The Three C's of Home Buying

Good - Bad - Ugly

What 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 Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/

- Impacts of credit and how to manage

- Small steps toward better financial health

Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/

- Is the data completely manipulated?

- What to expect moving forward

- Wait or take action?

Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS 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 news

New Options for Bridge Loans and Re-Casting of your mortgage to reduce payments

Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/

What to expect post FED's meeting

Most commonly asked questions this week:
- Renovation Loans
- Waiting or Buying Now
- Refinancing and Credit Card Debt
- Build Your Own Home???

Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS 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 Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS 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 spending

4. Should I wait or make the jump in 2024. Government loans, dependencies on seller credits for closing costs, zero down loans etc.

Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/

Special Guest: Craig Black

What is an appraisal?

Major differences in FHA/VA/Conventional appraisals

Subject to repairs, things sellers can to to prevent needing repairs

Comps: 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 Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/

Special Guest Tyler Ross

1.) 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 Tyler

Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS 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 Quiz

https://jenniferblankl.com 


Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/