Sonal Nangia - Producing Manager, NMLS 4816

05/23/2026

🇺🇸 This weekend isn’t just about celebration — it’s about gratitude, remembrance, and honoring the brave men and women who served our country selflessly. ❤️🤍💙

To the veterans who continue serving beyond the uniform — thank you for your sacrifice, courage, and dedication. 🇺🇸✨

Did you know many veterans have earned powerful home loan benefits through the VA loan program?

Here are some important VA loan facts:

✅ $0 down payment options available for eligible veterans
✅ No monthly mortgage insurance (PMI) required
✅ Often lower interest rates compared to conventional loans
✅ Flexible credit guidelines in many cases
✅ Sellers can contribute toward closing costs
✅ VA loan benefits are reusable for many eligible veterans

VA loans can be used for:

🏡 Single-family homes
🏡 Multi-family homes (up to 4 units owner-occupied)
🏡 VA-approved condos
🏡 New construction homes

✅ Some surviving spouses may also qualify
✅ Higher debt-to-income flexibility compared to many conventional programs

Refinance options include:

• IRRRL (Interest Rate Reduction Refinance Loan)
• Cash-out refinance

Nearly 90% of eligible veterans have used less than half of their VA loan benefit — or have never used it at all.

If you or someone you know served our country and would like to learn more about VA home loan benefits, I’d be honored to help. 🇺🇸🏡

MilitaryFamilies MortgageTips RealEstate FirstTimeHomeBuyer VeteranBenefits

05/20/2026

05/14/2026

We met Kerrine about a year ago at an MPC first-time homebuyer seminar. From searching Upstate New York to Connecticut, they found the perfect home on Long Island.
Fast forward to today — they are officially homeowners! 🏡✨
Thank you for trusting us to be part of such an exciting milestone. Wishing you endless memories, happiness, and success in this next chapter. Cheers to homeownership! 🔑🏡

05/06/2026

From pre-approval to house hunting to closing day… WE DID IT in less than two months 🙌🏡

Helping first-time homebuyers navigate the process with confidence is truly our passion. Watching our clients get the keys to their very first home never gets old—and hearing their kind words in this amazing testimonial means the world to us. ❤️🔑

So grateful to be part of such a huge milestone. Congratulations again to these incredible new homeowners!
✨

Your favorite agent, Shehla - Homes By Mara
your favorite loan officer, Sonia - Cardinal Financial

05/05/2026

Hi everyone—reintroducing myself for all my new followers 👋

I’m Sonia Nangia, and I’ve been a mortgage lender since 2005.

Here’s how I can help:
• First-time homebuyers (Conventional, FHA & VA loans) 🏡
• Second homes & investment properties
• Non-QM loans (DSCR, bank statements, 1099, P&L, etc.)
• Refinancing

Think of me as your one-stop shop for mortgages.

My journey into this industry? Honestly… it started by fluke
I began as a processor in 2005, but quickly realized I wanted more. I stepped into sales, discovered I loved working with borrowers and breaking down numbers—and never looked back. By 2007, I became a loan originator… right before the housing crash.

I’ve seen the highs, the lows, and everything in between—and that experience is what I bring to my clients today.

When licensing became mandatory under the SAFE Act, I was the 4,816th person in the country to get licensed—which is why my NMLS is only four digits long (and yes, people are always surprised!).

Today, I’m licensed in 16 states, with offices in New York and Houston, TX.

But what truly drives me ❤️
It’s not just about quoting rates—it’s about education. When working with first-time homebuyers, I make sure they feel comfortable and confident in their decisions, while keeping them informed every step of the way. I believe in clear communication and full transparency so my clients always understand their options.

For investors, it’s about finding the right solution and breaking down the numbers so everything makes sense.

Over the years, I’ve helped thousands of homeowners achieve their homeownership goals—including many who couldn’t get financing through other lenders. I believe in digging deep and structuring loans correctly—that’s what makes the difference.

For my referral partners, I keep communication consistent, proactive, and honest from start to finish—because a happy client is a win for everyone.

If you’re a Realtor, looking for a responsive, transparent lender who will fight for your clients—let’s connect 🤝

If you’re a buyer or homeowner thinking about purchasing or refinancing—I’m here to help

📩 

02/24/2026

5% Downpayment + 1% Lower Rate, Same House Price = More Buying Power

Lets get you pre-approved

InterestRates

02/19/2026

🌟🏡 Big Congratulations to Ruth and Larry!🏡🌟

Today marks a huge milestone as they officially become homeowners! 🎉🥳 I’m so grateful they trusted me to guide them through this journey.

From the excitement of house hunting to the joy of signing the papers, it’s been an incredible experience. Watching their dreams come true is truly what makes this job special.

Here’s to new beginnings, cherished memories, and a future filled with love and laughter in their beautiful new home! 🥂✨

01/01/2026

Happy Healthy & Blessed New Year to you & your Family. ✨️

#2026

10/31/2025

Don’t be spooked by the rates — get pre-approved instead! 🏡

The real horror story? Missing out on your dream home because you were too scared to check your mortgage options. 😱

Rates go up, rates go down… but homeownership is forever ⚡️

So grab your pumpkin spice latte, call your favorite loan officer and let’s slay those mortgage monsters together. 🧛‍♀️💰

Happy Halloween 🎃 🤪


-timehomebuyer

10/30/2025

Spooky Season Surprise: The Fed Slashed, but Mortgage Rates Creeped Up 👀🎃