation home. - [Cash-Out Refinances Drive Mortgage Activity | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/mortgage-activity-continues-to-increase-driven-by-cash-out-refinances/): A recent report showed that cash-out refinances hit a 15-year high in the second quarter. That trend shows no signs of slowing down. - [Interest in Buying a Home Rises to Highest Level Since April](https://www.newamericanfunding.com/learning-center/housing-news/interest-in-buying-a-home-rises-to-highest-level-since-april/): With prospective buyers finding relief with increased inventory, interest rates are at the highest level in four months. - [The Best Time to Buy a Home May Be Right Now](https://www.newamericanfunding.com/learning-center/housing-news/the-best-time-to-buy-a-home-may-be-right-now/): It appears there may be an answer to the eternal question of 'When is the best time to buy a home?'. As it turns out, the answer may be right now. - [11 Things to Do Before Buying a House](https://www.newamericanfunding.com/learning-center/homeowners/11-things-to-do-before-buying-a-house/): In addition to your down payment, it's good to be aware of one-time fees such as closing costs, moving costs, appraisal and home inspection fees and other thing - [Mortgage Credit Becoming More Available](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-credit-becoming-more-available/): Newly released data shows that mortgage credit availability increased in August, meaning it got a little easier to get a mortgage last month. - [Homebuyers Starting to Feel a Little Better About the Housing Market](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-starting-to-feel-a-little-better-about-the-housing-market/): With available inventory slowly increasing and the bidding wars seemingly beginning to dissipate, prospective homebuyers are starting to feel relief. - [Cash-Out Refinances Just Hit a 15-Year High](https://www.newamericanfunding.com/learning-center/housing-news/cash-out-refinances-just-hit-a-15-year-high/): In large part due to the consistent rise in home prices, homeowners are tapping into their growing home equity more often than they have in more than a decade. - [6 Steps to Getting the Home You Want | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/before-you-bid-6-steps-to-getting-the-house-you-want/): You may be able to get the house you want by taking steps like getting preapproved for a loan and working with the right real estate agent. - [House Prices Continue to Climb](https://www.newamericanfunding.com/learning-center/housing-news/house-prices-continue-to-climb/): It's the same song, different verse when it comes to home prices these days. They keep going up and up and up. - [More Homes Are Hitting the Market](https://www.newamericanfunding.com/learning-center/housing-news/more-homes-are-hitting-the-market/): There's much-needed relief on the way for beleaguered home shoppers who are having difficulty finding the home of their dreams. - [Housing Market Frenzy May Be Calming Down](https://www.newamericanfunding.com/learning-center/housing-news/housing-market-frenzy-may-be-calming-down/): In many cities and towns across the country, the hallmark of the housing market this year has been fewer homes hitting the market. - [Inflation Uptick or Delta Downturn in Rates](https://www.newamericanfunding.com/learning-center/housing-news/inflation-uptick-or-delta-downturn-in-rates/): Jason Obradovich, CIO of New American Funding, is back with another episode of the #MortgageRundown. - [8 Questions Every Homebuyer Should Ask | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/8-questions-for-homebuyers-what-do-you-want-and-need/): Several questions for homebuyers include considering how you feel about doing repairs, maintenance, and rennovations on the home. - [New Home Sales Stabilize in July](https://www.newamericanfunding.com/learning-center/housing-news/new-home-sales-stabilize-in-july/): Despite a dip in mortgage applications in July, 2021 had the second-strongest July since 2012, with new home sales unchanged from June. - [3D Printed Homes Rising in Popularity](https://www.newamericanfunding.com/learning-center/housing-news/3d-printed-homes-rising-in-popularity/): If you're thinking of selling a house, you might be feeling a little overwhelmed—especially if you need to sell your house fast. - [Existing Home Sales Continue to Bounce Back](https://www.newamericanfunding.com/learning-center/housing-news/existing-home-sales-continue-to-bounce-back/): After declining for four straight months from February through May, existing home sales are on the comeback trail, having now risen for two months in a row. - [5 Priorities to Consider When Selling a House](https://www.newamericanfunding.com/learning-center/homeowners/5-priorities-to-consider-when-selling-a-house/): You're constantly running through the to-do list in your head: hire a real estate agent, stage the home for viewings, and get a home inspection. - [New Home Demand Continues to Decline](https://www.newamericanfunding.com/learning-center/housing-news/new-home-demand-continues-to-decline/): For the fourth month in a row, mortgage applications for new home purchases have declined. - [Supply Chain Issues Slowing Down New Home Construction](https://www.newamericanfunding.com/learning-center/housing-news/supply-chain-issues-slowing-down-new-home-construction/): It appears that June's good news on the new home front was short-lived, as a new report shows that construction of new single-family homes declined in July. - [House Prices Are Rising in 99% of the Country](https://www.newamericanfunding.com/learning-center/housing-news/house-prices-are-rising-in-99-of-the-country/): If you've been paying attention to real estate over the last year, you saw home prices rise substantially…unless you lived in Springfield, Illinois, that is. - [Mortgage Activity Picked Up in July, Led by Refinances](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-activity-picked-up-in-july-led-by-refinances/): If it seemed like more people were refinancing their mortgages in July, it’s because they were. - [More Small Homes for First-Time Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/hope-for-first-time-homebuyers-more-small-homes-hitting-the-market/): For much of the year, one of the common concerns among would-be homebuyers is that there are simply not enough homes on the market. - [Fannie Mae Moves to Make it Easier for Renters to Become Homeowners](https://www.newamericanfunding.com/learning-center/housing-news/fannie-mae-moves-to-make-it-easier-for-renters-to-become-homeowners/): Renters who want to become homeowners may soon find it easier to buy a home thanks to a significant lending policy change from Fannie Mae. - [Should I Refinance My Home, Or Buy a New Home?](https://www.newamericanfunding.com/learning-center/homeowners/should-i-refinance-my-home-or-buy-a-new-home/): Whether you should refinance your home or buy a new one depends on many factors like whether you would like to move. Find out more about your options. - [Homeowners Keep Gaining More Equity as Prices Continue to Rise](https://www.newamericanfunding.com/learning-center/housing-news/homeowners-keep-gaining-more-equity-as-prices-continue-to-rise/): The constant increase in home prices over the last few years has continued to provide more financial benefits to owning a home. - [Real Estate Contract Signings Retreat Slightly from Record Numbers](https://www.newamericanfunding.com/learning-center/housing-news/real-estate-contract-signings-retreat-slightly-from-record-numbers/): Considering that May 2021 was the best month of May for real estate contract signings in 16 years, things cooled a bit in June. - [Here's Where Everybody Moved to (and Moved From) in 2020](https://www.newamericanfunding.com/learning-center/housing-news/heres-where-everybody-moved-to-and-moved-from-in-2020/): Thanks to the rise in remote work over the last 18 months, for many people, the days of being required to live in the same city as their job may be over. - [To Buy or Rent: A Sentimental Look](https://www.newamericanfunding.com/learning-center/homebuyers/to-buy-or-rent-a-sentimental-look/): Should you stay in your rental home or purchase your dream home? When is the best time to buy a home? - [Different Day, Same FOMC Meeting](https://www.newamericanfunding.com/learning-center/housing-news/different-day-same-fomc-meeting/): Jason Obradovich, CIO of New American Funding, is back with another episode of the #MortgageRundown. - [As Expected, New Home Sales Fell in June](https://www.newamericanfunding.com/learning-center/housing-news/as-expected-new-home-sales-fell-in-june/): Considering that mortgage applications for new home purchases were down in June, new home sales data for June showed that sales were down too. - [Existing Home Sales Bounce Back After Four Months of Decline](https://www.newamericanfunding.com/learning-center/housing-news/existing-home-sales-bounce-back-after-four-months-of-decline/): All the data indicated that existing home sales would rebound in June…and it looks like that’s just what happened. - [House Prices Continue Meteoric Rise](https://www.newamericanfunding.com/learning-center/housing-news/house-prices-continue-meteoric-rise/): If it seems like there's a new 'house prices just hit a record high' story every month, it's because there is. - [What Are Mortgage Points?](https://www.newamericanfunding.com/learning-center/homebuyers/what-are-mortgage-points/): By reducing the interest rate on your loan, you can decrease your monthly payments and pay less interest over the life of your loan. - [Demand for New Homes Fell in June](https://www.newamericanfunding.com/learning-center/housing-news/demand-for-new-homes-fell-in-june/): While homebuying may have picked up in June, new data shows that the increase may have been felt only in the sales of existing homes. - [New Home Construction Continues Rising, But So Do Prices](https://www.newamericanfunding.com/learning-center/housing-news/new-home-construction-continues-rising-but-so-do-prices/): There's some good news on the new home front, as construction of new single-family homes continued increasing in June. - [Home Sales Still Projected to Rise in 2021](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-still-projected-to-rise-in-2021/): It appears that neither rising home prices nor a lack of available inventory can slow down the housing market these days. - [Is There a Best Time to Buy a House?](https://www.newamericanfunding.com/learning-center/housing-news/is-there-a-best-time-to-buy-a-house/): If you're asking yourself, 'When should I buy a house?' you're probably ready now. - [Homebuying Heated Up in June](https://www.newamericanfunding.com/learning-center/housing-news/homebuying-heated-up-in-june/): The most recent pending home sales data from the National Association of Realtors indicated that home sales were likely to bounce back in the coming months. - [Here Is the Best Place to Live in the U.S.](https://www.newamericanfunding.com/learning-center/housing-news/here-is-the-best-place-to-live-in-the-us/): With what's happened in this country over the last 18 months, people have probably never cared more about where they live. - [Mortgage Applications Continue Falling, Drop to Lowest Level in 18 Months](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-applications-continue-falling-drop-to-lowest-level-in-18-months/): The state of the housing market, where there aren't many homes to buy and the ones that do hit the market keep getting more expensive. - [Homebuyers Worry About Prices and Low Inventory | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuyers-increasingly-worried-about-rising-prices-low-inventory/): A report from Fannie Mae last month showed that people were feeling worse about their homebuying prospects than they ever had before. - [Idaho Is About to Have the Nation's Hottest Housing Markets](https://www.newamericanfunding.com/learning-center/housing-news/idaho-is-about-to-have-the-nations-hottest-housing-markets/): Forget California. The state where housing is about to be the hottest is Idaho. Seriously. - [Inflation vs. Growth](https://www.newamericanfunding.com/learning-center/housing-news/inflation-vs-growth/): The Fed released their minutes and the FOMC is divided - some worry about inflation, and some worry about risk to growth. - [Considering Buying the Model Home](https://www.newamericanfunding.com/learning-center/housing-news/considering-buying-the-model-home/): If you're in the market for a new home, you may have taken a look at a model home in a new development. - [Mortgage Applications Fall to Lowest Level in More Than a Year](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-applications-fall-to-lowest-level-in-more-than-a-year/): Thanks to consistently low mortgage interest rates, demand for mortgages has been elevated for the last 18 months. - [More Homes Hitting the Market at Just the Right Time](https://www.newamericanfunding.com/learning-center/housing-news/more-homes-hitting-the-market-at-just-the-right-time/): At a time when the housing market has never needed more homes to be listed for sale, there appears to be some light at the end of the tunnel. - [What Slowdown? Home Sales Likely to Bounce Back in Near Future](https://www.newamericanfunding.com/learning-center/housing-news/what-slowdown-home-sales-likely-to-bounce-back-in-near-future/): It hasn't been a great few months for home sales, with existing home sales falling for four straight months. - [Roadmap to Homeownership](https://www.newamericanfunding.com/learning-center/homebuyers/roadmap-to-homeownership/): If you recently decided it's time to buy a home, chances are you're feeling both excited and overwhelmed. - [New Home Sales Continue Declining in May](https://www.newamericanfunding.com/learning-center/housing-news/new-home-sales-continue-declining-in-may/): Prior to May, new home sales had bounced back and forth between rising and falling in each month. But things changed in May. - [House Prices Hit Another Record High](https://www.newamericanfunding.com/learning-center/housing-news/house-prices-hit-another-record-high/): Those looking to buy a home these days are finding that the pickings are mighty thin. - [FHA Changes Student Loan Rules to Make It Easier to Qualify](https://www.newamericanfunding.com/learning-center/housing-news/fha-changes-student-loan-rules-to-make-it-easier-to-qualify/): The Federal Housing Administration announced changing some of its rules surrounding student loans to make it easier for borrowers to qualify for loans. - [New Home Construction Stabilizes, Slowdown Could Be Looming](https://www.newamericanfunding.com/learning-center/housing-news/new-home-construction-stabilizes-slowdown-could-be-looming/): The new home construction rollercoaster continued in May with housing starts bouncing back up after falling in April. - [California Home Sales Cool Slightly, but Prices Hit Another Record High](https://www.newamericanfunding.com/learning-center/housing-news/california-home-sales-cool-slightly-but-prices-hit-another-record-high/): California's housing market was hotter than it's ever been in April. - [Vacation Home Sales Surge Again | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/vacation-home-sales-skyrocketed-last-year-its-happening-again/): Thanks in large part to the rise of remote work over the last 18 months, vacation homes exploded in popularity last year. - [Mortgage Refinance Costs and Break-Even Point | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/what-is-the-cost-to-refinance-a-mortgage-and-the-break-even-point/): How much it costs to refinance your mortgage depends on a lot of different factors. Find out the refinancing process and how to calculate your break even point. - [Inflation Is Here](https://www.newamericanfunding.com/learning-center/housing-news/inflation-is-here/): Why are mortgage rates going up? The FOMC did not raise rates, but did say they are going to raise inflation expectations. What does this really mean? - [It Got a Little Easier to Get a Mortgage in May](https://www.newamericanfunding.com/learning-center/housing-news/it-got-a-little-easier-to-get-a-mortgage-in-may/): With interest rates hovering well below historical levels for much of the year, it's also getting a little easier for borrowers to get a mortgage. - [Homeowners Gained an Average of $33,400 in Equity in the Last Year](https://www.newamericanfunding.com/learning-center/housing-news/homeowners-gained-an-average-of-33400-in-equity-in-the-last-year/): With home prices continuing to rise nationwide, the financial benefits of owning a home keep increasing. - [Seller's Market Grows as Buyer Optimism Falls | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/sellers-market-intensifies-as-pessimism-grows-among-homebuyers/): Given that most sellers expect to sell their homes more than they paid for, potential buyers don't feel great about the state of the housing market. - [Refinancing Fuels 20-Year Mortgage High | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/refinancing-drove-mortgage-lending-to-its-best-quarter-in-20-years/): Back in March, reports showed that the fourth quarter of 2020 was the mortgage industry's best quarter since at least 2000. - [Home Sales Slowdown Likely to Continue](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-slowdown-likely-to-continue/): April was not a great month for the housing market, as sales of both newly built homes and existing homes slowed down. - [Homebuilders Shift Focus to Suburbs and Beyond](https://www.newamericanfunding.com/learning-center/homebuyers/homebuilders-shift-focus-to-suburbs-and-beyond/): Over the last 16 months, people's attitudes towards where they live have shifted dramatically, driven by the rise of remote work. - [How to Buy a Home in a Seller's Market - Infographic](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-buy-a-home-in-a-sellers-market-infographic/): In many parts of the country, potential homebuyers are noticing the low number of homes for sale. - [New Home Sales Reverse Course, Decline in April](https://www.newamericanfunding.com/learning-center/housing-news/new-home-sales-reverse-course-decline-in-april/): April is an even-numbered month, which means that new home sales fell again. - [Survey: Most Home Sellers Expect a Profit | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/survey-almost-all-home-sellers-think-theyll-sell-for-more-than-they-paid/): Just how much of a seller's market is it right now? Well, nearly everyone who plans to sell their home in the next year expects to sell it for more. - [Existing Home Sales Fall for Third Straight Month](https://www.newamericanfunding.com/learning-center/housing-news/existing-home-sales-fall-for-third-straight-month/): Even though many