MLO | Mortgage & Real Estate Guide

Send us a textCasey is joined by Caitlin Fish of Knipe Realty for an interesting and informative conversation regarding house hacking how-to's to help you achieve homeownership faster, and how to make your home work for you. Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123  Ready to Apply? Visit www.mtgxps.com | Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID/UT with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textCasey is joined by Josh Jensen of Newfi Wholesale for an interesting and informative conversation regarding non-qm mortgage solutions to help homebuyers achieve the milestone of homeownership faster than conventional options. Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123  Ready to Apply? Visit www.mtgxps.com | Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID/UT with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textCasey is joined by Scott Edelman, Realtor at Sold By Scott Powered by Move Realty, to look ahead to 2025. What could market conditions be like? Casey & Scott go over winning strategies to keep you ahead of the curve on home buying. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123  Ready to Apply? Visit www.mtgxps.com | Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID/UT with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textCasey & Mikal are joined by a fellow Mortgage Express Loan Officer and Actor, Tom Hestmark. The gang covers beginning in the industry and navigating purchasing a Condo in today's market. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123  Ready to Apply? Visit www.mtgxps.com | Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID/UT with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textAre you ready for the new year? Casey & Addy sit down to cover how you can be a successful homebuyer in 2025 and avoid some pitfalls of the current market. Ready to learn more and get the ball rolling on your next home purchase? Contact Casey & Addy Today! Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textThis week the MLO Crew is joined by Casey's daughter Chloe, who helps the gang navigate post-election market information. Are you curious about where industry conditions stand in a rapidly changing political environment? Contact Addy, Casey, & Mikal today to learn more! Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textThe gang is joined by a special guest this week. Addy, Mikal, and Casey pick Kevin Winkle's brain on purchasing a resale or a newly constructed home. Kevin Winkle is a Realtor at Keller Williams Portland Elite, and luxury real estate guru. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textCasey, Addy, and Mikal sit down to cover topics ranging from "Girl Talk" to making sure you're really seeing all the options available to you when it comes to refinancing vs recasting. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textHow can anyone Compete with a Cash offer? 1. Understanding different types of "cash offers" - not always literal cash, can be from hard money loans, lines of credit, 1031 exchanges, etc.2. Tips for making a competitive offer as a financed buyer:- Submit offers quickly, with a short timeline (e.g., 24-hour response)- Minimize contingencies and inspection periods- Offer higher than list price but ask for seller credits to cover closing costs- Work with a lender who can close quickly (e.g., 2 weeks)3. Exploring alternative financing options to compete with cash buyers:- Cash buyer programs that provide upfront cash, then you refinance- Bridge loans using equity in your current home4. Importance of being prepared as a financed buyer:- Get pre-approved, have documents ready- If selling a home, make sure it's ready to list quickly- Understand debt-to-income ratios and loan program limits5. Strengthening a contingent offer by putting down earnest money, shortening timelines, etc.6. Recognizing that even with financing, you can be competitive by understanding the market and working closely with your agent and lender. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a text1. Property taxes in Oregon are unique - they are paid annually in November, unlike most other states where they are paid twice a year.2. There are discounts available for early payment of property taxes in Oregon - up to 3% if paid in full by the 15th of November.3. The fiscal year for property taxes in Oregon runs from July 1 to June 30, so when you purchase a home, you may need to pay back the seller for the portion of taxes they have already paid.4. Local lenders who are familiar with the Oregon property tax system are important, as out-of-state lenders may not understand the nuances.5. There are potential ways to reduce property taxes, such as if the homeowner is a 100% disabled veteran or elderly.6. New construction properties pose unique challenges, as the taxes are initially based only on the land value until the home is assessed.7. Property taxes can fluctuate year-over-year due to new taxes or levies being added, so it's important to be aware of this when budgeting.8. Understanding whether your property tax statement is "yellow" (taxes paid) or "green" (taxes unpaid) is crucial, and you should reach out to your lender if you have any questions.Mikal Mele Mikal Ashley MeleLoan Officer & Mortgage AdvisorNMLS 963197Casey Carpenter Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textAddy & Casey sit down to cover the true cost of purchasing a home, and the cost of homeownership. Are you ready to purchase knowing the real cost? Mikal Mele Mikal Ashley MeleLoan Officer & Mortgage AdvisorNMLS 963197Casey Carpenter Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textMikal and Addy discuss the risks of switching mortgage lenders while home shopping or in transaction. Learn the pros and cons of navigating a switch as a homebuyer. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textAddy & Casey discuss their favorite tips and tricks to combat the pitfalls of inflation. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184Not a commitment to Lock or Lend. Terms and conditions apply. Not all applicants will qualify. Mortgage Express, LLC. is an Equal Housing Lender. Company ID# 40831

Send us a textPost Fed Meeting discussing between Mikal, Casey and Addy. Reviewing the impact on the recent reduction of interest rates and how to create a strategy to survive 2025. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information.

