Expert guidance, real-time rate comparisons, and a local loan officer who actually picks up the phone. No fluff, no hidden fees.
Whether you're buying your first home, refinancing, or a veteran — there's a loan designed for your exact situation.
Ideal for buyers with solid credit (620+) and 3–20% down. No upfront mortgage insurance with 20% down. Best rates for strong profiles.
Min 3% DownGovernment-backed loan with flexible credit requirements. Great for first-time buyers who need a lower down payment and have less-than-perfect credit.
Min 3.5% DownZero down payment for eligible veterans and active duty military. No PMI, competitive rates, and no maximum loan amount for qualifying borrowers.
0% Down100% financing for eligible rural and suburban properties. Often overlooked — many suburbs qualify. No down payment required.
0% DownLower your rate, reduce your monthly payment, or pull cash out from your equity. We'll run the numbers to see if a refi makes sense for you.
Rate & Term / Cash-OutBank statement loans and DSCR options for business owners and real estate investors. We qualify on cash flow, not just W-2s.
Alt Income DocsA simple, transparent process designed around your schedule — not ours.
15-minute strategy call. We learn your goals and give you a clear picture of what you qualify for.
Same-day pre-approval letters available. No hard credit pull until you're ready.
Shop with confidence knowing exactly what you can afford and with a strong offer letter in hand.
We guide you through underwriting, appraisal, and closing. Clear communication the entire way.
Most buyers fall in love with homes before knowing what they can afford. Use this calculator to set your real budget — then book a call to lock in your actual rate.
We've done the research. Here's how the major lenders stack up — so you can make an informed decision.
| Lender | 30-Yr Rate | APR | Min Down | Min Credit | Best For | Action |
|---|---|---|---|---|---|---|
| New American Funding LOCAL EXPERT | Call for Rate | Personalized | 3% | 580 | All loan types, local expertise | Book a Call → |
| LendingTree | 6.74% | 6.98% | 3% | 620 | Rate comparison shopping | Compare Rates → |
| Credible | 6.71% | 6.95% | 3% | 620 | Refi & purchase comparison | Check Rates → |
| Rocket Mortgage | 6.99% | 7.24% | 3% | 580 | Fast online process | Get Quote → |
| SoFi | 6.89% | 7.12% | 3% | 650 | Strong credit borrowers | See Rates → |
| PenFed | 6.62% | 6.88% | 0% | 650 | VA loans, credit union members | Apply → |
* Rates shown are estimates for illustrative purposes and change daily. Contact us for your exact rate. NMLS #2715998
No paid actors — just buyers who closed on time and felt informed the whole way.
"Pre-approved in under 24 hours and closed in 19 days. Parker answered every text himself, even on a Saturday."
"I didn't know I qualified for $0 down as a veteran until Parker walked me through it. Saved me $14,000 at closing."
"Refinanced and dropped my rate by 0.8%. The whole process took two weeks and I never had to chase anyone for updates."
Straight-talk mortgage education written for homebuyers — not bankers.
From pre-approval to closing day — everything you need to know about buying your first home.
The exact moves that move the needle fast — and what NOT to do in the 90 days before you apply for a mortgage.
Zero down, no PMI, competitive rates — and most veterans don't realize how powerful this benefit actually is.
Get a free, personalized rate quote with no credit pull required. Most buyers are surprised by what they actually qualify for.
No credit pull. No obligation. Just real numbers.
By submitting, you agree to be contacted by a licensed mortgage professional. NMLS #2715998. New American Funding.
Focused exclusively on helping buyers navigate the mortgage process with clarity and confidence.
At New American Funding, I have access to 40+ loan programs — including FHA, VA, Conventional, USDA, and DSCR for investors. Whether you're buying your first home or your fifth, I'll find the right loan for your exact situation.
My job isn't to push you into a loan — it's to educate you so you make the best financial decision for your family.
These ad concepts are built for your exact funnel — click the tabs to preview each platform's ads.
Headline: What's Your Real Mortgage Rate?
Body: Homebuyers — stop guessing. Get a personalized rate quote in 60 seconds with no credit pull. See exactly what you qualify for today.
CTA: Get My Free Rate Quote
Target: National, 25–45, homebuyer interest
Headline: 3 Mistakes First-Time Buyers Make
Body: Most buyers start house hunting before getting pre-approved — and it costs them their dream home. Read our free guide before you start shopping.
CTA: Read the Free Guide
Target: National, 25–40, renters, first home
Headline: Veterans: $0 Down. No PMI.
Body: You earned the VA loan benefit. Use it. Buy a home with zero down payment and no private mortgage insurance. Book a free call today.
CTA: Check My VA Eligibility
Target: US veterans, military, 25–55
"Here's something your bank doesn't want you to know: on a $350,000 home, the difference between a 620 credit score and a 760 credit score is literally $347 per month in your mortgage payment. That's over $4,000 a year. So before you start house hunting, check your credit and let me show you how to raise it fast. Link in bio for a free strategy call — no credit pull required."
"If you've served in the US military and you don't know about the VA loan, stop everything and watch this. You can buy a home with zero — zero — dollars down. No private mortgage insurance. Competitive rates. I've helped dozens of veterans use this benefit and most of them had no idea it existed. You earned this. Use it. Link in bio."
"The number one mistake first-time buyers make: they fall in love with a house before they know what they qualify for. Then the seller picks someone else's offer because it came with a pre-approval letter. Get pre-approved first — it takes 24 hours, it doesn't hurt your credit, and it means sellers take you seriously. Book your free call through the link in my bio."
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