people are looking to buy a new home, the lack of available inventory is keeping many of those would-be buyers on the sidelines. - [The Big Inflation Gamble](https://www.newamericanfunding.com/learning-center/housing-news/the-big-inflation-gamble/): Over the last few weeks, whether it's been the price of gas, lumber, or housing, we have all seen inflation in one form or another. - [Down Payments: What You Should Know](https://www.newamericanfunding.com/learning-center/homebuyers/down-payments-what-you-should-know/): A down payment is a lump-sum payment you make towards a large purchase. They are often represented as a percentage of the total purchase price. - [New Home Construction Hits Speed Bump as Costs Climb](https://www.newamericanfunding.com/learning-center/housing-news/new-home-construction-hits-speed-bump-as-costs-climb/): Remember last month when new home construction hit the highest pace since June 2006? Scratch that. - [Home Sales Still Expected to Increase in 2021 Despite Inventory Challenges](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-still-expected-to-increase-in-2021-despite-inventory-challenges/): The most recent data on home sales showed that sales may be back on track after stumbling earlier in the Spring. - [California's Housing Market Has Never Been Hotter](https://www.newamericanfunding.com/learning-center/housing-news/californias-housing-market-has-never-been-hotter/): California may be known for its sunny weather and warm days, but its the Golden State's housing market that's responsible for all the heat these days. - [Understanding Your FICO Credit Score](https://www.newamericanfunding.com/learning-center/homebuyers/understanding-your-fico-credit-score/): FICO scores range from 300-850. FICO defines a “good” credit score as one between 670-739. - [New Home Demand Falls as Costs Continue to Rise](https://www.newamericanfunding.com/learning-center/housing-news/new-home-demand-falls-as-costs-continue-to-rise/): Home buyers still want to buy a newly built home, that much is clear. However, it appears that some buyers are reluctant to buy that new home. - [Home Prices Keep Climbing at Record Pace](https://www.newamericanfunding.com/learning-center/housing-news/home-prices-keep-climbing-at-record-pace/): Given that nationwide home prices hit a record in March, it probably won't come as a shock that home prices rose by a significant amount in the last year. - [Homes are Selling Almost Twice as Fast as Last Year](https://www.newamericanfunding.com/learning-center/housing-news/homes-are-selling-almost-twice-as-fast-as-last-year/): Thanks to the fact that there simply aren't enough homes on the market to satisfy the demand from buyers. - [Homeownership Held Steady in First Quarter](https://www.newamericanfunding.com/learning-center/housing-news/homeownership-held-steady-in-first-quarter/): After unexpectedly falling in the fourth quarter from a 12-year high, homeownership remained stable in the first quarter. - [Home Sales May Not Be Slowing Down After All](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-may-not-be-slowing-down-after-all/): Thanks to some underwhelming home sales data, it initially looked like the usually robust Spring homebuying season would be unusually subdued this year. - [Fannie Mae, Freddie Mac Set Date for New Refinance Program](https://www.newamericanfunding.com/learning-center/housing-news/fannie-mae-freddie-mac-set-date-for-new-refinance-program/): Last month when the companies announced that would soon be offering a new refinance program targeted at millions of low-income families. - [Should I Use My 401(k) to Buy a House?](https://www.newamericanfunding.com/learning-center/homebuyers/should-i-use-my-401k-to-buy-a-house/): The prospect of buying a home is exciting, but figuring out how to pay for it can be intimidating. - [New Home Sales Bounce Back in a Big Way](https://www.newamericanfunding.com/learning-center/housing-news/new-home-sales-bounce-back-in-a-big-way/): The rollercoaster that is new home sales is back on the upswing in a rather dramatic manner. - [Mortgages for Home Purchases Expected to Reach Record High in 2021](https://www.newamericanfunding.com/learning-center/housing-news/mortgages-for-home-purchases-expected-to-reach-record-high-in-2021/): Last year's mortgage market was dominated by refinances, with refis hitting the highest level in 17 years. - [New Refinance Program for Low-Income Families | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fannie-mae-freddie-mac-unveil-new-refinance-program-for-low-income-families/): Last year saw the highest volume of mortgage refinancing since 2003 thanks to historically low interest rates. - [The Inflation Game](https://www.newamericanfunding.com/learning-center/housing-news/the-inflation-game/): In the last few weeks, rates have gone up, the Fed meeting happened, and there have been talks of another stimulus. - [7 Tips to Help Get Your Home Loan Approved](https://www.newamericanfunding.com/learning-center/homebuyers/7-tips-to-help-get-your-home-loan-approved/): There are things you can do to help get your home loan approved. They include maintaining your credit-worthiness and having your documentation ready. - [House Prices Hit All-Time Record High](https://www.newamericanfunding.com/learning-center/housing-news/house-prices-hit-all-time-record-high/): Thanks to a lack of supply and an abundance of demand, house prices have never been higher than they are right now. Here are the full details. - [New Home Construction Picks Up Speed | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/the-homes-are-coming-new-home-construction-picking-up-speed/): One thing is clear: the housing market desperately needs more houses on the market right now. - [7 Questions to Ask Before Buying a Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/7-important-questions-to-ask-yourself-before-buying-a-home/): There are several questions you should ask yourself before buying a home. Among them are, do you understand the mortgage approval process and understanding DTI. - [Demand for New Homes Surged in March](https://www.newamericanfunding.com/learning-center/housing-news/demand-for-new-homes-surged-in-march/): New homes continue to be a very popular option among prospective home buyers, assuming they can find a new home to buy, of course. - [2021 Housing Market Outlook and Beyond | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/heres-what-to-expect-in-housing-for-the-rest-of-2021/): Now that we're more than three months into 2021, we're starting to get a relatively clear picture of what's going on in the housing market. - [Is It Officially a Purchase Market Now?](https://www.newamericanfunding.com/learning-center/housing-news/is-it-officially-a-purchase-market-now/): For well over a year, the mortgage market has been dominated by refinances. - [Financial Spring Cleaning](https://www.newamericanfunding.com/learning-center/homebuyers/financial-spring-cleaning/): It's that time of the year and spring is here. The birds are chirping, flowers are blooming, and spring cleaning is overdue. - [Housing Inventory Down 40% Year Over Year | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/number-of-homes-on-the-market-is-down-40-from-last-year/): If there's been one constant theme in housing over the last several months, it's been how the lack of available inventory is impacting the market. - [Staging a Home Still Works…Maybe Now More Than Ever](https://www.newamericanfunding.com/learning-center/homeowners/staging-a-home-still-works-maybe-now-more-than-ever/): With nearly two-thirds of home buyers making an offer on a home without seeing it in person, a new survey shows home staging has never been more important. - [Where are the Hottest Housing Markets? Look to the West](https://www.newamericanfunding.com/learning-center/housing-news/where-are-the-hottest-housing-markets-look-to-the-west/): If one was looking for the hottest housing markets over the next year, one simply needs to follow the old adage: Go west, young man. - [Real Estate Investing 101](https://www.newamericanfunding.com/learning-center/homebuyers/real-estate-investing-101/): Many real estate investors use the 1% rule to determine if a property is worth renting out. - [Home Prices Rise, But Growth Slows | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/home-prices-keep-rising-but-no-longer-at-a-record-pace/): Over the last few months, home prices have been rising faster than they have in decades. - [Home Sales Slowdown Likely to Stretch into Spring](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-slowdown-likely-to-stretch-into-spring/): Spring is usually the time of the year when the housing market is the hottest, but that may not be the case this year. - [FHA Won't Cut Mortgage Insurance Premiums | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/fha-says-no-cut-to-mortgage-insurance-premiums-coming/): In recent years, the health of the Federal Housing Administration's flagship insurance fund has continually improved. - [Home Buying FAQs](https://www.newamericanfunding.com/learning-center/homebuyers/home-buying-faqs/): Get answers to your homebuying FAQs on topics like income requirements, loan types, and the difference bewtween pre-approval and pre-qualification. - [New Home Sales Fall to Lowest Level Since May 2020](https://www.newamericanfunding.com/learning-center/housing-news/new-home-sales-fall-to-lowest-level-since-may-2020/): Rising lumber costs have already been at fault for slowing down the construction of new homes. - [Short-Term Rates vs. Long-Term Rates](https://www.newamericanfunding.com/learning-center/housing-news/short-term-rates-vs-long-term-rates/): Over the last few weeks, mortgage rates have been creeping back up. But just last week the Fed made an announcement that mortgage rates will not go up. - [Lack of Inventory Slows Existing Home Sales](https://www.newamericanfunding.com/learning-center/housing-news/lack-of-inventory-slows-existing-home-sales/): The actual sales data for February is out now, and it is just as expected: a slowdown. - [New Home Construction Slows as Lumber Prices Rise](https://www.newamericanfunding.com/learning-center/housing-news/new-home-construction-slows-as-lumber-prices-rise/): There's nothing the housing market needs more right now than more available homes hitting the market. - [Millennials Continue Leading the Way for Housing Market](https://www.newamericanfunding.com/learning-center/housing-news/millennials-continue-leading-the-way-for-housing-market/): For many years, the common refrain among housing observers was, 'When are Millennials going to start buying homes?' - [Homeowners Gained an Average of $26,300 in Equity in 2020](https://www.newamericanfunding.com/learning-center/housing-news/homeowners-gained-an-average-of-$26300-in-equity-in-2020/): The fourth quarter was a very financially favorable one for homeowners, as a new report shows that the average homeowner just gained substantial equity. - [Buying is Better Than Renting in Many Major Cities](https://www.newamericanfunding.com/learning-center/housing-news/buying-is-better-than-renting-in-many-major-cities/): Although home prices continue rising at a pace not seen since the mid-1970's, it's still a better bet to buy than rent in many of the nation's biggest cities. - [Low Housing Inventory May Slow Home Sales | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-may-hit-speed-bump-due-to-lack-of-inventory/): Despite how housing has been over the last year, there's been one thing consistently holding housing back from even greater heights: a lack of inventory. - [Mortgage Lending Hit a 20-Year High at the End of 2020](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-lending-hit-a-20-year-high-at-the-end-of-2020/): Thanks in large part to mortgage interest rates that were comfortably below 3%, the mortgage industry just finished its best quarter since at least 2000. - [6 Ways Owning a Home Could Save on Taxes](https://www.newamericanfunding.com/learning-center/homeowners/6-ways-owning-a-home-could-save-on-taxes/): Homeowners may exclude profit of up to $250,000 ($500,000 for joint filers) on the sale of their home. - [Home Sales Continued Hot Streak in January](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-continued-hot-streak-in-january/): Home sales continued rising in January, proving that the brief slowdown back in November was just a minor bump in the road for the housing market. - [How to Save for a House in 2021](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-save-for-a-house-in-2021/): After spending so much time at home last year, 'home' now means much more than just a place to live. - [House Prices Haven't Risen This Fast in 40 Years](https://www.newamericanfunding.com/learning-center/housing-news/house-prices-havent-risen-this-fast-in-40-years/): Remember back in December when we learned that home prices were rising faster than they had in 15 years? And then when that figure was topped the next month? - [Inflationary Fears](https://www.newamericanfunding.com/learning-center/housing-news/inflationary-fears/): It's been a very busy last few weeks as mortgage rates have moved up slightly, causing market panic over inflation. - [Demand for New Homes Continues to Rise](https://www.newamericanfunding.com/learning-center/housing-news/demand-for-new-homes-continues-to-rise/): Home buyers continue to be interested in newly built homes, as mortgage applications for new home purchases increase in January. - [Homebuilders Optimistic Despite Lumber Costs | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuilders-still-optimistic-about-housing-despite-record-high-lumber-prices/): Homebuilders Still Optimistic About Housing Despite Record High Lumber Prices. - [Here are the Housing Markets with the Largest Home Price Increases in the Last Year](https://www.newamericanfunding.com/learning-center/housing-news/here-are-the-housing-markets-with-the-largest-home-price-increases-in-the-last-year/): Those who have been following housing and real estate know that nationwide home prices have risen throughout the last year. - [Form 1098 Tax Deductions for Mortgage Refinance | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/how-to-use-form-1098-to-claim-tax-deductions-on-your-mortgage-refinance/): Believe it or not, tax season is already here. - [It's Getting a Little Easier to Get a Mortgage](https://www.newamericanfunding.com/learning-center/housing-news/its-getting-a-little-easier-to-get-a-mortgage/): At a time when interest rates have never been lower, it is getting somewhat easier for borrowers to take advantage of those low rates. - [New Home Construction to Hit 13-Year High | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/new-home-construction-expected-to-hit-highest-level-in-13-years/): There are fewer homes on the market now than there have been at any point since at least 2012. - [Is Now a Good Time to Sell Your House? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/is-it-a-good-time-to-sell-your-house-people-certainly-seem-to-think-so/): Given that inventory has never been lower and prices have never been higher, more people are realizing that now is a good time to sell their house. - [Despite Record Home Prices, More People Think They Can Afford to Buy](https://www.newamericanfunding.com/learning-center/housing-news/despite-record-home-prices-more-people-think-they-can-afford-to-buy/): Even though home prices continue to rise faster than ever before, more people believe they can afford to buy a home. - [Homeownership Fell From a 12-Year High, But the Data Doesn't Tell the Whole Story](https://www.newamericanfunding.com/learning-center/housing-news/homeownership-fell-from-a-12-year-high-but-the-data-doesnt-tell-the-whole-story/): Given how much attitudes towards owning a home changed last year, homeownership hit a 12-year high in the third quarter of 2020. - [Housing Inventory Falls to Another Record Low | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/number-of-homes-on-market-drops-again-to-another-new-low/): Back in December, the number of homes on the market fell to a new low. Unfortunately, things only got worse in January. - [Buying a Home in Another State in 2021 | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-home-in-a-different-state-what-you-need-to-know-in-2021/): Interested in buying a home out of state? This can be a challenging process, especially if you don't know the area well. - [Home Prices Continue Record-Breaking Rise](https://www.newamericanfunding.com/learning-center/housing-news/home-prices-continue-record-breaking-rise/): Much to the delight of homeowners and chagrin of homebuyers, home prices just kept rising in November at a record-breaking pace. - [Home Sales Ended 2020 at a Strong Pace | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/home-sales-closed-2020-at-extraordinarily-strong-pace/): Remember that whole 'home sales are slowing down' thing from last month? Yeah, never mind. - [Homeowners Who Sold Their Homes in 2020 Made Nearly $70,000](https://www.newamericanfunding.com/learning-center/housing-news/homeowners-who-sold-their-homes-in-2020-made-nearly-70000/): Home prices rose dramatically in 2020. This much is known. But what was the impact of those rising prices on people who sold their homes in 2020? - [How to Stop Paying Private Mortgage Insurance](https://www.newamericanfunding.com/learning-center/homeowners/how-to-stop-paying-private-mortgage-insurance/): Private mortgage insurance (PMI) is mortgage insurance that you may have to pay on a conventional loan. Learn what you can do to stop paying it. - [The Great Waiting Room](https://www.newamericanfunding.com/learning-center/housing-news/the-great-waiting-room/): Jason Obradovich, CIO of New American Funding, and Alexis Quinney are back with the Mortgage Rundown. Since our last episode, Biden has officially taken office. - [Forecasting the 2021 Housing Market](https://www.newamericanfunding.com/learning-center/housing-news/forecasting-the-2021-housing-market/): It's a New Year and that means bold new predictions for what 2021 may hold for the housing market. - [New Home Construction Picks Up | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/new-home-construction-picking-up-at-just-the-right-time/): Considering that the number of homes on the market hit an all-time low in December, an influx of homes for sale is sorely needed. - [Want More House for Your Money? Move to a New City](https://www.newamericanfunding.com/learning-center/homebuyers/want-more-house-for-your-money-move-to-a-new-city/): According to a new report from Redfin, out-of-towners' housing budgets are higher than those of current residents in more than 30 of the biggest markets. - [FHA Now Backs Mortgages for