Send us a textThe MLO crew dives into some creative alternative financing options. Specifically geared towards bank statement loans, self employed individuals and Military Veterans. Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information. 

Send us a textAfter a long break and a physical move of our studio, MLO is back and with a new Co-Host, Mikal Mele. Our director and President of Mortgage Express welcomes us to our new home and then we dive into some brewing topics within Real Estate & Mortgage:Refinancing: what to know and the importance of breakeven pointsSocial Media Content from Realtors and Mortgage Lenders (what can you believe?)Election Period and 2025 FED/Interest Rate Predictions----Mikal MeleLoan Officer & Mortgage AdvisorNMLS 963197 Casey CarpenterLoan Officer & Mortgage AdvisorNMLS 1458123 Addy NettLoan Officer & Mortgage AdvisorNMLS 1542184 Mortgage Express, LLC NMLS ID 40831 | Equal Housing LenderNot a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com.  Visit www.nmlsconsumeraccess.org for more information. 

Breaking down the details of work history - self employed, W2, job changes, etc. - and how they impact a loan approval.Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2024 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

How to avoid getting blindsided in the home buying process.Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2024 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

Media adds to the confusion with their highlights, low lights and interpretations. The big news. What you need to know and what you should probably forgot.Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2024 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

Job Report DataInflation FiguresElection PeriodAll Time Credit Card DebtManaging your BudgetAddison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2024 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

Good - Bad - UglyWhat is a contingent offer?What are my alternative options?Milestones to be aware of that could save you thousands?Bonus: 5 maintenance tips to save you money when you sell.Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2024 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

- Impacts of credit and how to manage- Small steps toward better financial healthAddison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2024 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

- Is the data completely manipulated?- What to expect moving forward- Wait or take action?Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2024 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

New Program allowing kids to buy homes for their parents!? Highest Credit Scores we have ever seen….but there's bad newsNew Options for Bridge Loans and Re-Casting of your mortgage to reduce paymentsAddison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2024 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

What to expect post FED's meetingMost commonly asked questions this week:- Renovation Loans- Waiting or Buying Now- Refinancing and Credit Card Debt- Build Your Own Home???Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2024 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

When should we refinance?What should we monitor when it comes to your debt and credit?Positive Financial Mindset in 2024?Small changes add up to big impacts.Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2024 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

1. Volatile Interest Rate Environment. Ups and downs, also an election 2. Financial Awareness. Budgeting, credit scores, credit cards. Waiting to refinance.3. Finances and Lifestyle. Do you need a second job or a second look at your spending4. Should I wait or make the jump in 2024. Government loans, dependencies on seller credits for closing costs, zero down loans etc.Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2023 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

Special Guest: Craig BlackWhat is an appraisal?Major differences in FHA/VA/Conventional appraisalsSubject to repairs, things sellers can to to prevent needing repairsComps: how far back and what qualifies as a comparable sale?How many comps are required? Is this different for refi or purchase?What is your prediction for the future of appraisals? Will automation play a role? Will human appraisers still be used?Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2023 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

Special Guest Tyler Ross1.) Why do insurance costs continue to soar.2.) How insurance can terminate transactions and prevent you from buying a home.3.) Your personal insurance credit score?4.) Is it better to get a deal or pay full premium. Tips and tricks from TylerAddison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2023 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

Special Guest Jennifer Blankl 1. How does money impact our emotions, mindset and relationships 2. Different Perspectives and different Human Needs 3. Resentment playing a role in how we spend our money 4. Rich vs. Poor 5. Culture in this Country & Family Dynamics Link for Jenn's Human Needs Evaluation Quizhttps://jenniferblankl.com Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2023 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

What is an overlay? Why do I get two different answers from two different companies?Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterScott KuraharaMortgage Loan OriginatorNMLS 888734New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/scottkuraharaNew American Funding NMLS #6606© 2023 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

The 2024 new conventional loan limits are now accessible in October of 2023. What you need to know from the fine print.Jumbo vs Conventional LoanGuidelines and qualifications. The breakdowns of buying a very expensive house and how to qualify for it.Setting a budget to have the least amount of competition when buying a home.Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2023 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

Below are the main topics Carp and Addy cover in today's POD.Holiday BudgetingHolidays are around the corner. Thoughts on budgeting and how to use your money to make you money.Condos & HOAsWhat to know about condos and how HOAs work. Seems bad but could be a good thing.Bad Pre ApprovalsBreaking down the most common issues with people not getting pre approved or having a bad approval prior to buying a house.Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2023 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

