NAF 901 Team

NAF 901 Team One team. One mission. To simplify your mortgage experience—whether buying or refinancing.

Brian Thomas, Branch Manager NMLS #161785
Cortavius Thomas, Sales Manager NMLS #1824028
New American Funding #6606

Thinking about investing in real estate but worried your personal income or credit history could make financing difficul...
08/27/2026

Thinking about investing in real estate but worried your personal income or credit history could make financing difficult?

A DSCR loan may offer a different path for real estate investors. Instead of qualifying primarily based on traditional personal income documentation, a Debt Service Coverage Ratio (DSCR) loan can focus on the income potential of the investment property.

Depending on the program and borrower qualifications, options may include no minimum FICO requirement, gift funds, no tradeline requirement, and ITIN eligibility. 📊

Real estate investing looks different for everyone, which is why understanding your financing options matters. At New American Funding, we're here to help you explore what may fit your investment goals. 🤝

📩 Want to learn if a DSCR loan could work for your next investment property? Send me a message!

Paying nearly $2,000 a month in rent? It may be worth finding out what homeownership could look like. The typical asking...
08/21/2026

Paying nearly $2,000 a month in rent? It may be worth finding out what homeownership could look like.

The typical asking rent reached $1,965 in June 2026, up 2.2% from the year before.

If you're already making a significant monthly housing payment, don't automatically assume buying is out of reach. Your potential mortgage payment depends on factors like your loan amount, interest rate, taxes, insurance, and other costs.

💡 The first step isn't finding a house. It's finding out what you can comfortably afford.

NAF is here to help you understand your options and build a realistic path from renter to homeowner.

📲 Let's see what your monthly budget could look like as a homeowner!

Think a big down payment is holding you back? Think again! The path to homeownership is more flexible than ever. From fa...
08/20/2026

Think a big down payment is holding you back? Think again! The path to homeownership is more flexible than ever. From family gifts 🎁 to down payment assistance programs, there are many creative strategies to help you bridge the gap and unlock the door to your dream home.

Ready to explore your options? DM us to learn how our flexible loan solutions can work for you! 📲

Feeling overwhelmed by debt? If you're a homeowner, your home equity may offer options you haven't considered. Depending...
08/07/2026

Feeling overwhelmed by debt? If you're a homeowner, your home equity may offer options you haven't considered. Depending on your goals, solutions like a cash-out refinance or HELOC (Home Equity Line of Credit) may help you consolidate higher-interest debt into a more manageable payment. Every situation is different, so it's important to review your options with a trusted mortgage professional before making a decision. 🏡

Let's explore whether your home can help support your financial goals. Send me a message to get started! 📩

Surprised your first mortgage payment isn't due right after closing? That's actually good news! Here's how it works: Whe...
08/05/2026

Surprised your first mortgage payment isn't due right after closing? That's actually good news!

Here's how it works: When you close on your home, you pay prepaid interest for the rest of that month as part of your closing costs. Since mortgage payments are paid in arrears (meaning they cover the previous month's interest), your first monthly payment is usually due on the first day of the second month after closing.

📅 Example: Close on July 11 → Your first mortgage payment is typically due September 1.

Have questions about what to expect at closing? I'm here to help every step of the way! 📩

The market is changing, and buyers are gaining more negotiating power. 🏡 For the first time in years, many housing marke...
07/22/2026

The market is changing, and buyers are gaining more negotiating power. 🏡

For the first time in years, many housing markets have more sellers than buyers. That means you may have more homes to choose from and a better chance to negotiate on price, repairs, closing costs, or other seller concessions. 🙌 The key is knowing which opportunities make sense for your situation. With the right mortgage strategy and a strong real estate team, you can take advantage of today's more buyer-friendly market. 📩 Thinking about buying a home? Let's talk about what's possible and create a plan that fits your budget.

What if you could build the home you’ve always imagined AND simplify the financing process? For buyers who can’t find th...
07/15/2026

What if you could build the home you’ve always imagined AND simplify the financing process?

For buyers who can’t find the “perfect” home, a One-Time Close Construction Loan may be a solution worth exploring. 🏠🔨

Instead of managing separate loans for land, construction, and your future mortgage, this option combines everything into one loan with one closing.

Here are a few potential benefits:

✅ Finance land + construction together

✅ Lock in your interest rate upfront

✅ Reduce the stress of multiple closings

✅ Transition into a traditional mortgage once your home is complete

Building a home takes planning, patience, and the right team by your side. From choosing your builder to final inspections, having a clear plan can help make the process smoother. 💙

Ready to learn if building your dream home could be the right path for you? Let’s talk! 📲

More Buying Power Than Last Year 🏡📊 Good news for today’s homebuyers: purchasing a home is actually a bit more affordabl...
07/15/2026

More Buying Power Than Last Year 🏡📊

Good news for today’s homebuyers: purchasing a home is actually a bit more affordable than it was last year.

According to the June 2026 ICE Mortgage Monitor, buyers now have about 3% more purchasing power, and the average monthly payment is about $48 lower year-over-year. That means some buyers may qualify for a slightly higher price range or enjoy a lower monthly payment on the same home.

It’s not a huge shift, but in today’s housing market, every bit of affordability helps 💡

If you’ve been waiting for the “right time,” this may be your signal to recheck your numbers. 📲 Ready to see what you can afford today? Let’s run the numbers together.

Thinking about applying for an FHA loan? A little preparation today can help make the homebuying process smoother tomorr...
07/09/2026

Thinking about applying for an FHA loan? A little preparation today can help make the homebuying process smoother tomorrow. Here are five simple ways to strengthen your application:

✅ Improve your credit score before applying.

✅ Pay down debt to improve your financial picture.

✅ Stabilize your income before applying for a mortgage.

✅ Know how much home you can comfortably afford.

✅ Don't give up if you're not approved right away. There may be steps you can take to qualify later.

Every homebuyer's journey is different, and I'm here to help you understand your options every step of the way. 📲 Let's connect and create a plan that's right for you!

Think you need 20% down to buy a home? That's one of the biggest mortgage myths! The truth is, many homeowners purchased...
07/08/2026

Think you need 20% down to buy a home? That's one of the biggest mortgage myths!

The truth is, many homeowners purchased their homes with less than 10% down, depending on the loan program they qualified for. FHA, VA, USDA, and other financing options may help make homeownership more accessible than you think. 💙

Every buyer's situation is unique, and understanding your options is the first step toward owning a home. 📲 Let's talk about your down payment options and find the loan that's right for you!

Address

6000 Poplar Avenue, Ste. 250
Memphis, TN
38119

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+19015068367

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