Dreamers](https://www.newamericanfunding.com/learning-center/housing-news/fha-now-backs-mortgages-for-dreamers/): The Federal Housing Administration is now officially backing mortgages for Deferred Action for Childhood Arrivals recipients, also called Dreamers. - [Demand for New Homes Remains Strong](https://www.newamericanfunding.com/learning-center/housing-news/demand-for-new-homes-remains-strong/): Although home sales appeared to be slowing down a bit at the end of 2021, new data shows that buyers were still hungry for a new home in December. - [Buying a House in 2021: Prices, Rates, and More | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/buying-a-house-in-2021-home-prices-housing-inventory-mortgages-and-more/): Despite the pandemic’s impact on the country and the economy, one could argue that housing was never hotter than it was last year. - [Housing Economists Expect Mortgage Rates to Remain Low in 2021](https://www.newamericanfunding.com/learning-center/housing-news/housing-economists-expect-mortgage-rates-to-remain-low-in-2021/): One of the most consistent things in housing last year was just how low mortgage rates were. - [60% of 2020 Buyers Made Offers Sight Unseen | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/more-than-60-of-homebuyers-in-2020-made-an-offer-without-seeing-home-in-person/): Last year changed a lot of things in this country, including what people needed from their homes. - [New Year, New Market?](https://www.newamericanfunding.com/learning-center/housing-news/new-year-new-market/): Listen in as they go over what it all means for the market in the next few weeks and the foreseeable future. - [Buying Is More Affordable Than Renting in Most of the Country](https://www.newamericanfunding.com/learning-center/housing-news/buying-is-more-affordable-than-renting-in-most-of-the-country/): Despite the fact that home prices are rising faster than they have in 15 years, buying a home is more affordable than renting in a large portion of the country. - [Mortgage Rates Hit New Record Low as 2021 Begins](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-hit-new-record-low-as-2021-begins/): Mortgage rates fell to record lows 16 different times in 2020, hitting a new record low as recently as the week of December 24. - [Number of Homes on Market Plummets to All-Time Low](https://www.newamericanfunding.com/learning-center/housing-news/number-of-homes-on-market-plummets-to-all-time-low/): One of the common themes in housing over the last several months has been how quickly homes are selling as buyers rush to secure a new home. - [Closing Costs: How Much You Need to Buy a Home | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/all-about-closing-costs-how-much-you-really-need-to-buy-a-home/): Closing costs are the final fees homebuyers pay before completing the purchase of their home. They are usually 2%-5% of the home's overall purchase price. - [Home Sales Slow but Remain at Record Pace | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/home-sales-likely-to-continue-slowdown-but-still-running-at-record-pace/): Over the last few weeks, various reports showed that home sales are slowing down as the weather gets colder, but the news isn't all bad. - [Most Competitive Housing Markets of 2020 | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-were-the-most-competitive-housing-markets-of-2020/): Despite a pandemic raging for much of 2020, mortgage rates set continual record lows and homes flew off the shelves quicker than they have in a long time. - [Homeownership Trivia: 12 Facts to Share](https://www.newamericanfunding.com/learning-center/homeowners/homeownership-trivia-12-facts-to-share/): In honor of National Trivia Day, here are a dozen interesting facts about homeownership that may surprise you. - [Refinance FHA to Conventional: Making the Switch](https://www.newamericanfunding.com/learning-center/homeowners/refinance-fha-to-conventional-making-the-switch/): Refinancing from an FHA to a Conventional loan may help borrowers save money by eliminating mortgage insurance. Find out if refinancing may be right for you. - [How to Save Money for a Rainy Day and Emergency Fund](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-save-money-for-a-rainy-day-and-emergency-fund/): Saving money can be a challenge. However, setting aside money for a rainy day or emergency fund can be advantageous if you encounter an unexpected cost. - [Home Prices Post Largest Yearly Gain in 15 Years](https://www.newamericanfunding.com/learning-center/housing-news/home-prices-post-largest-yearly-gain-in-15-years/): Real estate observers already know that home prices are rising all over the country. - [Mortgage Rates Hit 16th Record Low in 2020 | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rates-fall-to-record-low-for-16th-time-in-2020/): Before this year, the prevailing market interest rate for a 30-year, fixed-rate mortgage had never been lower than 3.3%. - [Yes, Home Sales Are Actually Slowing Down](https://www.newamericanfunding.com/learning-center/housing-news/yes-home-sales-are-actually-slowing-down/): In a sign that things may be returning to some semblance of normalcy, home sales are slowing down at the end of the year, the same as other 'regular' years. - [Homebuilder Confidence Stays High Amid Demand | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuilders-still-feeling-good-as-demand-for-new-houses-remains-elevated/): When we last heard from homebuilders, they were feeling better about the housing market than they ever had before. - [Home Flipping: Less Popular, More Profitable | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/home-flipping-is-less-popular-but-its-never-been-more-profitable/): The markets that saw the highest flipping returns in dollars were mostly located in the western part of the U.S. Four of the top five were all in California. - [Homes Sell at Fastest Pace in 8 Years | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/how-hot-is-the-housing-market-homes-havent-sold-this-fast-in-eight-years/): Looking for a new home? Well, the one you want might be sold already. - [Homeowners Gained $1 Trillion in Equity in the Last Year](https://www.newamericanfunding.com/learning-center/housing-news/homeowners-gained-1-trillion-in-equity-in-the-last-year/): Given how much home prices have gone up over the last year, it’s probably not much of a shock that homeowners have gained equity as well. - [How 2020 Changed California Homebuying Views | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/how-2020-has-changed-californians-views-on-buying-a-home/): If there's one thing that's clear in this crazy year, it's that a home just being a home isn't enough anymore. - [Here Are 2021's Top Housing Markets](https://www.newamericanfunding.com/learning-center/housing-news/here-are-2021s-top-housing-markets/): A few weeks ago, New American Focus brought you a look at the top 10 housing markets for next year. - [Putting the Market in Perspective](https://www.newamericanfunding.com/learning-center/housing-news/putting-the-market-in-perspective/): Jason Obradovich, CIO of New American Funding, and Alexis Quinney are back with today's Mortgage Rundown. - [Are Mortgage Rates Above 4% Gone? | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/are-mortgage-rates-above-4-truly-a-thing-of-the-past/): Before this year, the prevailing market interest rate had never been lower than 3.3%. - [FHA Loan Limits Set to Increase in 2021](https://www.newamericanfunding.com/learning-center/homebuyers/fha-loan-limits-set-to-increase-in-2021/): In late November, Fannie Mae and Freddie Mac announced that they were increasing their maximum conforming loan limits in 2021. - [Wait, Are Home Sales Actually Slowing Down?](https://www.newamericanfunding.com/learning-center/housing-news/wait-are-home-sales-actually-slowing-down/): Every bit of recent news indicated that the nation’s housing market was going gangbusters with no signs of a slowdown, but maybe things aren’t quite as rosy as - [Fannie Mae & Freddie Mac Raise Loan Limits | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/fannie-mae-freddie-mac-increase-loan-limits-for-almost-all-of-us/): The maximum conforming loan limits on mortgages to be acquired by Fannie Mae and Freddie Mac are set to increase for the fifth year in a row. - [Existing Home Sales Keep Climbing | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/existing-home-sales-keep-climbing-and-theres-no-slowdown-in-sight/): In more evidence that the pandemic is altering people's views of where they live, existing-home sales continued rising in October. - [How Much Longer Will the Refinance Boom Last?](https://www.newamericanfunding.com/learning-center/homeowners/how-much-longer-will-the-refinance-boom-last/): The fact that interest rates have remained this low for months has fueled an extreme and lengthy refinance boom in the mortgage business. - [Homebuilder Confidence Hits Record High | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/homebuilders-feel-better-about-housing-than-they-ever-have-before/): Thanks to this year's record low mortgage rates, the Millennial generation fully maturing into homebuying age. - [Different Month, Same Market](https://www.newamericanfunding.com/learning-center/housing-news/different-month-same-market/): Jason Obradovich, CIO of New American Funding, and Alexis Quinney are back with today's Mortgage Rundown. Since our last update, we had a presidential election. - [FHA Allows Private Flood Insurance | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/fha-moves-to-allow-borrowers-to-buy-private-flood-insurance/): Borrowers who want to buy a home in a federally designated flood hazard area using an FHA mortgage are required to secure flood insurance. - [Home Prices Rise in Every Major Housing Market | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/home-prices-are-rising-in-literally-every-major-housing-market/): If you've seen house prices rising in your area, you're not alone. House prices are rising in every single major housing market in the U.S. - [Vacation Homes Become Permanent Homes | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/vacation-homes-are-becoming-permanent-homes-as-pandemic-lingers/): With the COVID-19 pandemic stretching into its ninth month, people across the country are embracing the new normal of working from home. - [All About PMI](https://www.newamericanfunding.com/learning-center/homebuyers/all-about-pmi/): If a borrower is getting a Conventional loan and doesn't have a down payment of 20% of the home's value, lenders will require a borrower to pay for PMI. - [Signs of Improvement: Number of Borrowers in Mortgage Forbearance Continues Declining](https://www.newamericanfunding.com/learning-center/housing-news/signs-of-improvement-number-of-borrowers-in-mortgage-forbearance-continues-declining/): In the early stages of the pandemic, when job losses were skyrocketing across the country, millions of homeowners asked for forbearance on their mortgages. - [New Data Suggests Mortgage Industry on Track for Best Year Ever](https://www.newamericanfunding.com/learning-center/housing-news/new-data-suggests-mortgage-industry-on-track-for-best-year-ever/): While much of the economy suffered in the wake of the pandemic, historically low interest rates are continuing to drive both home purchases and refinances. - [Homes Sell Fast as Buyer Demand Surges | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/houses-are-flying-off-the-market-as-buyers-clamber-for-new-homes/): In most years, home sales begin to slow as it gets closer to the end of the year, but that doesn’t seem to be the case this year. - [Mortgage Underwriting Process Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/understanding-the-underwriting-process-a-behind-the-scenes-look-at-approving-home-loans/): Underwriting is a process where a mortgage company examines your credit profile and determines whether you qualify for a mortgage loan. - [FHA Extends Pandemic Appraisal Rule Changes Through End of 2020](https://www.newamericanfunding.com/learning-center/housing-news/fha-extends-pandemic-appraisal-rule-changes-through-end-of-2020/): The FHA recently announced that it is extending some of its pandemic-driven rule changes on appraisals until at least the end of the year. - [Fannie Mae Warns of Questionable Sources of Income on Some Mortgages](https://www.newamericanfunding.com/learning-center/housing-news/fannie-mae-warns-of-questionable-sources-of-income-on-some-mortgages/): Fannie Mae is warning the housing industry that there are some questionable sources of income appearing on mortgages. - [These Will Be the Hottest Housing Markets Over the Next Year](https://www.newamericanfunding.com/learning-center/housing-news/these-will-be-the-hottest-housing-markets-over-the-next-year/): Given everything that's going on in the world these days, predictions about what's going to happen in the next year should be taken with a grain of salt. - [Easy Steps to Refinance Your Home](https://www.newamericanfunding.com/learning-center/homeowners/easy-steps-to-refinance-your-home/): It's important to arm yourself with information before exploring a refinance. First, check your credit score and your credit reports. - [Spookily Steady Rates](https://www.newamericanfunding.com/learning-center/housing-news/spookily-steady-rates/): Jason Obradovich, CIO of New American Funding, and Alexis Quinney are back with today's Mortgage Rundown. Since the last update, not too much has changed. - [CFPB Extends QM Patch Indefinitely](https://www.newamericanfunding.com/learning-center/housing-news/cfpb-extends-qm-patch-indefinitely/): The federal lending law allowing borrowers with mortgages sold to Fannie Mae and Freddie Mac to have a higher DTI ratio is not expiring on Jan 10, 2024. - [FHA Unveils New Automated Underwriting System](https://www.newamericanfunding.com/learning-center/housing-news/fha-unveils-new-automated-underwriting-system/): For years, lenders across the country used the automated underwriting systems of Fannie Mae and Freddie Mac to speed up their origination process. - [Fannie, Freddie Refinance Fee Starts Dec. 1 | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/fhfas-calabria-reiterates-that-fannie-freddie-refinance-fee-is-coming-december-1/): FHFA Director Mark Calabria reiterated last week that Fannie Mae and Freddie Mac will implement a 50-basis-point fee on certain refinances on Dec. 1, 2020. - [How to Get Pre-Approved for a Home Loan](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-get-pre-approved-for-a-home-loan/): In the pre-approval process, your lender will review your credit, income, assets, and debt to determine whether you are financially ready for a home loan. - [2020 Housing Market Outlook and Beyond | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/heres-what-to-expect-in-housing-for-the-rest-of-2020-and-beyond/): It's pretty safe to say that this year has been an unprecedented one, for both the country as a whole and the nation's housing economy. - [California Launching Its Own Mini-CFPB](https://www.newamericanfunding.com/learning-center/housing-news/california-launching-its-own-mini-cfpb/): California will soon have its version of the Consumer Financial Protection Bureau. - [TRID Five Years Later: CFPB Says Rule Changes Mostly Worked](https://www.newamericanfunding.com/learning-center/housing-news/trid-five-years-later-cfpb-says-rule-changes-mostly-worked/): Believe it or not, it’s been five years since the acronym TRID became common knowledge. - [Added Relief From the Federal Reserve](https://www.newamericanfunding.com/learning-center/housing-news/added-relief-from-the-federal-reserve/): Since our last update, interest rates have stayed steady and the FOMC meeting took place. - [Second Home vs. Investment Property Mortgages | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/mortgage-differences-with-second-home-vs-investment-property/): When buying a house, one of the main questions your lender will ask is whether the property will be a primary residence, a 2nd home, or an investment property. - [How Do Elections Affect Mortgage Rates?](https://www.newamericanfunding.com/learning-center/homebuyers/how-do-elections-affect-mortgage-rates/): With election season upon us, many important decisions await voters, from local races to the national ballot. But what does this mean for mortgage rates? - [US Economic Reality Check](https://www.newamericanfunding.com/learning-center/housing-news/us-economic-reality-check/): This week, we talked about what has been going on with the stock market and the health of our economy. Watch the full video to learn more. - [Fall Decorating on a Budget](https://www.newamericanfunding.com/learning-center/housing-news/fall-decorating-on-a-budget/): The leaves are changing colors, temperatures are dropping, and pumpkins abound. - [Refinance Rates Potentially Moving Higher](https://www.newamericanfunding.com/learning-center/housing-news/refinance-rates-potentially-moving-higher/): Since our last update, rates have stayed steady and the FHFA made an announcement about refinances. Watch the full video to learn what this all means. - [Do I Have to Keep My Mortgage Documents Forever?](https://www.newamericanfunding.com/learning-center/homebuyers/do-i-have-to-keep-my-mortgage-documents-forever/): Have you ever wondered how long you should keep your mortgage documents? Chances are, at some point, you've thought about getting rid of all that paperwork. - [Another Dip in Rates](https://www.newamericanfunding.com/learning-center/housing-news/another-dip-in-rates/): Since our last update, rates have continued to drop and the stock market continues to climb. Watch the full video to learn what this all means. - [A Look Ahead with COVID-19](https://www.newamericanfunding.com/learning-center/housing-news/a-look-ahead-with-covid-19/): Jason Obradovich, CIO of New American Funding, and Alexis Quinney are back with today's Mortgage Rundown. With COVID-19 becoming a more serious threat again. - [FOMC 2022 and Beyond](https://www.newamericanfunding.com/learning-center/housing-news/fomc-2022-and-beyond/): The FOMC meeting happened since we last updated you. To learn what the Federal Reserve had to say and what to expect in the coming weeks. - [Volatile Market. Rates - Not So Much.](https://www.newamericanfunding.com/learning-center/housing-news/volatile-market-rates-not-so-much/): Rates have stayed steady in recent weeks, but the market has been pretty volatile. Watch the full video to learn more about what this means. - [May MBS, Jumbo and Non-QM Liquidity Update](https://www.newamericanfunding.com/learning-center/housing-news/may-mbs-jumbo-and-non-qm-liquidity-update/): Jason Obradovich, CIO of Capital Markets for New American Funding is back with today's #MortgageRundown. - [Mortgage Rundown - At Home