Student Loans, back to paying. How this impacts the pre approval process when buying a homeHome equity lines of credit vs. Home equity loans. You options to potentially consolidate your debt using your home equity. Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettNew American Funding NMLS #6606© 2023 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

Part 1. Large percent of Listings are due to employers demanding people to be back in the office. Remote work approvals and the details that must be verified.Part 2. Real Estate Investors pull back. Can't remember the last time I saw a successful flip.Addison NettMortgage Loan OriginatorNMLS 1542184New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterMortgage Loan OriginatorNMLS 1548123New American FundingWebsite/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterNew American Funding NMLS #6606© 2023 New American Funding, LLC. All Rights ReservedNMLS Website:https://www.nmlsconsumeraccess.org/

Part 1. Differences in offer negotiating price and closing costs now compared to Hot markets.Part 2. Inspection periods: finally, fix it or get paidPart 3. Appraisals and the final re-negotiationPart 4. New Construction: bewareAddy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenter

Part 1What will happen when rates drop?Part 2Don't wait for the interest rate you wantPart 3Appraisal Issues in certain markets and a particular price point.Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenter

Part 1Homeowners are applying for equity lines of credit without success.Part 2There's a difference between what your home is worth if you sell it and if you are attempting to extract equity.Part 3Credit card balance issues continue across America. What you need to know and how to manage your debt and position.Part 4The government revised their GDP numbers. Does this give us hope or evidence of corruption?Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenter

Today, Casey and Addy chat through some of the current Media Negativity towards Real Estate and Interest Rates. This episode focuses on explaining the negative media and dumbing down the industry's emotions into actionable tips you can use today.Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenter

Casey and Addy chat through the dos, do nots, and best mindset when considering how to spend your money when it comes to home improvement projects.Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenter

Casey and Addy discussing the current buyers and sellers closing in the market. Why are these buyers moving and how are they finding cash to buy?Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenter

Casey and Addy discuss Debt Ceiling Drama. Does it impact Real Estate and Mortgage or is it just media drama? What to do with your money when you are waiting on the sidelines and much more from the MLO team today.Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenter

In the episode we are breaking down the most common reasons Real Estate Transactions fall apart. This insight can bring valuable tips on how to prevent you from not getting your home and washing money down the drain!Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenter

Over the past 12 months we have seen closing costs nearly double. This could add an additional 5k-10k to the overall cost to purchase a home. Addy and Casey go over different approaches to potentially save thousands of dollars on your closings costs as well as positioning yourself to have a more competitive offer!Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenter

Hey everyone, sorry for the being away. MLO crew has been traveling and absorbed with this crazy market. Today Casey and Addy go over the market update with higher interest rates, pro tips on buying and selling as well as the warnings of buying New Construction Homes!Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenter

In this episode we discuss the biggest changes in Real Estate since the PANDEMIC years of fire and chaos. These 5 points could be the reason you should wait or push up your timeline to purchase a property.Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterScott KuraharaNMLS 888734Website/ Contacthttps://www.newamericanfunding.com/mortgage-loans/scottkurahara

Mixing up today's topic with a broader stroke. Money saving, money management and money mindset. This episode is relatable for all people. All three guests are not financial advisors. They are speaking from personal experience themselves with light from a combined decades of mortgage and real estate experience. Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterScott KuraharaNMLS 888734Website/ Contacthttps://www.newamericanfunding.com/mortgage-loans/scottkurahara

Down Payment Assistance Loans? The good, the bad and the ugly. Today the MLO squad breaks down all you need to know about Down Payment Assistance Loan Programs.Addy NettNMLS 1542184Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterScott KuraharaNMLS 888734Website/ Contacthttps://www.newamericanfunding.com/mortgage-loans/scottkurahara

Today we are talking about the most common myths of real estate. Unfortunately, what you heard at that back yard BBQ might not be true!Addy NettAddy NettNMLS 1542184 Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterScott KuraharaNMLS 888734Website/ Contacthttps://www.newamericanfunding.com/mortgage-loans/scottkurahara

Very common scenario in this buyers market. How to I buy without selling. Addy, Casey and Scott breakdown the options, tips and strategies to leverage your current asset and income and buy that new home without selling your current property.Addy NettNMLS 1542184 https://www.newamericanfunding.com/mortgage-loans/addisonnettCasey CarpenterNMLS 1548123Website/Contacthttps://www.newamericanfunding.com/mortgage-loans/caseycarpenterScott KuraharaNMLS 888734Website/ Contacthttps://www.newamericanfunding.com/mortgage-loans/scottkurahara

Today the MLO squad discusses actual buyers in this high interest rate market!