Tracy Miklas - Loan Consultant

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Coon Rapids, MN
Tracy Miklas - Loan Consultant

dba New American Funding (NMLS #6606). I truly value each client that walks into my office.

Tracy Miklas, NMLS #197881
Equal Housing Opportunity
New American Funding NMLS #6606
The views expressed on this site are those of the individual author and do not necessarily represent
those of Broker Solutions, Inc. Since 1997— after graduating from Saint Cloud State University for Business Management—it has been my privilege to help people achieve their dreams of homeownership. No matter the ci

rcumstance, I put my best foot forward; there is no challenge I am afraid of or will avoid as long as it means I can help others. With that, my clients are treated with respect, honesty, loyalty, and will be well-informed throughout the entire transaction. The dedication and hard work I devote to each client results in long-lasting relationships and overall positive experience. That’s why past clients, Real Estate Agents and other financial professionals continue to refer me to friends, family, clients and co-workers. By trusting me with your home financing, I can assure you I will do my best to bring ease to the process from loan application through

09/02/2026

Think of it as your homebuyer checklist! From W-2s to bank statements, getting your documents together is an important first step toward homeownership. 🔑

NAF is here to help you understand what you need and guide you along the way! Reach out today. 📩

08/28/2026

The difference between renting and owning can go beyond your monthly payment.

Renting means paying for a place to live. Owning gives you the opportunity to build equity and create long-term value in an asset you own. 🏠📈

Not sure if you’re ready? That’s okay. NAF is here to help you understand where you stand and what steps could come next. Reach out and let’s explore your options together!

08/26/2026

Are today’s mortgage rates really “high”? They may feel high compared to the record-low rates many buyers saw during the pandemic, but historically, mortgage rates have often been higher than what we’re seeing today.

That’s why waiting for those ultra-low rates to return may not be the only way to improve affordability. 💡 Buyers may have other options, including builder incentives, rate buydowns, ARMs, or assumable mortgages, depending on their situation.

At New American Funding, we’re here to help you look beyond the rate and understand the bigger picture. 🔑📲 Wondering what options could make homeownership more affordable for you? Let’s talk!

08/25/2026

What could your rent payments be building for you? 🏠

Instead of paying toward your landlord’s investment, homeownership can give you the opportunity to build your own equity over time. 🔑

NAF is here to help you understand your options and take the next step.

💬 Ready to see what buying could look like for you? Let’s talk!

08/20/2026

Homeownership can be about more than having a place to live.

The numbers in this graphic highlight a major difference between renting and owning: home equity can become an important part of your financial picture over time.

As you make mortgage payments and build equity in your home, you may be creating an asset that can contribute to your long-term financial goals. 💙

That doesn’t mean buying a home is the right choice for everyone, but if you’re currently renting and wondering whether homeownership could make sense for you, it’s worth understanding your options.

At New American Funding, we’re here to help you understand your financing options, what you may qualify for, and what that next step could look like.

💬 Ready to see what your path from renter to homeowner could look like? Send me a message!

08/19/2026

Selling your home shouldn’t have to happen before you can start shopping for your next one.

If you’ve built equity in your current home, you may be able to use that equity to help bridge the gap between buying and selling.

NAF Bridge is designed to help eligible homeowners purchase their next home before selling their current home, with no monthly payment until the existing home sells, for up to 12 months. 🏠➡️🏠

That could mean less pressure to coordinate two major transactions at exactly the same time.

With requirements such as 36+ months of homeownership and a 700 minimum credit score, this program may be worth exploring if you’re ready for your next chapter.

📩 Curious if you could qualify? Reach out and let’s talk through your options.

08/18/2026

You don’t need to know everything about mortgages to take the first step toward homeownership.

If you've been hesitating because of something you've heard about buying a home, pause before counting yourself out. 💭

Mortgage guidelines and loan options have evolved, and your path to homeownership will depend on your individual finances, goals, and circumstances.

The best place to start isn't with assumptions. It’s with information. 📚🏡

At New American Funding, we believe you deserve to understand your options clearly so you can make decisions with confidence, not fear.

💙 Ready to replace the “I don’t think I can” with “Let’s find out”? Reach out and let’s start the conversation.

📌 Save this post so you can come back to these reminders whenever you need them!

08/14/2026

Don't let headlines dictate your homeownership journey! 🗺️ The market is shifting, and that means more value for savvy buyers. By focusing on a monthly payment you're comfortable with, you can navigate the current landscape with confidence. The real value is in finding a home that fits your financial goals, and we can help you do just that.

Find out what you can comfortably afford! Contact us today for a personalized consultation. 💰

08/13/2026

Think the housing market has come to a standstill? Think again.

While the pace of the market has changed in some areas, homes are still being bought and sold every single day. 🔑

More than 4 million homes are expected to sell this year, which means thousands of buyers are finding the right opportunity every day.

✨ The market may look different, but opportunity is still available.

✨ More homes can mean more choices.

✨ More flexibility can help you find a home that fits your goals.

The right time to start exploring your options is when you’re prepared, not when you feel pressured.

📲 Ready to see what opportunities are available in today’s market? Let’s start the conversation and help you plan your next move.

08/11/2026

Thinking about buying a home in today’s market? Getting prepared early can make a big difference.

With more inventory, increased flexibility, and new opportunities for buyers, the right financing strategy can help you compete when the right home comes along. 🔑

Many buyers start with a pre-qualification, but it’s important to understand the difference:

A pre-qualification is based on self-reported information and does not include verification of your financial details.

A New American Funding Approved pre-approval includes a review of your credit, income, and assets by an underwriter, helping show sellers you are a qualified and serious buyer. ✅

Whether you’re a first-time homebuyer or planning your next move, understanding your options is the first step.

📲 Reach out today to begin your homebuying journey with confidence!

Address

10160 Foley Boulevard NW, Suite 200
C**n Rapids, MN
55448

Telephone

+17632356314

Website

http://www.nafhomes.com/TracyMiklas

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