Edition](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-rundown-at-home-edition/): The state of the market over the past 30 days has been quite chaotic, join in now to learn what has been going on. - [How Can I Benefit from an Interest Rate Drop?](https://www.newamericanfunding.com/learning-center/homeowners/how-can-i-benefit-from-an-interest-rate-drop/): Learn more about how an interest rate drop affects homeowners and find out how it may be able to benefit you. - [Top 15 At-Home Activities for Kids](https://www.newamericanfunding.com/learning-center/housing-news/top-15-at-home-activities-for-kids/): There probably has never been a single more frustrating endeavor than trying to entertain bored children when staying at home. - [Maintaining Liquidity When Everything Shuts Down](https://www.newamericanfunding.com/learning-center/housing-news/maintaining-liquidity-when-everything-shuts-down/): No doubt by now you’ve heard of the major disruptions in the financial markets in the past two weeks. - [Stress Free Kitchen Organization](https://www.newamericanfunding.com/learning-center/housing-news/stress-free-kitchen-organization/): Here are some ideas on how to keep your kitchen organized. - [Unprecedented](https://www.newamericanfunding.com/learning-center/housing-news/unprecedented/): In recent days, we've seen volatility in both the stock and bond markets. - [Current Market Disruption and Historic Low Rates](https://www.newamericanfunding.com/learning-center/housing-news/current-market-disruption-and-historic-low-rates/): Due to the coronavirus and its impact on the economy, the mortgage industry is experiencing historically low interest rates. - [How to Find the Right Non-QM Lender](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-find-the-right-non-qm-lender/): When choosing a Non-QM lender, you'll want to do some research beforehand. Ask yourself these key questions before getting started. - [Risk to Growth](https://www.newamericanfunding.com/learning-center/housing-news/risk-to-growth/): 2020 is off to a fast start with interest rates dropping the entire month of January. - [Non-QM Mortgage Loan Products](https://www.newamericanfunding.com/learning-center/homebuyers/non-qm-mortgage-loan-products/): A Non-QM loan lets the borrower provide alternative proof of income for lenders to consider in place of tax returns, W-2s, or pay stubs alone. - [VA Loans in 2020](https://www.newamericanfunding.com/learning-center/homebuyers/va-loans-in-2020/): Are you a military veteran looking to buy a home? With H.R. 299, there is another major homeownership benefit for veterans as of Jan. 1, 2020. - [2020 Housing Market Forecast](https://www.newamericanfunding.com/learning-center/housing-news/2020-housing-market-forecast/): A glimpse of what factors might impact the housing market this year. - [Where Are Interest Rates Headed in 2020?](https://www.newamericanfunding.com/learning-center/housing-news/where-are-interest-rates-headed-in-2020/): Where are interest rates headed in 2020? Take a look at our recent Market Update blog by Jason Obradovich and find out based on his expert analysis! - [2020 Conforming Loan Limits | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/new-conforming-loan-limits-for-conventional-loans-in-2020/): Are you aware of the new conforming limits to conventional loans for 2020? Read our blog to learn how this limit increase could affect potential homebuyers. - [Changes Ahead: New FHA Loan Limits in 2020](https://www.newamericanfunding.com/learning-center/homebuyers/changes-ahead-new-fha-loan-limits-in-2020/): This is the time of year the Federal Housing Administration (FHA) announces its new loan limits for the upcoming year. - [Profile of the Millennial Homebuyer](https://www.newamericanfunding.com/learning-center/homebuyers/profile-of-the-millennial-homebuyer/): Due to their massive size, millennials have proven disruptive in many industries, and real estate is no exception. - [2019: Year in Review](https://www.newamericanfunding.com/learning-center/homebuyers/2019-year-in-review/): The year went from one of expectations of potentially higher rates to one with near record-low interest rates. - [Does Your Dream Home Require a Jumbo Loan?](https://www.newamericanfunding.com/learning-center/homebuyers/does-your-dream-home-require-a-jumbo-loan/): With a Jumbo Home Loan, you can buy or refinance a home with greater financing flexibility for higher-priced homes. - [Myth Busting: The True Story of Reverse Mortgages](https://www.newamericanfunding.com/learning-center/homeowners/myth-busting-the-true-story-of-reverse-mortgages/): Do you know all the facts about reverse mortgages? Take a look at our myth-busting piece on reverse mortgages and find out if they might be helpful for you. - [Buying a House in the Winter](https://www.newamericanfunding.com/learning-center/homebuyers/buying-a-house-in-the-winter/): Though it may not be a traditional time to purchase a property, buying a home in winter may be the right opportunity for you and your family. - [How Today's Interest Rates May Affect You](https://www.newamericanfunding.com/learning-center/housing-news/how-todays-interest-rates-may-affect-you/): With the Fed lowering interest rates again, there’s plenty to be excited about and to watch for. - [Why Are Building Codes Important?](https://www.newamericanfunding.com/learning-center/homebuyers/why-are-building-codes-important/): While building codes may seem like an added step in the building process, they exist to protect life, health, safety, and general welfare. - [Black Friday Home Remodeling](https://www.newamericanfunding.com/learning-center/homeowners/black-friday-home-remodeling/): Take advantage of Black Friday deals offered by contractors this holiday season and save on your next home renovation project! - [How to Accept the Gift of a Down Payment](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-accept-the-gift-of-a-down-payment/): If you are fortunate to be on the receiving end of help with a down payment, what's your next move? - [Benefits of an ADU or Guest House | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/can-you-benefit-from-an-accessory-dwelling-unit-adu-or-guest-house/): An ADU is a second small dwelling sharing the same ground (or attached to) a larger regular single-family home. - [How Low Can Interest Rates Go?](https://www.newamericanfunding.com/learning-center/housing-news/how-low-can-interest-rates-go/): Globally there is pressure on rates to move lower in a strong economy. Watch and learn more. - [7 Budget-Friendly DIY Halloween Home Projects | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/halloween-homes-on-a-budget-top-7-diy-projects-for-the-spookiest-holiday-ever/): If Halloween is one of your favorite holidays and you're on a budget this year, decorate your home from top to bottom. - [Non-QM Loans for Self-Employed Buyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/self-employed-heres-how-to-get-a-non-qualified-mortgage-loan/): The Non-QM loan can be used for a rate-and-term refinance, a cash-out refinance, and a new home purchase for owner-occupied or second homes. - [What Will the Rest of 2019 Bring for the US Housing Market?](https://www.newamericanfunding.com/learning-center/housing-news/what-will-the-rest-of-2019-bring-for-the-us-housing-market/): If you can remember back to the end of last year, more than a few experts had predicted higher mortgage rates for the US housing market in 2019. - [Is It Time to Refinance My Home Loan?](https://www.newamericanfunding.com/learning-center/homeowners/is-it-time-to-refinance-my-home-loan/): Refinancing your mortgage may seem like a good idea, but there are several things to consider before making the decision. Learn if refinancing is right for you. - [Interest Rate vs. APR Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/interest-rate-vs-annual-percentage-rate-what-you-need-to-know/): The interest rate is only based on the cost of borrowing money. On the other hand, the APR factors in the cost associated with obtaining a mortgage loan - [After the Hysteria: What's Up with Interest Rates?](https://www.newamericanfunding.com/learning-center/housing-news/after-the-hysteria-whats-up-with-interest-rates/): With the 10-year Treasury expected in the 1.55 to 1.85% range, watch and learn what might follow. - [Who Qualifies for a Non-QM Mortgage Loan? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/who-makes-a-good-candidate-for-a-non-qualified-mortgage-loan/): Non-QM loans are typically for borrowers with unique income-qualifying circumstances. They allow alternative income verification methods. - [How to Pick the Right Real Estate Agent](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-pick-the-right-real-estate-agent/): There are several steps you can take to pick the right real estate agent including talking to your lender, searching online, and knowing the agent type you want - [What Could Happen to Interest Rates?](https://www.newamericanfunding.com/learning-center/housing-news/what-could-happen-to-interest-rates/): With the possibility of negative rates subsiding, the question remains: what’s in store for rates? - [Should the Federal Reserve Lower Interest Rates?](https://www.newamericanfunding.com/learning-center/housing-news/should-the-federal-reserve-lower-interest-rates/): With interest rates continuing to drop, should the Federal Reserve lower rates? Find out now! - [Interest Rates Drop: What Does It Mean?](https://www.newamericanfunding.com/learning-center/housing-news/interest-rates-drop-what-does-it-mean/): With the 10 Year Treasury approaching historic lows, learn what this could mean for interest rates. - [What Is a Loan Origination Fee?](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-a-loan-origination-fee/): An origination fee is a fee that a lender or bank charges a borrower to complete the loan transaction. - [5 Home Repairs to Make Now – Or Pay for Them Later](https://www.newamericanfunding.com/learning-center/homeowners/5-home-repairs-to-make-now-or-pay-for-them-later/): A routine inspection performed by an HVAC professional could diagnose future problems early, as well as keep the unit functioning optimally. - [Are Rent-to-Own Homes a Good Idea or a Bad Idea?](https://www.newamericanfunding.com/learning-center/housing-news/are-rent-to-own-homes-a-good-idea-or-a-bad-idea/): You may have heard about rent-to-own homes or even seen them advertised on a sign in or around your neighborhood. - [6 Affordable Options to Make Your Home Look Chic](https://www.newamericanfunding.com/learning-center/housing-news/6-affordable-options-to-make-your-home-look-chic/): It doesn't have to be expensive to keep your home looking stylish. - [2019 Best Cities to Invest In](https://www.newamericanfunding.com/learning-center/homebuyers/2019-best-cities-to-invest-in/): Investing in real estate can be a successful way to boost your net worth if you know where and how to invest. - [VA Streamline vs. Cash-Out Refinance | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/va-streamline-or-va-cash-out-refinance-which-one-is-right-for-you/): VA loans can help veterans refinance. Find out the differences in a VA streamline and VA cash-out refinance and learn which one might be right for your needs. - [What Documents Do I Need for a Refinance?](https://www.newamericanfunding.com/learning-center/homeowners/what-documents-do-i-need-for-a-refinance/): Today's low mortgage rates may cause many to start thinking about refinancing. Find out what documents you need to refinance your home now. - [How Would a Slowing Economy Affect Interest Rates?](https://www.newamericanfunding.com/learning-center/housing-news/how-would-a-slowing-economy-affect-interest-rates/): With the 10 Year Treasury at its lowest since Nov. 2016, economic concerns continue to grow. - [5/1 ARM vs. 10/1 ARM: Which is Right for You?](https://www.newamericanfunding.com/learning-center/homebuyers/51-arm-vs-101-arm-which-is-right-for-you/): A 5/1 ARM is designed to offer a lower interest rate for the first 5 years while a 10/1 ARM is a loan that offers an initial fixed-rate period of 10 years. - [4 Questions to Ask Before Refinancing Your Mortgage](https://www.newamericanfunding.com/learning-center/homeowners/4-questions-to-ask-before-refinancing-your-mortgage/): For refinancing to be truly rewarding, it comes down to one question, “how long will it take for refinancing to pay for itself?” - [Family Loans: Gift of Equity Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/family-loan-giving-the-gift-of-equity-in-a-non-arms-length-transaction/): Looking to buy or sell a home to a family member? A gift of equity can be very beneficial if you take all the right steps beforehand. Call us today! - [Craftsman vs. Contemporary: Discovering the Differences](https://www.newamericanfunding.com/learning-center/housing-news/craftsman-vs-contemporary-discovering-the-differences/): When it comes to home designs, it's obvious that there are many different styles of architecture to choose from. - [9 Tips to Keep Your Swimming Pool Safe This Year](https://www.newamericanfunding.com/learning-center/housing-news/9-tips-to-keep-your-swimming-pool-safe-this-year/): On a hot summer day, there's nothing better than taking a refreshing dip in a swimming pool. - [Pressures on the Market to Lower Interest Rates](https://www.newamericanfunding.com/learning-center/housing-news/pressures-on-the-market-to-lower-interest-rates/): With no trade deal, pressure on the market may cause the Federal Reserve to lower interest rates. - [What Homebuyers Should Know About Solar Panels](https://www.newamericanfunding.com/learning-center/homeowners/what-homebuyers-should-know-about-solar-panels/): Solar panels are becoming more popular because homeowners may save money be more eco-friendly. Find out what to know about putting solar panels on your home. - [Deck vs. Patio: Which One Is Right for You?](https://www.newamericanfunding.com/learning-center/homeowners/deck-vs-patio-which-one-is-right-for-you/): A patio is mostly a paved area situated directly on the ground, which can either be attached or detached from a house. - [Will Trade Tensions Cause a Mini Refinance Boom?](https://www.newamericanfunding.com/learning-center/housing-news/will-trade-tensions-cause-a-mini-refinance-boom/): Trade tensions have caused the 10-Year Treasury to drop. Does this mean a mini refinance boom? - [A 5/1 ARM Home Loan Provides Important Options](https://www.newamericanfunding.com/learning-center/homebuyers/a-51-arm-home-loan-provides-important-options/): A 5/1 ARM home loan is designed to provide a lower interest rate initially. This interest rate will be fixed for the first five years of the loan. - [Reverse Mortgage Options for Retirement | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/reverse-mortgage-options-for-getting-ahead-in-retirement/): As you plan for retirement, consider the amount of equity you have in your home and how it can be used. Find out how a Reverse mortgage may be helpful to you. - [How to Save for a Down Payment - Infographic](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-save-for-a-down-payment-infographic/): Did you know, that in 2017 well over a million Americans bought their first home - people who purchased without equity from an existing home? - [Promising Signs for Interest Rates Ahead?](https://www.newamericanfunding.com/learning-center/housing-news/promising-signs-for-interest-rates-ahead/): Strong jobs. Subdued inflation. A healthy stock market. But what might the future hold? - [4 Debt Consolidation and Debt Management Strategies](https://www.newamericanfunding.com/learning-center/homeowners/4-debt-consolidation-and-debt-management-strategies/): There are several ways you can consolidate debt, but before you move forward with a decision, you should discuss your options with an accountant or advisor. - [Eco-Friendly Home Tips: Infographic | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/go-green-with-these-eco-friendly-home-tips-infographic/): It's important to protect our environment and preserve its natural resources for current and future generations. - [7 Ways to Prepare Your Home Before Baby Arrives](https://www.newamericanfunding.com/learning-center/housing-news/7-ways-to-prepare-your-home-before-baby-arrives/): Whether you're a first-time parent or already have a growing family, preparing for your new arrival can feel overwhelming. - [Low Rates with No Increases for 2019?](https://www.newamericanfunding.com/learning-center/housing-news/low-rates-with-no-increases-for-2019/): Have you heard? The FOMC has confirmed that rates will stay constant with no increases ahead. - [Consider an FHA Cash Out Program](https://www.newamericanfunding.com/learning-center/homeowners/consider-an-fha-cash-out-program/): To be eligible for an FHA Cash Out refinance, borrowers, need at least 15% equity in the property based on a new appraisal. - [Supply and Demand: Interest Rates Go Down](https://www.newamericanfunding.com/learning-center/housing-news/supply-and-demand-interest-rates-go-down/): Interest rates for consumers and homebuyers have gone down. It's all a case of supply and demand. - [5 Debt Consolidation and Debt Management Strategies](https://www.newamericanfunding.com/learning-center/homeowners/5-debt-consolidation-and-debt-management-strategies/): You may need a debt consolidation strategy, where you combine all your bills into one single payment that is easier to manage and more affordable. - [No News is Good News for Interest Rates](https://www.newamericanfunding.com/learning-center/housing-news/no-news-is-good-news-for-interest-rates/): Since our last update, there has been very little movement in the market, specifically interest rates. - [Reasons for a Cash Out Refinance](https://www.newamericanfunding.com/learning-center/homeowners/reasons-for-a-cash-out-refinance/): A Cash-Out refinance can give homeowners access to the equity that they've built up in their home. Find out ways to use a Cash-Out refi. - [What Is Refinancing?](https://www.newamericanfunding.com/learning-center/homeowners/what-is-refinancing/): A mortgage refinance is paying off one home loan with a new home loan. Find out the advantages of refinancing and if it is something that is right for you. - [Tips for Finding the Right Loan Officer for You](https://www.newamericanfunding.com/learning-center/homebuyers/tips-for-finding-the-right-loan-officer-for-you/): The right loan officer will provide a preapproval letter and help you determine which home loan options are right for you before you begin home-searching. - [Housing Trends in 2019 - Infographic](https://www.newamericanfunding.com/learning-center/housing-news/housing-trends-in-2019-infographic/): Like any economic trend, predicting where they might go is an imprecise