Chacha, New American Funding

04/07/2025

Make your dream home a reality with the power of cash! 💰🏡 With NAF Cash, you can buy with confidence, skip contingencies, and even move in before selling your current home. Ready to make a winning offer? Let’s talk!

04/04/2025

Green flags only when house hunting! 🏡🚩 If you spot any of these red flags, don’t ignore them—they could signal bigger issues. Do your due diligence and ask the right questions! Need guidance? I’m here to help!

04/02/2025

A partnership built on trust! 🤝 As your lending partner, I provide real estate agents with unique loan solutions tailored to every client's needs. Let’s work together with transparency, integrity, and personalized service to help more buyers achieve homeownership!

04/01/2025

Reminder to stay on your toes today! Beware of jokes, pranks, and tricks - Happy April Fools Day!

03/31/2025

With NAF Cash, the benefits far outweigh the potential drawbacks for buyers. The strength of an all-cash offer gives you a clear edge in competitive markets, reducing the chances of losing out to other bids. Connect with me to learn more today!

03/28/2025

Would you consider living with your family? More and more families are choosing to buy a home together not only for the economic benefits, but for the emotional and logistical support as well. Swipe through to learn why this may be a practical option for your homeownership journey.

03/26/2025

🏡 Remodel or Relocate? The Great Debate! 🏡

Thinking about upgrading your living space? Whether you choose to renovate your current home or move into a new one, I’ve got the right loan solution for you! 💰✨

Let’s find the best option to fit your needs—contact me today! 📩📞

03/24/2025

Just 50 years ago, buying a home looked very different for women. From landmark laws like the Equal Credit Opportunity Act of 1974, which allowed women to apply for credit without a male co-signer, to modern-day homeownership trends — we've come a long way!

01/14/2025

Understand The Differences: HELOC vs Cash-Out Refinance

In just two minutes, you'll get a clear idea!

HELOC vs Cash-Out Refinance Whats The Difference

01/09/2025

FHA Loan Limits in 2025.

You need 3.5% down payment for a FHA loan while for a conventional loan, you may need 3% down payment only.

Many people still think you need a minimum of 3.5% down payment to buy a home. In fact, for some first time homebuyers, they may even be qualified for no down payment loan (down payment assistance program) OR for $0 down payment for VA loan for eligible veterans and surviving spouses. Of course, if you want to buy a very expensive home, you will more likely need a lot more down payment.

It's good enough to know what's available. You may not need to get into all the details. If you find a loan officer you trust, he/she will do all the work for you. Let him/her do the job for you. You may always ask what your loan options are and they'll be able to explain to you the different options, what they recommend you to go for and why they suggest so.

Choose wisely and your road to getting the home loan will be a hassle-free. No surprises. No stress.

01/08/2025

Understanding Mortgage Rates in 2 minutes.

Understanding Mortgage Rates

01/04/2025

NEW Conventional Loan Limits for 2025.

In 2024, with 3% down payment, you can buy a home (1 unit property, i.e condo, town home or single family home) up to $790,257; it's now increased to $831,443 with 3% down payment since the maximum conforming limit is $806,500.

For those of you who want to buy a higher price home (hence, you need higher loan amount), you'll need a minimum 5% down payment. In 2025, you can buy up to $1,273,421 purchase price with 5% down payment as the maximum loan is $1,209,750 for 1 unit property!

Things are getting more expensive each year; home prices are higher each year too - which can reflect in the increased loan limits each year to make home purchase more practical for home buyers.

If buying a home is in your plan, you can start the pre-approval to understand how the mortgage loan process works and know what you can buy within your budget. If you find out, you're not so ready, I can help you figure out what to do to be ready to buy in a year or two.

I'm here to help! Just call me at 936.362.8954. Please do not message me in messenger as they get missed out and my responses may be delayed.

Happy new year to you and your family!

-Chacha
call/text: 936.362.8954
email: [email protected]

10/29/2024

📌📌📌Just for a perspective if you are to buy $800K - $1M home with 20% down payment at different interest rates. 📌📌📌

💰When rates are considered high, many buyers are on the fence and will wait until rates are lower.

💰When more buyers are out hunting for homes as rates are low, they bid at higher and higher to get the houses.

Many people obviously want to buy at the lowest possible interest rate and some people are even waiting for the market crash. I'm not sure if this will happen. And even if there'll be a real estate market collapse, real estate is still proved to be long term wealth generating assets. Prices may go down for a short period of times but historically they will go up after market improves.

♦️On average, home prices are historically 3-5% higher each year in different areas in the US.♦️

Please remember, when you buy a home, you're not married to the mortgage loan. You can refinance after making 6 months of payments and there is no prepayment penalty.

10/09/2024

📬 Attention California Homeowners! 🏡

Property tax bills are officially out in many counties across California! If you do not have an impound account, it’s essential for you to make your payment on time to avoid any penalties. The due date for the first installment is December 10th! ⏰

Make sure to check your mailbox for your property tax bill and take note of the amount due. 💰✨

If you have any questions or need assistance with your payment options, feel free to reach out!

10/09/2024

🏡 Why Every Homebuyer Should Get Preapproved! 🔑

Are you thinking about buying a home? Here’s why getting a mortgage preapproval should be at the top of your to-do list:

📌Know Your Budget: Preapproval gives you a clear idea of how much you can borrow, helping you set a realistic budget for your home search.

📌Strengthen Your Offer: A preapproval letter shows sellers that you are a serious buyer, making your offers more attractive in a competitive market!

📌Faster Closing: With much of the paperwork already done, having a preapproval can significantly speed up the closing process once you find your dream home.

📌Spot Potential Issues Early: The preapproval process allows you to identify and address any financial hurdles before you start house hunting, saving you time and stress.

📌Increased Negotiation Power: Sellers are often more willing to negotiate with preapproved buyers, knowing that they are more likely to close the deal.

Don’t let uncertainty hold you back! Get preapproved today and take the first step toward owning your new home. 🏠✨

Ready to start your journey? Let’s connect!
📞 Chacha 936.362.8954

09/20/2024

Our 5-year pledge allows homebuyers to buy now and save later when refinancing their homes.

Be strategic in today’s housing market. Buy when you find the home for you, knowing you can refinance without repeat lender fees with our 5-Year Rate Protection Pledge!

09/19/2024

For individuals who own a home in California and hesitate to move because of potential higher property tax payment, it's good to understand about Proposition 19 and see if you're qualified or will be qualified.

I'm a mortgage loan consultant who can help you connect with great local real estate agents and help walk you through the home buying process. Together, we work with your best interest in mind.

Contact me to get pre-approved or for mortgage loan consultation via
☎️ 936.362.8954
📨 [email protected]

Credit: Old Republic Title Company