Tracy Miklas - Loan Consultant

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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 circumstance, 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

10/16/2026

Scared of buying a home? 🎃👀

Homebuying can feel spooky, but renting forever comes with its own tricks. Homeownership may offer more stability, the opportunity to build equity, and a place you can truly call your own. 🔑🏡

Don’t let fear keep you from exploring your options. Are you ready to see if homeownership is right for you? 👻

What if you could make the first few years a little easier? 🏡💰 A temporary mortgage rate buydown can lower your interest...
10/15/2026

What if you could make the first few years a little easier? 🏡💰

A temporary mortgage rate buydown can lower your interest rate for a set period, such as one, two, or three years. A 2-1 buydown, for example, lowers the rate by 2% the first year and 1% the second year before returning to the original rate. 📉

It could be an option worth exploring, especially if a seller or builder is willing to help cover the upfront cost. Curious what the numbers could look like for you?

The Mortgage Rate You See Online May Not Be Your Rate! Before putting your homebuying plans on hold because of mortgage ...
10/13/2026

The Mortgage Rate You See Online May Not Be Your Rate!

Before putting your homebuying plans on hold because of mortgage rate headlines, remember that your personal financial situation matters! 🏡

Lenders consider factors like your credit score, income, existing debts, down payment, and loan type when determining your mortgage options. Getting pre-approved can help you understand what you may qualify for and what your monthly payment could look like.

At NAF, we’ll help you explore your options, understand the numbers, and make an informed decision about when to buy. 🤝

Curious about your buying power? Connect with a loan officer to explore your options!

What if your monthly housing payment could help you build something of your own? 👀🏡 Homeownership may provide an opportu...
10/08/2026

What if your monthly housing payment could help you build something of your own? 👀🏡 Homeownership may provide an opportunity to build equity over time. I’m here to help you explore what’s possible.

Seeing mortgage rates above 7% can feel discouraging, but context matters. 👀🏡 The housing market has experienced higher ...
10/07/2026

Seeing mortgage rates above 7% can feel discouraging, but context matters. 👀🏡 The housing market has experienced higher rates in recent years, and there may still be ways to make your homebuying numbers work. Message me and let’s build a plan around your situation. 🔑

Could buying a home this fall help you save? 🍁 Realtor.com predicts that September 27–October 3 could offer homebuyers a...
10/02/2026

Could buying a home this fall help you save? 🍁 Realtor.com predicts that September 27–October 3 could offer homebuyers a combination of lower asking prices, more available listings, and less competition compared to the peak spring and summer buying seasons.

In fact, home prices during this period are projected to be approximately 3.5% below their seasonal peak, potentially representing around $14,000 in savings on a median-priced home. While actual savings vary by location and property, a less competitive market may also give buyers more opportunities to negotiate on price, closing costs, or other terms.

Before you start shopping, understanding your mortgage options and getting pre-approved can help you make informed financial decisions. 📋

Let’s connect to explore your financing options and prepare for your next move!

Closing costs are more than just your down payment. When you purchase a home, you may also have costs connected to the l...
09/30/2026

Closing costs are more than just your down payment.

When you purchase a home, you may also have costs connected to the lender, title services, prepaid items, appraisal, inspections, government recording, and escrow reserves. 🏡

Understanding these expenses early can help you create a more realistic homebuying budget. At NAF, we’re here to walk you through the numbers and help you understand what you may need to bring to closing.

Want to better understand your potential homebuying costs? Let’s talk!

09/29/2026

Your next home doesn’t always have to wait for your current one to sell.

NAF Bridge may help eligible homeowners access equity from their current property to purchase their next home, with no monthly payment until the current home is sold, up to the program limit. 🏡 It may be an option for homeowners who have owned their home for at least 36 months and meet other qualifications. Talk with a mortgage professional to see if you qualify.

Sometimes the first step toward homeownership is simply knowing who to ask. 💬🏠 Connect someone you care about with NAF f...
09/24/2026

Sometimes the first step toward homeownership is simply knowing who to ask. 💬🏠 Connect someone you care about with NAF for personalized mortgage guidance from start to finish. Reach out today!

Address

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

Telephone

+17632356314

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