Kelley Laird - New American Funding

Kelley Laird - New American Funding New American Funding NMLS #6606 is a direct lender offering home loan programs. Broker Solutions Inc

Kelley Laird
Marketplace Home Mortgage
Loan Originator
NMLS #: 1029739
Direct: 954.654.4605

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Think of prequalification as the “starting point” and preapproval as the “ready to buy” step. 📈 Prequalification often u...
06/02/2026

Think of prequalification as the “starting point” and preapproval as the “ready to buy” step. 📈 Prequalification often uses a soft credit pull and gives you an estimate, while preapproval verifies your income, credit, and documents to show sellers you’re a serious buyer. ✨

Knowing the difference can help you feel more prepared before you start house hunting.

Self-employed? Gig worker? Freelancer? You may still qualify for a home loan. 💼🏡 Many buyers assume non-traditional inco...
05/28/2026

Self-employed? Gig worker? Freelancer? You may still qualify for a home loan. 💼🏡 Many buyers assume non-traditional income means homeownership is out of reach, but there are flexible mortgage solutions available that could help. At New American Funding, we believe every buyer deserves education, support, and personalized guidance throughout the process. No matter where you are in your journey, learning your options is a powerful first step.✨

Buy like a cash buyer, even if you’re financing later 🏡💡. With NAF Cash, your dream home is purchased upfront so you can...
05/27/2026

Buy like a cash buyer, even if you’re financing later 🏡💡. With NAF Cash, your dream home is purchased upfront so you can move in faster, compete easier, and transition into financing on your timeline ⏳✨. Less stress, more winning. Let’s make your offer stand out 📲

A HELOC can be a powerful financial tool when you understand how it works. Unlike a traditional loan, a Home Equity Line...
05/25/2026

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.

Want to help your home closing go faster? Keep your finances steady during the process. 💳 Avoid opening new credit cards...
05/21/2026

Want to help your home closing go faster? Keep your finances steady during the process. 💳 Avoid opening new credit cards, making large purchases, or changing jobs while your loan is being finalized. Small financial changes can create delays. At New American Funding, we’re here to help make the process simple, clear, and stress-free. 🔑 A little preparation now can make a big difference when it’s time to get the keys.

What if your financed offer could compete like cash? 💥 With NAF Cash, buyers can gain the confidence and competitive edg...
05/20/2026

What if your financed offer could compete like cash? 💥 With NAF Cash, buyers can gain the confidence and competitive edge sellers are looking for without paying all cash upfront. That means fewer obstacles, stronger offers, and a smoother path home. 🏡 Make your next offer your last. Exploring your options today could help you win tomorrow’s dream home.

Your home could do more than provide a place to live. It may also provide financial opportunities when used wisely. A ca...
05/19/2026

Your home could do more than provide a place to live. It may also provide financial opportunities when used wisely. A cash-out refinance allows eligible homeowners to access equity and put it toward meaningful goals like debt consolidation, home projects, or emergency expenses. 💡🏡

At NAF, we believe in personalized guidance and helping homeowners feel empowered throughout the process. If you are curious about your options, we are here to help you navigate the next step with confidence. ✨

What if one conversation could save you thousands before you even buy your first home? A recent survey found that 85% of...
05/14/2026

What if one conversation could save you thousands before you even buy your first home? A recent survey found that 85% of homeowners wish they had known key money-saving strategies before starting the process. And one of the biggest surprises? You do not need 20% down to buy a home. 🏡💡

In fact, most buyers today are putting down far less, and many qualify for down payment assistance or low down payment loan options. Yet over 20% of homeowners said they wish they had known about these programs earlier. That is a missed opportunity that could have helped them buy sooner and with more confidence.

Homeownership is not about having everything perfect upfront. It is about having the right guidance, understanding your options, and using the tools available to you. The truth is, there are more paths to homeownership than most people realize.

If you are thinking about buying, now is the time to learn what you qualify for and what support may be available to you. Let’s connect and explore a strategy that fits your goals and your budget. ✨

Did you know that 72.6% of buyers are putting down 10% or less when purchasing a home? 🏡📊 That means most buyers are NOT...
05/12/2026

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!

Scrolling listings? Those little phrases matter more than you think. Terms like “price reduction,” “seller concessions,”...
05/11/2026

Scrolling listings? Those little phrases matter more than you think. Terms like “price reduction,” “seller concessions,” or “motivated seller” can signal real savings and negotiation power for buyers. Knowing what they mean can help you spot opportunities others miss and make smarter offers. 🏡✨

Ready to shop with confidence? Let’s connect and build a strategy that works for you.

Address

1520 Royal Palm Square Boulevard
Fort Myers, FL
33908

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