Steve Rice

Sales Manager NMLS #343634
Equal Housing Opportunity
New American Funding NMLS #6606 WELCOME HOME, YOU BELONG HERE. TIME FOR A CAREER CHANGE?

Cambria is a privately held, family-owned company with an entrepreneurial vision. As a family-run business with deep Minnesota roots, we are committed to building strong relationships. We offer easy-to-understand, innovative mortgage solutions. Combined with highly competitive rates and personal hometown service, you can rest assured you are entrusting your home financing with those who rank among

st the most highly qualified and ethical in the lending industry. A BIT ABOUT ME
In my 25+ years in the mortgage industry, I’ve found that for some a home is one of the largest financial commitments a person will make during their lifetime. I take pride in helping clients realize that a home not just another monthly payment, but rather a valuable financial tool. The best part of my job is helping people achieve the dreams and plans they envision for their future. When I am out of the office, you can find me fishing on the lake, cruising in my 1963 Corvair or hanging out with my wonderful wife and two daughters. I like to find time to give back to the community through the C**n Rapids Rotary Club as well. If you are a motivated individual seeking a rewarding opportunity in a fast paced environment, Cambria is the place for you. Let’s connect, I’d be happy to give you more details of all Cambria has to offer. THE CAMBRIA ADVANTAGE
Industry leading compensation including sales incentive trip
Comprehensive product set with very competitive pricing
Strong marketing support from our in-house marketing agency, including lead generation
Unparalleled benefits package including medical and employer matched 401k
Experienced processing and underwriting staff on site
State-of-the-art tools and tech support
Seasoned management team made up of industry veterans

Mortgage Consultant serving home owners, home buyers and residential real estate investors. Equal Housing Lender, Cambria Mortgage NMLS # 322798. I am a licensed mortgage originator, NMLS #343634, and am licensed to originate mortgage loans in: Minnesota. To learn more, visit me at http://www.steverice.net/
Lending services may be provided in certain states by Cambria Mortgage NMLS # 322798. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. The information here may not be up-to-date and may no longer be accurate. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report.

06/02/2026

From rejected ❌ to accepted ✅ — step into the power of a cash buyer without actually being one. With NAF Cash, you can compete in today’s toughest bidding wars, win like an investor 🏡💰, and potentially save money while sellers see the strength of a cash offer. Ready to level up your offer? Let’s connect 📲

05/20/2026

Deals don’t wait — and neither should you. 🏡✨
At NAF Cash, we help open doors others can’t. Ready to close more deals with confidence?

05/19/2026

A HELOC can be a powerful financial tool when you understand how it works. Unlike a traditional loan, a Home Equity Line of Credit gives homeowners flexible access to funds using the equity they have built in their home. It can be used for renovations, debt consolidation, emergencies, or major expenses, but it is important to understand variable rates and responsible borrowing. 🏡💡

Learning the facts about HELOCs can help you make confident and informed financial decisions.

05/15/2026

Did you know that 72.6% of buyers are putting down 10% or less when purchasing a home? 🏡📊 That means most buyers are NOT waiting years to save a 20% down payment, they’re using smart strategies to get into homes sooner.

In today’s housing market, there are powerful tools that can help make homeownership more accessible than ever:

✨ Down Payment Assistance Programs – grants or programs designed to help cover part of your upfront costs

✨ Low Down Payment Mortgage Options – allowing qualified buyers to purchase with as little as 3%–5% down

✨ Seller Negotiations & Credits – sometimes sellers can help cover closing costs, reducing your cash needed upfront

The truth is, waiting to save a large down payment can keep you on the sidelines longer than necessary. These programs are designed to bridge the gap between renting and owning 💡

At New American Funding, our loan officers work closely with homebuyers to break down these options in a simple, supportive way, so you can move forward with confidence, not confusion.

If homeownership has felt out of reach, it may be closer than you think 🏠✨📩 DM me to explore your options or ask questions about getting started!

05/13/2026

If you have been waiting to buy because you are hearing “rates will drop,” “inventory is too high,” or “prices are crashing,” it is time to take a closer look at what is really happening. These are the three biggest misconceptions in today’s market, and they are holding a lot of buyers back. 🔍🏠

Mortgage rates may improve over time, but a dramatic drop is not what experts are forecasting right now. Inventory is rising, but that is actually creating opportunity for buyers to have more choices and negotiate. And home prices? They are not falling across the board. Most areas are still seeing growth, just at a more sustainable pace.

Buying a home is not about timing the market perfectly. It is about making the right move for your life and your finances. When you have the right guidance, the process becomes a lot less overwhelming and a lot more empowering. Let’s talk about what is possible for you today. 🔑

05/12/2026

There is a lot of noise in today’s housing market, and it is easy to feel unsure as a first time homebuyer. But let’s clear something up. Not everything you are hearing online reflects what is actually happening. The truth is, three of the biggest fears right now are based more on headlines than facts. 📊🏡

First, mortgage rates are not expected to drop dramatically overnight. Most forecasts show them staying relatively steady, not crashing down. Second, while there are more homes for sale than last year, inventory is still below what we would consider a fully balanced market. That actually gives buyers more options without flooding the market. And third, home prices are not crashing. What we are seeing is a shift toward a more normal, steady pace after years of rapid growth.

The key takeaway? Do not let fear or misinformation delay your goals. The market is stabilizing, not collapsing. If you want clarity and a strategy that fits your situation, it starts with understanding your options. Let’s connect and map out your next step with confidence. ✨

05/05/2026

Good news for homebuyers: buying a home is becoming more affordable in most markets — yes, even with today’s rates.

Here’s what’s happening 👇

More homes are hitting the market 📈 + inventory is rising = more options and negotiating power for YOU.

That means less pressure, more choices, and a better chance to find the right home at the right terms. 💡As a mortgage lender, I’m seeing buyers step back into the market with more confidence because affordability is improving compared to last year—and that’s a big shift. If you’ve been waiting for the “right time,” this spring market might be closer than you think. 🌸

Ready to see what you qualify for? DM me and let’s build your homebuying plan.

05/01/2026

Lower your monthly payment upfront and ease into homeownership with a buydown option. More flexibility = more opportunity. 🏡 Want to see your numbers? Let’s connect!

04/29/2026

You can’t control mortgage rates but you CAN control your strategy. And that’s where smart homebuying starts. As a mortgage lender, I always remind buyers: your credit score, your loan options, and your timeline have a direct impact on what you qualify for and how confident you feel making an offer. 📊

✨ Improving your credit can help unlock better mortgage rates

✨ Exploring different loan programs can open doors you didn’t know existed

✨ Choosing the right timing (when YOU are financially ready) puts you in control of the process

The market will always shift but your preparation is what sets you apart. When you focus on what you can control, you move from “hoping” to homeownership with a plan. 🔑 Ready to take control of your homebuying journey? Let’s Connect!

04/27/2026

Moving into your new home should feel exciting — not overwhelming 🏡✨

Did you know you don’t have to spend hours setting up utilities, internet, and home services? With concierge support, everything from electricity to smart home security can be handled for you — saving you time, stress, and even money 💡

Think of it as your personal home setup assistant, so you can focus on what really matters—settling in and making memories ❤️👉 Ready for a smoother move? Let’s connect and make your homebuying journey effortless!

Address

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

Website

http://www.steverice.net/

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