science. We can make educated guesses. - [Home Loans for Self-Employed People](https://www.newamericanfunding.com/learning-center/homebuyers/home-loans-for-self-employed-people/): The 'gig economy' has become exponentially more widespread. And it’s not just those who are supplementing their full-time income. - [Investment Property Basics | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/investment-properties-build-your-business-by-upping-your-knowledge/): Housing prices continue to rise, giving current homeowners large chunks of equity they may not have had access to before. - [Mortgage Interest Rates Dip Amid Shutdown Fears; Lock in a Lower Rate Now](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-dip-amid-shutdown-fears-lock-in-a-lower-rate-now/): Mortgage applications have fallen in the last few weeks due to uncertainty surrounding the partial government shutdown. - [Hottest Home Decorating Trends for 2019](https://www.newamericanfunding.com/learning-center/housing-news/hottest-home-decorating-trends-for-2019/): With 2018's colors and couture already fading fast from our collective memories, it's not a bad time to start considering the tones, tenor, and trends. - [New Year, New Interest Rates?](https://www.newamericanfunding.com/learning-center/housing-news/new-year-new-interest-rates/): New Year, New Interest Rates? - [Cut Down Energy Costs](https://www.newamericanfunding.com/learning-center/homeowners/cut-down-energy-costs/): Weather can put significant wear and tear on your house over time. By weatherproofing your house, you put yourself in a good position to save money later. - [Pantone Color of the Year 2019 – Living Coral](https://www.newamericanfunding.com/learning-center/housing-news/pantone-color-of-the-year-2019-living-coral/): At first blush, the hue is inspired by the living coral found in thriving oceanic reefs throughout the world. - [How to Save with New Home Builder Incentives | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-use-builder-incentives-to-get-a-sweet-deal-on-a-new-home/): Many builders prefer using other incentives, such as making the buyer’s initial mortgage payments, covering their closing costs or paying for their insurance. - [Holiday Pet Safety Tips](https://www.newamericanfunding.com/learning-center/housing-news/holiday-pet-safety-tips/): Autonomous, robotic vacuum cleaners to suck up pet fur and dander are so last decade. - [6 Gadget Ideas to Help Your Home Glow](https://www.newamericanfunding.com/learning-center/housing-news/6-gadget-ideas-to-help-your-home-glow/): Robotic lawnmowers and new gadgets offer greater convenience. Here are six top picks—search the subject lines for details. - [Best Holiday Home Improvements](https://www.newamericanfunding.com/learning-center/homeowners/best-holiday-home-improvements/): Have you been procrastinating on home improvements? With the holidays coming up, guests will be visiting your home and you want it to impress! - [How a Reverse Mortgage Works](https://www.newamericanfunding.com/learning-center/homeowners/how-a-reverse-mortgage-works/): Find out how a reverse mortgage works and whether or not it may be able to help you increase your financial stability in retirement. - [Benefits of Being a Good Neighbor](https://www.newamericanfunding.com/learning-center/housing-news/benefits-of-being-a-good-neighbor/): When you think about the places you have lived, what do you remember the most? Is that a cool restaurant nearby? Is your favorite store around the corner? - [Market Update: December 13, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-december-13-2018/): In the past 30 days, we've seen interest rates drop and drop. The 10yr, which recently traded as high as 3.24%, a level not seen since 2011, is down to 2.85% - [Festive Holiday Towns](https://www.newamericanfunding.com/learning-center/housing-news/festive-holiday-towns/): Tree lightings, theme celebrations, parades, artisan foods and crafts, and holiday décor of all types can now be found in many cities throughout the U.S. - [10 Top Housing Trends for 2019](https://www.newamericanfunding.com/learning-center/housing-news/10-top-housing-trends-for-2019/): With 2018 soon vanishing in our rear-view mirrors, it’s time to peer into our crystal ball to gain a sense of the housing trends that will prevail in 2019. - [Market Update: November 15, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-november-15-2018/): Over the past month, we've seen rates hold relatively stable despite the uncertainty around the midterm elections. - [Fall Lawn Care Tips – 6 Steps to Take Now](https://www.newamericanfunding.com/learning-center/housing-news/fall-lawn-care-tips-6-steps-to-take-now/): Have you ever passed a neighbor’s yard and found yourself green with envy over their lush, weed-free lawn? - [5 Important Pre-Winter Home Repairs](https://www.newamericanfunding.com/learning-center/housing-news/5-important-pre-winter-home-repairs/): With all the barbecues, baseball games, and road trips that go on during the summer months, home maintenance projects may not top your list of fun hobbies. - [5 Questions to Ask at an Open House | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/dont-be-an-open-house-zombie-ask-these-5-killer-questions/): When you attend an open house and flash your preapproval letter, you'll get the attention of the seller and their Real Estate Agent. - [Travel Tips for 'Haunted' Towns](https://www.newamericanfunding.com/learning-center/housing-news/travel-tips-for-haunted-towns/): Tis the spooky season, when guys and ghouls of all ages are looking for some frightful fun. - [Market Update: October 12, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-october-12-2018/): If it seems like interest rates have been going up almost every day, then you are correct. - [Is Your Home Properly Insured?](https://www.newamericanfunding.com/learning-center/homeowners/is-your-home-properly-insured/): Insurance can't prevent damage or even disasters from occurring, but it can reduce the financial impact for you. Find out if your home is properly insured. - [Who to Call After a Disaster](https://www.newamericanfunding.com/learning-center/homeowners/who-to-call-after-a-disaster/): From hurricanes to wildfires, natural disasters are striking with increasing vengeance. Find out who to call from your insurance to your lender after a disaster - [Downsize or Declutter – What to Do with Your Stuff?](https://www.newamericanfunding.com/learning-center/housing-news/downsize-or-declutter-what-to-do-with-your-stuff/): Whether you are downsizing, decluttering, or making a long-distance relocation, moving is packed with emotions. - [Will Relocating Help You Buy Sooner?](https://www.newamericanfunding.com/learning-center/homebuyers/will-relocating-help-you-buy-sooner/): Rural regions, along with many urban areas, have experienced decades-long population declines. To combat this, they have created programs worth exploring. - [How to Choose the Right Roofer](https://www.newamericanfunding.com/learning-center/housing-news/how-to-choose-the-right-roofer/): Ready to stay warm and dry this winter? The best way to protect you and your family from the elements is to have a roof that's in excellent shape. - [Market Update: September 20, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-september-20-2018/): For the last couple of weeks, we've seen interest rates creep up and up. The yield on the 10-year Treasury is now over 3%. - [Safety After a Hurricane](https://www.newamericanfunding.com/learning-center/homeowners/safety-after-a-hurricane/): Hurricanes are destructive forces. Find out what you can do to manage the after effects and keep yourself and your family safe. - [Adding Color to Your Home: Painting Tips](https://www.newamericanfunding.com/learning-center/housing-news/adding-color-to-your-home-painting-tips/): Whether you are moving in or moving out, painting is usually involved. Before you grab a few cans of a neutral tone to freshen up your walls. - [7 Ways to Power Through a Power Outage](https://www.newamericanfunding.com/learning-center/homeowners/7-ways-to-power-through-a-power-outage/): For power outages occurring during heat waves, you and your family members can stay hydrated by drinking more water and taking cold showers or baths. - [Cash in on Home Equity with Cash-Out Refinancing](https://www.newamericanfunding.com/learning-center/homeowners/cash-in-on-home-equity-with-cash-out-refinancing/): Cash-out refinancing is another way of tapping into the equity you have built up in your home - [6 Tips for Choosing a Contractor](https://www.newamericanfunding.com/learning-center/homeowners/6-tips-for-choosing-a-contractor/): A good contractor will not balk when you ask for proof of insurance, licenses, and client references. - [Money for the Taking: Down Payment Assistance](https://www.newamericanfunding.com/learning-center/homebuyers/money-for-the-taking-down-payment-assistance/): There are over 2,200 down payment assistance programs available across the country—all with the intent of making homeownership more affordable to more buyers. - [Exterior Motives – Look Before You List](https://www.newamericanfunding.com/learning-center/homeowners/exterior-motives-look-before-you-list/): When you start improving your home, whether in preparation for sale or as you prioritize your renovation budget, you may want to think about the outside first. - [Market Update: August 23, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-august-23-2018/): If you've been following the market, you may have noticed interest rates have slightly come down. - [What's Hot in Houses - Infographic](https://www.newamericanfunding.com/learning-center/housing-news/whats-hot-in-houses-infographic/): There are several features that buyers are looking for when it comes time to purchase a new home. Do you know what those features are? - [Floored by Options](https://www.newamericanfunding.com/learning-center/housing-news/floored-by-options/): What you need to know about flooring comes down to who and what will be walking on yours in the coming years. - [The Down Payment: Are You There Yet?](https://www.newamericanfunding.com/learning-center/homebuyers/the-down-payment-are-you-there-yet/): The biggest hurdle aspiring homebuyers face is saving enough for a down payment. It takes time and money, but at what point have you saved enough? - [Market Update: August 9, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-august-9-2018/): With core inflation under 2% and the 10-year Treasury under 3%, the Federal Open Market Committee held steady on interest rates last week. - [Does Going Solar Make Sense?](https://www.newamericanfunding.com/learning-center/homeowners/does-going-solar-make-sense/): The daily amount of sun your home's roof is exposed to more relevant than where you live if you're calculating how soon a solar system will pay for itself. - [Shopping for a Home - Infographic](https://www.newamericanfunding.com/learning-center/homebuyers/shopping-for-a-home-infographic/): If you're thinking about buying a home, you should know what to look for when you're housing hunting. - [Market Update: July 27, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-july-27-2018/): You probably noticed there has been very little interest-rate volatility recently. - [Look Beyond Mortgage Interest Rates | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/interest-rates-are-important-but-dont-let-them-dominate-the-bigger-picture/): Despite the importance of interest rates and their direct influence on your monthly mortgage payment, rates should not necessarily be the deciding factor. - [Moving Services for Seniors | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/new-breed-of-company-provides-seniors-with-a-moving-experience/): Their business names roll off the tongue like a silky lullaby: Gentle Transitions, Caring Transitions, and Moving Matters. - [How to Prepare Your Vacation Home for Rent | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/to-market-to-market-prepping-your-vacation-home-to-rent/): With the increased popularity of private accommodations, a market that grew 11% in 2016 and is expected to total $36.6 billion by 2018. - [Ensuring the Grass Is Always Greener—All Summer Long](https://www.newamericanfunding.com/learning-center/housing-news/ensuring-the-grass-is-always-greenerall-summer-long/): As the weather gets warmer, you've probably rediscovered an extra room in your house: your backyard. - [Buying a Flipped Home: Red Flags to Watch | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/when-buying-a-flip-beware-of-sudden-sharp-and-showy-improvements/): If you're the buyer of a flip, make sure it's on the up-and-up, and not concealing major problems that will blow an irreparable hole in your housing budget. - [Market Update: July 12, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-july-12-2018/): Last week was the ever-important payroll report which showed 213k jobs added in June versus the 195k that was expected. - [5 Mistakes to Avoid for Mortgage Approval | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/to-hear-your-lender-say-yes-dont-do-these-5-things/): Closing a credit card, especially one with a high credit limit, can hurt your credit score, particularly if you have high balances on other cards or loans. - [Market Update: June 21, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-june-21-2018/): Last week was another FOMC meeting where they raised the Fed Funds rate to the range of 1.75 to 2.0%, in what was a widely anticipated move. - [The Porch Is Back and Out in Front](https://www.newamericanfunding.com/learning-center/housing-news/the-porch-is-back-and-out-in-front/): Front porches were a common feature in American homes up until the early 1900s. - [When You're Buying a Home, You're Also Buying a Team](https://www.newamericanfunding.com/learning-center/homebuyers/when-youre-buying-a-home-youre-also-buying-a-team/): Your real estate agent is your captain. Therefore, he or she must be knowledgeable, personable, patient, reliable, and trustworthy. - [10 Reasons for Buying Now](https://www.newamericanfunding.com/learning-center/homebuyers/10-reasons-for-buying-now/): There are many reasons for buying a home now. They include the opportunity to build equity, potential tax benefits, and the ability to build your credit. - [HOAs: What to Know Before Buying | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/homeowners-associations-what-you-need-to-know-before-buying/): The upkeep of common areas like these is often a shared expense overseen by a homeowner's association (HOA), which gets its budget from fees paid by homeowners. - [Market Update: June 7, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-june-7-2018/): If you've been following the market you've likely noticed that the 10-year Treasury is back down below 3%. - [Good Debt vs Bad Debt - Infographic](https://www.newamericanfunding.com/learning-center/homebuyers/good-debt-vs-bad-debt-infographic/): It might sound strange, but not all debt is 'bad.' Certain types of debt can actually provide opportunities to improve your financial future. - [Getting Back Outside](https://www.newamericanfunding.com/learning-center/housing-news/getting-back-outside/): 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. - [5 Documents Every Homeowner Should Have](https://www.newamericanfunding.com/learning-center/homeowners/5-documents-every-homeowner-should-have/): 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. - [Where Are the Best Places to Live? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/where-can-you-lead-the-best-life-for-the-rest-of-your-life/): Recently retired, you've sold your home at the top of the market, and you're flush with cash from all the home equity you've realized. - [Market Update: May 24, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-may-24-2018/): The 10-year finally broke through the key 3.03% resistance level and traded all the way up to 3.11%. - [Back at the Ranch](https://www.newamericanfunding.com/learning-center/housing-news/back-at-the-ranch/): With their open layouts, attached garages, and, generally, single-floor design, ranch-style homes began popping up in the 1930s. - [How to Personalize Your Home | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/personalized-home-design-ideas/): Your home is a reflection of you and your personality so have fun and show off your creativity. - [10 Things Every New Homeowner Should Know | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/10-things-every-new-homeowner-should-know-infographic/): You bought the house and secured the keys, so now what? Buying a new home is a very exciting time for most. - [Avoid Dire Lending Straits: Want Your LTV](https://www.newamericanfunding.com/learning-center/homebuyers/avoid-dire-lending-straits-want-your-ltv/): If you bought a home with an appraised value of $100,000, and put down 20% of the purchase price, your LTV would be 80. The LTV ratio would be 80/20. - [Market Update: May 10, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-may-10-2018/): The FOMC meeting came and went last week with little change in the Fed’s stance of 3-4 interest rate increases for 2018. - [8 Questions to Ask Before Hiring a Contractor](https://www.newamericanfunding.com/learning-center/homeowners/8-questions-to-ask-before-hiring-a-contractor/): American homeowners are expected to spend close to $340 billion on home improvements and repairs in 2018. Hiring the right contractor is essential. - [Final Mortgage Approval: Loan Conditions | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/the-path-to-final-loan-approval-know-all-the-conditions/): Typically, the lender approves your loan application based on conditions, meaning you have to satisfy certain requirements before your loan is fully approved. - [How to Choose a Home That's Right for You](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-choose-a-home-thats-right-for-you/): There may be no such thing as the perfect home, but it is still vital to choose a home that suits as many of your wants and needs as possible. - [Childproofing Your New Home: Safety Tips | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/childproofing-safeguard-a-new-home-for-little-explorers-infographic/): The infographic can help you determine the proper safety measures and childproofing steps to keep your family safe at home. - [10 Location Red Flags for Homebuyers | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/dont-buy-before-reviewing-these-top-10-location-no-nos/): 'Location, location, location' has been a phrase that's been in use since at least 1926, according to The New York Times. - [Market Update: April 12, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-april-12-2018/): Today we are going to talk about what’s happening in the capital markets. - [New to Homeownership? There's a Tool for That!](https://www.newamericanfunding.com/learning-center/homeowners/new-to-homeownership-theres-a-tool-for-that/): There are many tools that can help you with basic tasks in your home. Find out what tools you need and what projects you can use them for. - [How to Keep Rabbits Out of Your Yard | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/keeping-your-yard-from-becoming-an-all-the-bunnies-can-eat-buffet/): The care and attention you show your lawn, flowers, vegetables, or other landscaping plants can draw more than the appreciation of your neighbors. - [Market Update: March 28, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-march-28-2018/): Today we are going to talk about what's happening in the capital markets. - [Mortgage Interest Rates: What You Need to Know](https://www.newamericanfunding.com/learning-center/housing-news/mortgage-interest-rates-what-you-need-to-know/): With the economy strengthening and general expectations for it to continue to be healthy, it's believed that the Fed will increase interest rates in 2018. - [The Best Way to Celebrate National Puppy Day: Welcoming Home a Puppy](https://www.newamericanfunding.com/learning-center/housing-news/the-best-way-to-celebrate-national-puppy-day-welcoming-home-a-puppy/): Though your heart may be ready for a new pet, is your house? - [Market Update: March 15, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-march-15-2018/): Today we are going to talk once again about what's happening with interest rates. - [Go Green for St. Patrick's Day - Infographic](https://www.newamericanfunding.com/learning-center/homeowners/go-green-for-st-patricks-day-infographic/): As you start to pull together your home improvement list this Spring, think about reaching for the green. - [Choosing the Right Oven Is as Easy as Pie... or Pi!](https://www.newamericanfunding.com/learning-center/housing-news/choosing-the-right-oven-is-as-easy-as-pie-or-pi/): Pi Day is March 14 and is often celebrated by making and enjoying a pie. The perfect pie takes the perfect recipe—and a good oven. - [Are Gated Communities Worth a Premium?](https://www.newamericanfunding.com/learning-center/homebuyers/are-gated-communities-worth-a-premium/): When it comes to gated communities, clients can harbor several misperceptions about the benefits this type of housing offers versus its price. - [5 Ways to Help Adult Children Become Homeowners](https://www.newamericanfunding.com/learning-center/homebuyers/5-ways-to-help-adult-children-become-homeowners/): 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 - [Making Pets Comfortable in Your New Home](https://www.newamericanfunding.com/learning-center/homeowners/making-pets-comfortable-in-your-new-home/): 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. - [First Time Home Buyer Loans - Infographic](https://www.newamericanfunding.com/learning-center/homebuyers/first-time-home-buyer-loans-infographic/): First time going down this path? Don't worry. The road to homeownership and getting a first-time loan is a well-traveled one. - [It All Comes Out in the Laundry (Room)!](https://www.newamericanfunding.com/learning-center/housing-news/it-all-comes-out-in-the-laundry-room/): Let's face it…we all have dirty laundry, literally. Having a dedicated and organized laundry room in your home makes it easier to get the job done. - [How the New Tax Law Affects You and Your HELOC](https://www.newamericanfunding.com/learning-center/homeowners/how-the-new-tax-law-affects-you-and-your-heloc/): The new tax laws will challenge how you think about your home loans, especially your Home Equity Line of Credit (HELOC). - [Black History Month - Infographic](https://www.newamericanfunding.com/learning-center/inclusive-lending/black-history-month-infographic/): In honor of Black History Month, we're putting the spotlight on some of New American Funding's exceptional African Americans. - [Cash-Out Refinance to Fund a Vacation | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/cash-out-refinance-like-taking-a-vacation-on-the-house/): A cash-out refinance involves accessing the equity that has built up as your home's value increased over the last few years and you've repaid the principal. - [New or Used: Tips for Furnishing Your New Home](https://www.newamericanfunding.com/learning-center/housing-news/new-or-used-tips-for-furnishing-your-new-home/): After the ink dries on your closing agreement and you test the keys in the lock, it's time to turn that now-empty house into your next home. - [Market Update: February 8, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-february-8-2018/): As you've seen over the past month interest rates have gone up over 40bps and there has been a lot of volatility in the stock market as well. - [Home Is Where the Heart Is](https://www.newamericanfunding.com/learning-center/homeowners/home-is-where-the-heart-is/): Did you fall in love with your home at first sight? For many homebuyers, the first step through the door seals the deal. - [A Budget by Any Other Name](https://www.newamericanfunding.com/learning-center/homebuyers/a-budget-by-any-other-name/): Learning how to budget can help you save money to buy a home. Tiips for budgeting include tracking and analyzing your spending and creating rules to save by - [Good Debt and Bad Debt: 7 Steps to Boost the Good](https://www.newamericanfunding.com/learning-center/homebuyers/good-debt-and-bad-debt-7-steps-to-boost-the-good/): 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. - [A Dog's Life: Choosing the Right Home for Your Pet](https://www.newamericanfunding.com/learning-center/homebuyers/a-dogs-life-choosing-the-right-home-for-your-pet/): It used to be that the type of home you had determined the type of dog you chose. Today, the reverse is increasingly true. - [How Long to Keep Financial Documents | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/organization-101-how-long-to-keep-financial-documents/): For many of us, the new year comes with resolutions, and getting organized is a common one. Find out which financial documents you need to keep and for how long - [Market Update: January 11, 2018](https://www.newamericanfunding.com/learning-center/housing-news/market-update-january-11-2018/): Today we are going to talk about what is happening with interest rates. - [The Year in Bargains - infographic](https://www.newamericanfunding.com/learning-center/homeowners/the-year-in-bargains-infographic/): Want to know when all your favorite things to buy will be at the lowest price? - [PANTONE® Color of the Year: The Power of Purple](https://www.newamericanfunding.com/learning-center/housing-news/pantone-color-of-the-year-the-power-of-purple/): Vibrant, eye-catching, and bold, purple—and its variants—combines the cool calmness of blue with the fiery energy of red. - [The Skinny on Home Gyms vs. Fitness Centers](https://www.newamericanfunding.com/learning-center/housing-news/the-skinny-on-home-gyms-vs-fitness-centers/): A 2017 Nielsen study found that 87% of adults in the U.S. gave 'getting healthier' a top priority as they headed into the new year. - [Opening Title and Escrow](https://www.newamericanfunding.com/learning-center/homebuyers/opening-title-and-escrow/): What does open escrow mean? Opening escrow is quite simple. It involves going to the escrow or title company and handing over a deposit. - [6 Ways Your Home Helps You Keep Your New Year's Resolutions](https://www.newamericanfunding.com/learning-center/housing-news/6-ways-your-home-helps-you-keep-your-new-years-resolutions/): The beginning of a new year comes with the opportunity for improvement and renewal. - [Fireplaces Can Add a Little Hearth to Your Home](https://www.newamericanfunding.com/learning-center/housing-news/fireplaces-can-add-a-little-hearth-to-your-home/): Imagine you've been strolling outdoors after dinner, enjoying the starry sky and brisk air of a clear, chilly night. - [Easy Winter Upgrade: The Backyard Ice Rink](https://www.newamericanfunding.com/learning-center/homeowners/easy-winter-upgrade-the-backyard-ice-rink/): With the world coming together to cheer on some of its best Olympic athletes, winter sports will be top of mind. - [3 Tips for Weddings & Homebuying | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/3-rules-of-engagement-tips-for-planning-a-wedding-while-buying-a-new-home/): From glittering decorations to warm holiday parties, December is a month of celebration. It's also one of the most popular times of year for getting engaged. - [Should You Hire a Holiday Decorating Pro? | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/is-this-the-year-you-hire-a-pro-to-decorate-for-the-holidays/): Few traditions have a stronger emotional pull than preparing your home for the holidays. - [In Vacation Mode: Tips for When You're Not at Home](https://www.newamericanfunding.com/learning-center/homeowners/in-vacation-mode-tips-for-when-youre-not-at-home/): The best vacations are true departures from everyday life. To accomplish that feeling, however, you need to leave your cares behind. - [Time to Push Debt Out](https://www.newamericanfunding.com/learning-center/housing-news/time-to-push-debt-out/): Today, Jason talks about the FOMC status and how interest rates will stay the same but are expected to rise next month with a 90% chance of a Fed increase. - [Save Your Down Payment During Thanksgiving | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/hosting-thanksgiving-without-gobbling-up-your-down-payment/): Saving to buy a new home requires a commitment to regularly setting aside money. - [Tips for Hosting a Successful Turkey Day](https://www.newamericanfunding.com/learning-center/housing-news/tips-for-hosting-a-successful-turkey-day/): For most people, Thanksgiving is about celebrating family, giving gratitude, and, of course, enjoying food! - [Late-Season Lawn Care](https://www.newamericanfunding.com/learning-center/homeowners/late-season-lawn-care/): Your lawn enhances your home’s curbside appeal and provides a beautiful space for making lasting memories. Find out how to care for yours. - [A Homeowner's Year-Round Guide - Infographic](https://www.newamericanfunding.com/learning-center/guides/a-homeowners-year-round-guide-infographic/): Staying on track with your home maintenance is important. Find out what year-round maintenance tasks to do on your home and when the best time is to do them. - [Alexa, Find Me a Home](https://www.newamericanfunding.com/learning-center/homebuyers/alexa-find-me-a-home/): Amazon's assistant, Alexa, made her debut with the introduction of the Amazon Echo device and already has many fans. - [Down Payment Download: How Much Do You Really Need?](https://www.newamericanfunding.com/learning-center/homebuyers/down-payment-download-how-much-do-you-really-need/): There's a perception that buying a home requires a 20% down payment, but the reality is far different. Learn more about home loan options. - [The Great Leap of Faith](https://www.newamericanfunding.com/learning-center/housing-news/the-great-leap-of-faith/): In this week's Market Update, EVP of Capital Markets, Jason Obradovich talks about interest rates and inflation. Will rates move higher as we close out 2017? - [5 Home Maintenance Must-Dos for Fall](https://www.newamericanfunding.com/learning-center/homeowners/5-home-maintenance-must-dos-for-fall/): Once watering is no longer likely, bring in your hoses and turn off the water supply to your spigots. This can prevent any issues from freezing temps later. - [DIY or Go Pro? - Infographic](https://www.newamericanfunding.com/learning-center/homeowners/diy-or-go-pro-infographic/): How handy are you? Here's a quiz to help you decide which type of homeowner you are. - [Does Flood Insurance Make Sense for You?](https://www.newamericanfunding.com/learning-center/homeowners/does-flood-insurance-make-sense-for-you/): Flood insurance is voluntary except for homes located in a federally designated flood plain zone. Coverage is required for homes financed with government loans. - [10 Tips to De-Stress Moving Day](https://www.newamericanfunding.com/learning-center/housing-news/10-tips-to-de-stress-moving-day/): The prospect of moving is often accompanied by an emotional cocktail of excitement and anxiety over starting a new phase in life. - [Displaying Your Patriotism: 7 Rules for Old Glory](https://www.newamericanfunding.com/learning-center/housing-news/displaying-your-patriotism-7-rules-for-old-glory/): Rules for displaying the American Flag. - [A Potential Game Changer](https://www.newamericanfunding.com/learning-center/housing-news/a-potential-game-changer/): Don't look now but the 10yr yield is almost trading with a 1 handle. With the 10-year down 37bps on the year and now trading at 2.06%, 1.99% is just in sight. - [How to Spend Like a Billionaire](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-spend-like-a-billionaire/): When you are saving for a down payment, it may help to start spending like a billionaire. - [Making Room for a Home Office](https://www.newamericanfunding.com/learning-center/homeowners/making-room-for-a-home-office/): More homeowners are dedicating space to a home office. Find out what you need to know about making a home office in your home and what the benefits may be. - [Welcoming a New Baby: Home Improvement Checklist](https://www.newamericanfunding.com/learning-center/homeowners/welcoming-a-new-baby-home-improvement-checklist/): Many of these fixes will help you while your child is young, but they can also become attractive sales features that another young family would appreciate. - [Money Smarts for Newlyweds](https://www.newamericanfunding.com/learning-center/homebuyers/money-smarts-for-newlyweds/): As you step into your new married life together, if you haven’t already, it’s time to start thinking like the life partners you've just become. - [All About Home Improvement - Infographic](https://www.newamericanfunding.com/learning-center/homeowners/all-about-home-improvement-infographic/): What are the top home improvement projects? What’s the most popular wall color? Check out the infographic to learn all about home improvement. - [Are You the Fixer-Upper Type?](https://www.newamericanfunding.com/learning-center/homebuyers/are-you-the-fixer-upper-type/): Purchasing a fixer-upper can do more than satisfy your housing needs. - [5 Tips for Getting the Most From Your Yard](https://www.newamericanfunding.com/learning-center/homeowners/5-tips-for-getting-the-most-from-your-yard/): Whether you installed an outdoor kitchen, built a new deck, or went all in on shrubbery, once the improvements are made, it’s time to enjoy them. - [A Good Problem to Have: Multiple Offers](https://www.newamericanfunding.com/learning-center/homeowners/a-good-problem-to-have-multiple-offers/): It may be possible that a bidding war ensues, and the offers reach a level that potentially could exceed the appraised value of the home. - [Cooking Out Is In](https://www.newamericanfunding.com/learning-center/homeowners/cooking-out-is-in/): Having outdoor living spaces that go well beyond a picnic table and charcoal grill hold appeal for most buyers - [50 Homeownership Perks - Infographic](https://www.newamericanfunding.com/learning-center/homebuyers/50-homeownership-perks-infographic/): Ever wonder how life might be better as a homeowner? From taking control of your finances and investing in your future. - [For Sale by Owner: Pricing and Negotiation](https://www.newamericanfunding.com/learning-center/homeowners/for-sale-by-owner-pricing-and-negotiation/): Understand the lending conditions your buyer is working with. That can help you determine whether you want to agree to a lower price. - [A Man Cave Is Good for Dad's Health](https://www.newamericanfunding.com/learning-center/housing-news/a-man-cave-is-good-for-dads-health/): What do dads need? It turns out, they need some space and a man cave is a great solution. - [For Sale by Owner: Engage with a Lender and Save](https://www.newamericanfunding.com/learning-center/homebuyers/for-sale-by-owner-engage-with-a-lender-and-save/): When you choose the 'for sale by owner' (FSBO) route, you stand to save a substantial amount of money by not having to pay a Real Estate Agent commission. - [Ways to Conserve Water and Energy This Summer](https://www.newamericanfunding.com/learning-center/homeowners/ways-to-conserve-water-and-energy-this-summer/): There are many small adjustments you and your family can make to reduce your water and energy use. Find out what you can do during the summer months. - [10 Steps to Showing Your Home on Short Notice | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/10-steps-to-showing-your-home-on-short-notice-infographic/): As much as Real Estate Agents would prefer to give at least a full day's notice before each showing, often that just isn't possible. - [For Sale by Owner: All About Your Paperwork](https://www.newamericanfunding.com/learning-center/homeowners/for-sale-by-owner-all-about-your-paperwork/): Deciding to sell your home on your own, otherwise known as 'for sale by owner (FSBO),' can save you a substantial amount of money. - [Keeping Score Can Lead to Better Borrowing Rates](https://www.newamericanfunding.com/learning-center/homebuyers/keeping-score-can-lead-to-better-borrowing-rates/): Since inquiries account for 10% of your FICO score, keep them to a minimum until after your mortgage closes. - [Putting College on the House](https://www.newamericanfunding.com/learning-center/homeowners/putting-college-on-the-house/): Before you borrow under the federal parent loan programs—or look to private solutions—find out how you may be able to use your home equity to pay for college. - [Does Personality Affect Mortgage Choices? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/can-your-personality-influence-your-mortgage-decision/): Many financial companies are adding behavioral assessments to their websites and some advisors even incorporate them into their services. - [Achieving Homeownership: Money Tips for Graduates](https://www.newamericanfunding.com/learning-center/homebuyers/achieving-homeownership-money-tips-for-graduates/): To make the most of this world of opportunity, and to get closer to achieving the dream of homeownership, it helps to have control over your spending. - [How to Find the Right Loan Officer](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-find-the-right-loan-officer/): When you are about to make the largest purchase of your life, you need someone who will not only find you at a low rate. - [Fannie Mae Announces New Solutions for Mortgages and Student Loan Debt](https://www.newamericanfunding.com/learning-center/housing-news/fannie-mae-announces-new-solutions-for-mortgages-and-student-loan-debt/): Many more potential first-time home buyers are delaying homeownership—71 percent—because of concerns involving their student loans. - [Remodel or Relocate? 7 Steps to Decide](https://www.newamericanfunding.com/learning-center/homeowners/remodel-or-relocate-7-steps-to-decide/): Will you remodel so that your home reflects your current needs and lifestyle preferences or put it on the market? Fine out the steps you can use to decide. - [How Pets Are Changing Housing | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/has-housing-gone-to-the-dogs-cats-birds-and-fish/): Whether clients are buying or selling, sometimes it can seem like the pets are in charge. - [5 Little Fixes That Produce Big Returns](https://www.newamericanfunding.com/learning-center/homeowners/5-little-fixes-that-produce-big-returns/): If you are able to spend a bit more money, replacing windows and installing solar panels can also drastically reduce energy expenses. - [5 Little Home Improvements That Pay Off Quickly](https://www.newamericanfunding.com/learning-center/homeowners/5-little-home-improvements-that-pay-off-quickly/): How can you get the best return for your home improvement dollars? - [The Inflation Ghost](https://www.newamericanfunding.com/learning-center/housing-news/the-inflation-ghost/): Are we really in an environment where we need to fear inflation? - [Rates Are Still Near Historical Lows - Infographic](https://www.newamericanfunding.com/learning-center/housing-news/rates-are-still-near-historical-lows-infographic/): The evolution of mortgage rates and homes in America. Infographic. - [Throwing Home Financing into Reverse](https://www.newamericanfunding.com/learning-center/homeowners/throwing-home-financing-into-reverse/): The money from a reverse mortgage can be paid to you in a lump sum that you can then use as you want. Find out if a reverse mortgage may help you in retirement. - [Hitting the Pause Button](https://www.newamericanfunding.com/learning-center/housing-news/hitting-the-pause-button/): For rates to drop a few things would need to happen, but the big two are inflation and jobs. See what's in store! - [10 Tips to Help Children Make a Move](https://www.newamericanfunding.com/learning-center/housing-news/10-tips-to-help-children-make-a-move/): Here are 10 popular tips behavioral experts typically suggest to help you prepare your children to make a successful transition. - [Ultimate Moving Checklist](https://www.newamericanfunding.com/learning-center/housing-news/ultimate-moving-checklist/): Use our handy checklist to help keep you organized and stress-free during the moving process. - [7 Tips: Buying a Home While Managing Student Debt](https://www.newamericanfunding.com/learning-center/homebuyers/7-tips-buying-a-home-while-managing-student-debt/): Several first-time homebuyer programs can help you qualify for a mortgage. These programs may offer low to no down payment requirements. - [Time for Reflection](https://www.newamericanfunding.com/learning-center/housing-news/time-for-reflection/): It is without a doubt that if you were an investor in March of 2009, you should have bought stocks when uncertainty around the economic future. - [5 Tips for Tax Time](https://www.newamericanfunding.com/learning-center/homeowners/5-tips-for-tax-time/): Tax returns can go back into your pocket for immediate use toward meeting your financial goals, from saving for a down payment to helping you afford improvement - [10 Things to Avoid During the Mortgage Process | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/top-10-donts-during-the-home-loan-process-infographic/): Check out our list to make sure you avoid the top 10 don'ts during the process of buying or refinancing! - [How to Speak Mortgage - Infographic](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-speak-mortgage-infographic/): Getting a loan is an exciting time! If you don't know some of the commonly used terms, you might feel confused during the process. Here's some of the key phrase - [Escalator and Rotations](https://www.newamericanfunding.com/learning-center/housing-news/escalator-and-rotations/): The case for rates staying relatively low is somewhat backward facing but here are the main points to consider. - [Which Home Improvements Pay for Themselves?](https://www.newamericanfunding.com/learning-center/homeowners/which-home-improvements-pay-for-themselves/): There are different home improvements that you can do to your home. Find out which improvements pay for themselves and which ones are investments. - [Should You Look at Your Home as an Investment?](https://www.newamericanfunding.com/learning-center/homebuyers/should-you-look-at-your-home-as-an-investment/): Borrowers at various income levels can purchase a sensible home for their situation and generally, over time, the home's value appreciates creating equity. - [Politics vs. Economics](https://www.newamericanfunding.com/learning-center/housing-news/politics-vs-economics/): The first 100 days of the new administration begins as President Trump and his team race to action during this most influential time of his presidency. - [Housing Forecast: Mostly Sunny Infographic](https://www.newamericanfunding.com/learning-center/housing-news/housing-forecast-mostly-sunny-infographic/): Conditions are good, especially for first-time buyers thanks to demographics and an improving economy. - [5 Trends Expected to Impact the Real Estate Market in 2017](https://www.newamericanfunding.com/learning-center/housing-news/5-trends-expected-to-impact-the-real-estate-market-in-2017/): While it's a fresh start for the calendar, many of the trends that were already underway in the real estate market in 2016 may carry through to the New Year. - [Looking Ahead and Cheap vs. Rich](https://www.newamericanfunding.com/learning-center/housing-news/looking-ahead-and-cheap-vs-rich/): Total US retirement assets are valued somewhere around $25 trillion and have likely increased with the latest stock market rally since Election Day. - [Maximum Employment and 2% Inflation](https://www.newamericanfunding.com/learning-center/housing-news/maximum-employment-and-2-inflation/): Today the FOMC raised the benchmark interest rate by 25bps to the range of 0.50 to 0.75%. - [Ways to Protect Your Credit Score - Infographic](https://www.newamericanfunding.com/learning-center/homebuyers/ways-to-protect-your-credit-score-infographic/): Learn about how a credit score is calculated and how to protect your score with this infographic. - [All You Need to Know About Home Buying](https://www.newamericanfunding.com/learning-center/homebuyers/all-you-need-to-know-about-home-buying/): Almost all home loans require a down payment somewhere between 10% and 20% of the home's purchase price. - [3 Money Savers for Homeowners](https://www.newamericanfunding.com/learning-center/homeowners/3-money-savers-for-homeowners/): These simple, easily forgotten components are essential to the efficient and cost-effective operation of your home's major appliances. - [Buying Out of State: 5 Things to Know | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/buying-out-of-state-5-things-to-know-before-you-move/): Whether you're moving for a new career opportunity, to be closer to family, or want to move to a new city, buying a home out of state is a big move. - [Getting Ready to Purchase a Home? Infographic](https://www.newamericanfunding.com/learning-center/homebuyers/getting-ready-to-purchase-a-home-infographic/): Here's an overview of the purchase loan funding process. - [House Hunting for One](https://www.newamericanfunding.com/learning-center/homebuyers/house-hunting-for-one/): In the past, home buying was typically associated with couples and families. Today, more and more single people, of all ages, are heading into homeownership. - [DIY Home Projects to Close Out the Summer](https://www.newamericanfunding.com/learning-center/homeowners/diy-home-projects-to-close-out-the-summer/): A fresh coat of paint is one of the best options for boosting home value through curb appeal. Likewise, lawn care and basic landscaping can go a long way. - [Home Refinance](https://www.newamericanfunding.com/learning-center/homeowners/home-refinance/): Refinancing your home is, in many ways, a similar process to qualifying for a mortgage. Learn about the steps required for a home refinance. - [How to Prepare for a Home Appraisal](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-prepare-for-a-home-appraisal/): Appraisers use their knowledge of the local market, combined with information on the home in question, to come to a determination of value. - [How to Negotiate Mortgage Fees and Save | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/negotiable-mortgage-fees-and-how-to-save-by-reducing-them/): There are some mortgage fees that may be negotiable. For instance, closing costs can often be negotiated and possibly reduced, saving the homebuyer money. - [4 Ways to Save While You Spend](https://www.newamericanfunding.com/learning-center/homebuyers/4-ways-to-save-while-you-spend/): Four ways to save money while you spend include using apps like Ibotta and Acorns to clip coupons and set money aside and using cash-back rewards programs. - [VA Home Loans: What to Know, Part 2 | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/everything-you-need-to-know-about-va-home-loans-part-2/): VA loans have a number of incredible benefits, including no requirements for down payment or primary mortgage insurance. - [VA Home Loans: What to Know, Part 1 | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/everything-you-need-to-know-about-va-home-loans-part-1/): The VA loans does not require a down payment. The borrower can receive a loan of up to 100% of the home's value. - [Why the Health of Paint Sales Reflects the Health of the Housing Market](https://www.newamericanfunding.com/learning-center/housing-news/why-the-health-of-paint-sales-reflects-the-health-of-the-housing-market/): The housing market has a huge impact on paint sales because both buyers and sellers rely on paint to make improvements to a property. - [Things to Know Before Buying a Vacation Home, Part 2](https://www.newamericanfunding.com/learning-center/homebuyers/things-to-know-before-buying-a-vacation-home-part-2/): Before investing in a vacation home, think about whether the property will be able to accommodate your family's needs and interests in the future. - [Things to Know Before Buying a Vacation Home, Part 1](https://www.newamericanfunding.com/learning-center/homebuyers/things-to-know-before-buying-a-vacation-home-part-1/): If you are seriously considering investing in a vacation home, there are a few things you should consider before you officially decide to make the purchase. - [Brexit Affected Rates, But What Else Does It Mean?](https://www.newamericanfunding.com/learning-center/housing-news/brexit-affected-rates-but-what-else-does-it-mean/): Jason had the unique fortune to be in London shortly after the Brexit vote just a few weeks ago and talked to a few Brits about their opinions on Brexit itself. - [Adjustable Rate Mortgages](https://www.newamericanfunding.com/learning-center/homebuyers/adjustable-rate-mortgages/): With an Adjustable-Rate mortgage, you have the flexibility of a lower rate and payment for a fixed term of 3, 5, 7, or 10 years. - [Growth of the Urban Baby Boomer: How Cities Are Changing](https://www.newamericanfunding.com/learning-center/housing-news/growth-of-the-urban-baby-boomer-how-cities-are-changing/): Members of the baby boomer generation have increasingly shown a proclivity for city living, and as a result, our cities are beginning to change. - [15-Year Fixed Rate Mortgages](https://www.newamericanfunding.com/learning-center/homebuyers/15-year-fixed-rate-mortgages/): Some benefits of a 15-year Fixed-Rate mortgage include building equity more quickly, having reliable monthly payments, and inflation protection. - [15-Year vs. 30-Year Fixed-Rate Mortgage | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/choosing-between-a-15-year-and-a-30-year-fixed-rate-mortgage/): A 30-Year Fixed-Rate mortgage offers lower monthly payments than a 15-Year and may make it easier to save money. A 15-Year Fixed-Rate Mortgage is shorter. - [Millennials Are Moving to the Suburbs](https://www.newamericanfunding.com/learning-center/housing-news/millennials-are-moving-to-the-suburbs/): Urban life has long been a feature of the millennial generation's identity, but that is beginning to change. - [Buying an Investment Property: Key Tips | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-to-consider-before-purchasing-an-investment-property/): In addition to your monthly mortgage payment, don't forget to factor in extra costs like property taxes and maintenance. - [All About Adjustable Rate Mortgages](https://www.newamericanfunding.com/learning-center/homebuyers/all-about-adjustable-rate-mortgages/): An ARM with a five-year fixed interest rate is referred to as a 5/1 ARM. While a 5/1 is the most common, it is possible to have a fixed rate for a longer period - [Why Mortgage Lenders Need Your Information | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/why-your-mortgage-lender-needs-to-know-so-much-about-you/): When a lender asks you to hand over all of that paperwork, they are making sure you don't find yourself in a situation where you can't make the monthly payments - [What to Discuss Before Refinancing](https://www.newamericanfunding.com/learning-center/homeowners/what-to-discuss-before-refinancing/): Find out what to discuss with your loan officer when you refinance a mortgage and what you need to know about refinancing homes. - [Open Houses: No Sellers Allowed](https://www.newamericanfunding.com/learning-center/homebuyers/open-houses-no-sellers-allowed/): As many sellers know, homebuyers want to be able to picture themselves and their families in the home. - [Latinas Influence Homebuying Decisions](https://www.newamericanfunding.com/learning-center/inclusive-lending/latinas-influence-homebuying-decisions/): Latina women have an immense amount of influence in their family's homebuying process. Find out what you need to know about working with Latinas in homebuying. - [Three Things to Ask Yourself Before Renovating](https://www.newamericanfunding.com/learning-center/homeowners/three-things-to-ask-yourself-before-renovating/): There are several things homeowners should ask themselves before deciding to start a renovation. Find out what things you should ask yourself before renovating. - [Eco-Friendly Renovations That Save Money | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/eco-friendly-renovations-that-will-save-you-money-and-improve-your-home/): Tree placement can have a huge effect on your home's energy efficiency. If your home is shaded by trees, it will absorb less heat and help you save on costs. - [How to Fix Your Wet Basement](https://www.newamericanfunding.com/learning-center/homeowners/how-to-fix-your-wet-basement/): If the basement shows signs of a water problem, such as watermarks or a sump pump, it's a sign that costly repairs could be in your future if you decide to buy. - [Renovations That Can Make Your Home Harder to Sell](https://www.newamericanfunding.com/learning-center/homeowners/renovations-that-can-make-your-home-harder-to-sell/): Every renovation, has the potential to either add or detract from your home's resale value. Find out which renovations may make your home harder to sell. - [Top 5 Home Features Millennials Want](https://www.newamericanfunding.com/learning-center/homeowners/top-5-home-features-millennials-want/): Millennials have a unique set of wants and goals when it comes to homeownership. Find out the top 5 features millennials want in their home. - [The Right Way to Caulk](https://www.newamericanfunding.com/learning-center/housing-news/the-right-way-to-caulk/): When you notice gaps, cracks, joints, or leaks between two elements of your home, it might be time for a little re-caulking. - [3 Things to Know Before Buying a Fixer-Upper | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/three-key-things-to-consider-before-buying-a-fixer-upper/): Prospective home buyers wishing to buy a home to fix up should seek out a home that has room to grow into the neighborhood. - [Benefits of Homeownership Infographic](https://www.newamericanfunding.com/learning-center/homebuyers/benefits-of-homeownership-infographic/): Turn those rent payments into mortgage payments and invest in your own future. - [How to Reduce the Cost of Your Next Move](https://www.newamericanfunding.com/learning-center/housing-news/how-to-reduce-the-cost-of-your-next-move/): By planning and budgeting, saving money on your move isn't as hard as you might think. - [Freddie Mac in 2016: What's Been Done and What's Ahead](https://www.newamericanfunding.com/learning-center/housing-news/freddie-mac-in-2016-whats-been-done-and-whats-ahead/): With the shocking pace at which mortgage rates have continued to fall, Freddie Mac has been in the spotlight quite a bit this past January. - [Home Improvements That Can Boost Your Property Value](https://www.newamericanfunding.com/learning-center/homeowners/home-improvements-that-can-boost-your-property-value/): Making home improvements can boost your property value. Find out what to consider as you decide which improvements can be cost effective and beneficial. - [How to Prevent House Fires This Winter | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/take-extra-precaution-to-prevent-house-fires-this-winter/): It's important to stay safe during these colder months. Practicing some safe habits can greatly decrease the risk of a house fire this winter season. - [2015 2.0](https://www.newamericanfunding.com/learning-center/housing-news/2015-2-0/): It doesn't take a rocket scientist to realize that 2016 is starting almost identically to 2015. - [How to Decorate Your Home With a Smartphone | New American Funding](https://www.newamericanfunding.com/learning-center/housing-news/how-your-smartphone-can-help-you-decorate-your-new-home/): Many people view their new home as a blank canvas where they can express their creativity. - [5 Ways to Choose the Right Real Estate Agent](https://www.newamericanfunding.com/learning-center/homebuyers/5-ways-to-choose-the-right-real-estate-agent/): Five ways to choose the right real estate agent include learning their specialties, noting their qualifications, and testing their knowledge. - [How to Save for Your First Home](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-save-for-your-first-home/): First time home buyers make up a significant portion of the home buying market. - [Trends That Will Affect Real Estate in 2016, Part 2](https://www.newamericanfunding.com/learning-center/housing-news/trends-that-will-affect-real-estate-in-2016-part-2/): At the beginning of every year, people in the real estate industry wonder what changes are in store. - [Tips to Protect Your Home in Winter](https://www.newamericanfunding.com/learning-center/homeowners/tips-to-protect-your-home-in-winter/): It is of the utmost importance that you take the necessary precautions to safeguard your home from any winter-related maintenance issues. - [3 Steps to Find the Best Renovation Contractor | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/three-steps-to-finding-the-best-contractor-for-your-renovation/): Choosing the right contractor is crucial when planning a home renovation. Find out what to look for in a contractor and the best ways to find one you trust. - [Trends That Will Affect Real Estate in 2016, Part 1](https://www.newamericanfunding.com/learning-center/housing-news/trends-that-will-affect-real-estate-in-2016-part-1/): In this new housing landscape, many trends are emerging that home buyers and real estate agents alike should keep in mind. - [What the Fed's Interest Rate Hike Means for Home Buyers and Homeowners](https://www.newamericanfunding.com/learning-center/housing-news/what-the-feds-interest-rate-hike-means-for-home-buyers-and-homeowners/): After months of speculation and anticipation, the Federal Reserve announced Dec. 16 a raise in short-term interest rates for the first time in almost 10 years. - [November and December's Home Sales Affected by TRID](https://www.newamericanfunding.com/learning-center/housing-news/november-and-decembers-home-sales-affected-by-trid/): All eyes were on the real estate market, with questions about how TRID would affect home sales, when the rule went into effect on Oct. 3. - [Fixed Rate Loans with a Licensed Mortgage Lender](https://www.newamericanfunding.com/learning-center/homebuyers/fixed-rate-loans-with-a-licensed-mortgage-lender/): The benefits of buying with a fixed-rate loan include stable monthly payments, decreased risk for changes in interest rates, and simpler budgeting. - [How to Find a Real Estate Agent Who's Right for You](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-find-a-real-estate-agent-whos-right-for-you/): A real estate agent still plays a vital role in the home buying process. - [Is the Worst House on the Block a Better Buy?](https://www.newamericanfunding.com/learning-center/homebuyers/is-the-worst-house-on-the-block-a-better-buy/): One of the most widely-told pieces of real estate wisdom is to buy the worst house in the best neighborhood. - [The Risks of Having a Fireplace](https://www.newamericanfunding.com/learning-center/housing-news/the-risks-of-having-a-fireplace/): While a fireplace certainly conjures up cozy images of warmth and family gatherings, you may want to think twice before purchasing a home with one. - [Download These Apps Before Moving In](https://www.newamericanfunding.com/learning-center/housing-news/download-these-apps-before-moving-in/): There are many things that are pertinent to learn and get ready for, from how safe a neighborhood is to how far you'll have to go to get to the grocery store. - [How Zoning Laws Affect Your Home Purchase | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/what-zoning-laws-have-to-do-with-your-new-home-purchase/): Zoning laws don't just apply to the type or use of the buildings allowed in an area. They also dictate how you can use your land. - [Paying Off Your Mortgage Quicker Can Be Done](https://www.newamericanfunding.com/learning-center/homeowners/paying-off-your-mortgage-quicker-can-be-done/): Paying off debt quicker is never a bad thing. Find out ways you can realistically pay of your mortgage faster and how that can benefit you. - [Make Homebuying Your New Year's Resolution | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/why-buying-a-home-should-be-your-new-years-resolution/): Your New Year's resolution should be to finally find your dream home in 2016. - [How to Make Sure Your New Addition Goes Smoothly](https://www.newamericanfunding.com/learning-center/homeowners/how-to-make-sure-your-new-addition-goes-smoothly/): As families change and grow, housing needs begin to shift. - [Choosing the Right Loan](https://www.newamericanfunding.com/learning-center/homebuyers/choosing-the-right-loan/): If you're wondering which loan is the right choice for you, this guide can help you understand your options. - [How Important Are Photos When Selling Your Home?](https://www.newamericanfunding.com/learning-center/homeowners/how-important-are-photos-when-selling-your-home/): The home buying process has changed dramatically over the past few decades. - [Are Appliance Extended Warranties Worth It? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/is-an-extended-warranty-on-your-new-appliances-worth-it/): Here is more information on extended warranties on appliances to help you decide whether or not they make sense for you. - [Dallas Housing Market Continues to Do Well](https://www.newamericanfunding.com/learning-center/housing-news/dallas-housing-market-continues-to-do-well/): The number of foreclosures in Dallas continues to fall, showing signs of improvement in the housing market. - [How to Open Your Phoenix Home for the Winter](https://www.newamericanfunding.com/learning-center/housing-news/how-to-open-your-phoenix-home-for-the-winter/): If you are new to the snowbird lifestyle, you may have some concerns about how to maintain a seasonal home. - [Save for Your Down Payment by Lowering Your Rent](https://www.newamericanfunding.com/learning-center/homebuyers/save-for-your-down-payment-by-lowering-your-rent/): If you are interested in investing in a new home, saving money for a down payment can seem like a long and grueling process. - [Why the Fed Raised Key Interest Rates and Mortgage Rates Dropped](https://www.newamericanfunding.com/learning-center/housing-news/why-the-fed-raised-key-interest-rates-and-mortgage-rates-dropped/): Jason Obradovich, EVP Capital Markets, walks you through the effect of the Fed rate hike on mortgage rates. - [What Not to Do When Applying for a Home Loan](https://www.newamericanfunding.com/learning-center/homebuyers/what-not-to-do-when-applying-for-a-home-loan/): One of the more common mistakes loan applicants make is not first figuring out exactly what they can afford when looking to purchase a home. - [Is a Reverse Mortgage Right for You?](https://www.newamericanfunding.com/learning-center/homeowners/is-a-reverse-mortgage-right-for-you/): A Reverse Mortgage is a loan, which guarantees that borrowers will never owe more than the value of their home. Find out if this loan is right for your needs. - [VA Loan Refinance and VA Home Loan Programs](https://www.newamericanfunding.com/learning-center/homebuyers/va-loan-refinance-and-va-home-loan-programs/): Current VA mortgage holders may refinance with the VA Interest Rate Reduction Refinance Loan (IRRRL) to lower their interest rate. - [Most Affordable Cities to Buy a Home](https://www.newamericanfunding.com/learning-center/housing-news/most-affordable-cities-to-buy-a-home/): When considering the purchase of a home, affordable cities make that goal far more attainable. - [Bidding Wars 101](https://www.newamericanfunding.com/learning-center/homebuyers/bidding-wars-101/): A bidding war occurs when two or more interested buyers want to purchase a home and provide higher offers in an attempt to gain custody of the property. - [Guide to VA Home Loans, Part 1](https://www.newamericanfunding.com/learning-center/homebuyers/guide-to-va-home-loans-part-1/): Veterans and surviving spouses who qualify do not have to provide a down payment for a new home unless the lender requires it. - [Guide to VA Home Loans, Part 2](https://www.newamericanfunding.com/learning-center/homebuyers/guide-to-va-home-loans-part-2/): Learn more about VA loans, how to obtain a certificate of eligibility and the benefits of choosing the right real estate agent. - [Interest Only Home Loans](https://www.newamericanfunding.com/learning-center/homebuyers/interest-only-home-loans/): Depending on your financial situation and goals, an Interest Only Mortgage could be the best fit for your borrowing needs. - [Home Buying for a Young Couple](https://www.newamericanfunding.com/learning-center/homebuyers/home-buying-for-a-young-couple/): Deciding to buy a house with your partner is both exhilarating and intimidating and there are many facets to consider when committing to such an investment. - [A Guide to VA Home Loans](https://www.newamericanfunding.com/learning-center/homebuyers/a-guide-to-va-home-loans/): A VA home loan provides the opportunity to buy a home that may not require a down payment. - [5 Tips for Moving Out-of-State](https://www.newamericanfunding.com/learning-center/homebuyers/5-tips-for-moving-out-of-state/): Five tips for moving out-of-state include making sure you label everything, de-clutter before you pack, and know what paperwork you will need to update. - [HUD Aims to Improve National Homeownership Rate](https://www.newamericanfunding.com/learning-center/housing-news/hud-aims-to-improve-national-homeownership-rate/): HUD Secretary Castro vowed to improve the national homeownership rate by first working with lenders and mortgage brokers to bring affordable home loans. - [It's More Affordable to Own Than to Rent in Most Major U.S. Metros](https://www.newamericanfunding.com/learning-center/housing-news/its-more-affordable-to-own-than-to-rent-in-most-major-us-metros/): As rent prices continue to climb higher, saving for a down payment on a future home purchase is becoming an increasingly serious concern. - [HARP Opportunities for Qualified Borrowers | New American Funding](https://www.newamericanfunding.com/learning-center/homeowners/harp-opportunities-still-abound-for-qualified-borrowers/): The Federal Housing Finance Agency estimates that there are currently as many as 200,000 American households still eligible to take advantage of the program. - [VA Home Loans Simplified Slideshow](https://www.newamericanfunding.com/learning-center/homebuyers/va-home-loans-simplified-slideshow/): Learn about the benefits and requirements of a VA home loan. - [Another VA Benefit, the SCRA! Wait, What's That?](https://www.newamericanfunding.com/learning-center/homebuyers/another-va-benefit-the-scra-wait-whats-that/): The Servicemembers Civil Relief Act (SCRA) alleviates some of the stress and economic burden placed on those called to duty, and their families. - [Advantages of New Construction](https://www.newamericanfunding.com/learning-center/homebuyers/advantages-of-new-construction/): Here are the benefits of purchasing a newly constructed property. - [Best Loans for Investment Properties Slideshow](https://www.newamericanfunding.com/learning-center/homebuyers/best-loans-for-investment-properties-slideshow/): Learn all about the best loans for investment properties in this quick presentation. - [What You Need to Know About an ARM Loan](https://www.newamericanfunding.com/learning-center/homebuyers/what-you-need-to-know-about-an-arm-loan/): An ARM or Adjustable-Rate Mortgage typically offers greater flexibility in interest rates beginning with a lower initial rate. - [Homeownership and Closing the Racial Wealth Gap | New American Funding](https://www.newamericanfunding.com/learning-center/inclusive-lending/homeownership-as-a-pillar-of-wealth-strategies-for-closing-the-racial-wealth-gap/): For many historically underrepresented communities, homeownership may offer a way to build wealth. Find out how housing can help close the racial wealth gap. - [The Basics of Reverse Mortgage](https://www.newamericanfunding.com/learning-center/homeowners/the-basics-of-reverse-mortgage/): This program doesn't benefit everyone, but if you are at least 62 years old and have positive equity in your home it may be right for you. - [How to Save for Your Down Payment](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-save-for-your-down-payment/): A crucial part of the homebuying process that could make or break your ability to purchase your dream home is coming up with a down payment. - [The 411 on Partial Mortgage Payments](https://www.newamericanfunding.com/learning-center/homeowners/the-411-on-partial-mortgage-payments/): When you are only able to make partial payments on your account, your lender may put those payments in a suspense account. Find out how partial payments work. - [5 Things Needed for Mortgage Pre-Approval | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/5-things-you-need-to-be-pre-approved-for-a-mortgage-loan-slideshow/): To get pre-approved for a mortgage loan, here are five things you need to know. - [Jumbo vs. Conventional Loans Infographic](https://www.newamericanfunding.com/learning-center/homebuyers/jumbo-vs-conventional-loans-infographic/): Here is a comparison between jumbo vs. conventional mortgage loans. - [How to Finance New Home Construction](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-finance-new-home-construction/): Financing a new home construction is dramatically different than financing the purchase of an existing home. - [Why Buy a New Construction Home](https://www.newamericanfunding.com/learning-center/homebuyers/why-buy-a-new-construction-home/): You don't have to worry about your home being up to code or having state-of-the-art safety features when you purchase a newly constructed home. - [Create Your Dream Home Checklist](https://www.newamericanfunding.com/learning-center/homebuyers/create-your-dream-home-checklist/): Are you a first time home buyer? Create your dream home checklist to help you in your home search. - [Who Are First-Time Homebuyers? | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/demographic-profile-who-is-the-first-time-home-buyer/): Home buyers fall under one of two categories: a first-time home buyer or a repeat buyer. - [How to Clean Tile Floors](https://www.newamericanfunding.com/learning-center/homeowners/how-to-clean-tile-floors/): Get your mops, brooms, brushes, sponges and dust pans ready. - [VA Home Loan: Benefits, Eligibility and Application](https://www.newamericanfunding.com/learning-center/homebuyers/va-home-loan-benefits-eligibility-and-application/): The U.S. Department of Veterans Affairs offers several loan programs to help current Service Members, Veterans, and eligible surviving spouses. - [Florida First-Time Homebuyer Checklist | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/resource-checklist-for-first-time-homebuyers-in-florida/): With so much incredible real estate on the market, Florida is a great place for first-time homebuyers. - [APR Explained: Annual Percentage Rate | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/apr-definition-your-simplified-guide-to-annual-percentage-rate/): Your annual percentage rate is the mortgage interest rate of your loan plus other fees and costs like closing costs, the appraisal fee, and mortgage insurance. - [How to Buy a Home in an Inventory Shortage Crisis](https://www.newamericanfunding.com/learning-center/homebuyers/how-to-buy-a-home-in-an-inventory-shortage-crisis/): Here are homebuying tips to help you beat the competition in a seller's market. - [Floored: Trying to Choose a Carpet Alternative](https://www.newamericanfunding.com/learning-center/housing-news/floored-trying-to-choose-a-carpet-alternative/): Here are various carpet alternatives that could be the right choice for your home. - [Uncovering the Mystery Behind Property Taxes](https://www.newamericanfunding.com/learning-center/homebuyers/uncovering-the-mystery-behind-property-taxes/): The first clue to uncovering how property taxes are calculated is realizing that property taxes are local taxes that are a source of income to local governments - [Why Refinance a Home?](https://www.newamericanfunding.com/learning-center/homeowners/why-refinance-a-home/): There are many things to understand about refinancing a home and the different types of refinance home loans. Find out why people refinance and what is involved - [Underwriting and Home Loan Approval](https://www.newamericanfunding.com/learning-center/homebuyers/underwriting-and-home-loan-approval/): The underwriter is in charge of reviewing your file against the conditions of the loan program you have selected. - [Appraising the Property](https://www.newamericanfunding.com/learning-center/homebuyers/appraising-the-property/): The appraiser will compare other properties of similar nature that have sold in the same area. They will consider nearby schools and other community features. - [What Is a Mortgage Interest Rate Lock?](https://www.newamericanfunding.com/learning-center/homebuyers/what-is-a-mortgage-interest-rate-lock/): A mortgage rate lock is the only guarantee that you will receive the terms at the time your loan is approved. - [Homeowners Insurance Basics: For the New Home Buyer](https://www.newamericanfunding.com/learning-center/homeowners/homeowners-insurance-basics-for-the-new-home-buyer/): When buying a new home, the mortgage lender will require proof of homeowners insurance coverage. Learn the basics of what each type of insurance policy covers. - [What Is a Short Sale?](https://www.newamericanfunding.com/learning-center/housing-news/what-is-a-short-sale/): A short sale is when a property is sold for less than the remaining balance on the mortgage so a seller can avoid foreclosure. - [Increase Your Chance of Home Loan Approval](https://www.newamericanfunding.com/learning-center/homebuyers/increase-your-chance-of-home-loan-approval/): As a potential home buyer, you should be prepared for lenders to take a more detailed look at everything about you. - [Home Improvements That Make Your Money Work](https://www.newamericanfunding.com/learning-center/homeowners/home-improvements-that-make-your-money-work/): There are many improvements you can make to your home. Find out which ones can appeal most to buyers and raise the value of your home should you decide to sell. - [VA Home Loan Eligibility Rules Explained | New American Funding](https://www.newamericanfunding.com/learning-center/homebuyers/a-straightforward-chart-to-explain-va-home-loan-eligibility-rules/): We've gone ahead and made it a little bit simpler and easier to understand with this VA Eligibility Chart. - [The Times They Are A-Changing for the Reverse Mortgage Business](https://www.newamericanfunding.com/learning-center/homeowners/the-times-they-are-a-changing-for-the-reverse-mortgage-business/): A reverse mortgage loan allows homeowners 62+ to pull out the equity in their home. Learn about the changes that are happening on these home loans. . ## Loan Officer Microsites - [Mortgage Loans](https://www.newamericanfunding.com/mortgage-loans/) ## Notes - Pages with `noindex` / `HideFromEverywhere` set are excluded from this listing. - Dynamic form pages, thank-you pages, and protected pages are intentionally omitted. - Loan officer microsite pages represent individual loan officer profile pages.