Cesar Sanchez NMLS 1119735

Cesar Sanchez NMLS 1119735 🏘 💲 Mortgage Consultant / Loan Officer at New American Funding 💯/ Licensed in IL, WI / New American Funding; Equal Housing Opportunity; NMLS #6606

💳 Buying a home soon? Don’t ignore this credit mistake 👀A lot of first-time buyers think:✅ “I pay my credit cards on tim...
06/03/2026

💳 Buying a home soon? Don’t ignore this credit mistake 👀
A lot of first-time buyers think:
✅ “I pay my credit cards on time… I’m good”
But here’s what most people don’t realize 👇
👉 How MUCH you use your credit matters just as much
This is called credit utilization — and it makes up about 30% of your credit score.
🚨 Why this matters for your home loan:
• Higher balances can lower your credit score
• Lower score = higher interest rate (or denial)
• Lenders may see it as financial stress
✅ What to do before applying:
• Pay down your credit cards
• Keep balances under 30% (ideally under 10%)
• Don’t max out ANY card
🏡 Pro Tip:
Lowering your credit card balances is one of the fastest ways to boost your score before buying a home
📲 Thinking about buying this year?
Let’s build a game plan so you’re fully prepared
📩 DM me “READY” and I’ll help you map it out

🚨 Buying a home soon? Don’t miss credit card payments!Here’s why it matters:❌ Hurts your credit score❌ Raises red flags ...
05/28/2026

🚨 Buying a home soon? Don’t miss credit card payments!
Here’s why it matters:
❌ Hurts your credit score
❌ Raises red flags for lenders
❌ Can increase your interest rate
❌ May lower how much you qualify for
💡 Lenders look at this ONE thing:
👉 “Do you pay your bills on time?”
Your credit cards = your track record 📊
Your mortgage = the big test 🏡
✅ Keep payments on time = better approval + better rate
📩 Thinking about buying a home soon?
DM me “READY” and I’ll help you get prepped the right way!

🚨 Thinking about buying a home?Your credit score might be the difference between ✅ APPROVED or ❌ DENIEDHere’s the truth ...
05/20/2026

🚨 Thinking about buying a home?
Your credit score might be the difference between ✅ APPROVED or ❌ DENIED
Here’s the truth 👇
💳 Payment history is EVERYTHING
It makes up about 35% of your credit score — the biggest factor lenders look at.
✅ Paying your bills on time shows lenders you’re responsible
✅ It builds trust and improves your chances of getting approved
✅ It can help you qualify for better interest rates
📲 Thinking about buying a home soon?
Send me a message — I’ll help you get your credit mortgage-ready.

05/15/2026

🏡✨Te comparto cómo puedes usar una HELOC para acceder al valor de tu vivienda para reformas, consolidación de deudas o incluso una aventura divertida. Comenta HELOC si quieres saber más. 🏡✨

05/08/2026

💸🏡 ¿Sabías que en el proceso de comprar casa hay ayudas disponibles?
No se trata de “regalar dinero”, sino de aprovechar programas y apoyos que pueden ayudarte con:
✅ Costos de cierre
✅ Enganche (down payment)
✅ Mejorar tu poder de compra
🤝 Mi trabajo es guiarte paso a paso, explicarte tus opciones y ayudarte a usar esos beneficios de forma correcta para que llegues a tu casa con más tranquilidad y menos estrés.
📲 ¿Quieres saber si calificas?
Escríbeme un mensaje y lo revisamos juntos.

🚫 No FICO Score?✅ No Problem! 🏡You may still qualify for an FHA loan using non‑traditional credit like rent, utilities, ...
05/06/2026

🚫 No FICO Score?
✅ No Problem! 🏡
You may still qualify for an FHA loan using non‑traditional credit like rent, utilities, phone & more 📄✅
⭐ Details:
💰 As little as 3.5% down
🏠 Single‑family, condos & manufactured homes
📍 Loan limits up to $541,287
📲 Let’s talk!
Cesar Sanchez | Loan Consultant
📞 (773) 495‑8200

04/24/2026

🏡💰 Construye tu patrimonio con bienes raíces 💰🏡
Invertir en real estate no es solo comprar una casa…
✅ Es crear seguridad financiera
✅ Es generar ingresos a largo plazo
✅ Es dejar un legado para tu familia 👨‍👩‍👧‍👦
Cada propiedad puede acercarte más a la libertad financiera 📈✨
Ya sea tu primera casa o una propiedad de inversión, el mejor momento para empezar es ahora ⏰
¿Listo para hacer que tu dinero trabaje para ti? 💼💡
📩 Escríbeme un mensaje y descubre cómo iniciar tu camino en la inversión inmobiliaria.

🏡 Thinking about buying a home? You’ve got options! ✨From Conventional Loans ✅ to FHA 🏡, VA, USDA, and more — there’s a ...
04/22/2026

🏡 Thinking about buying a home? You’ve got options! ✨
From Conventional Loans ✅ to FHA 🏡, VA, USDA, and more — there’s a mortgage designed to fit your goals and budget. 💰📊
Whether you’re a first‑time buyer 🔑 or ready for your next home upgrade ⬆️, understanding your options is the first step toward confidence and clarity.
📲 Let’s explore what works best for you — your homeownership journey starts here!

04/17/2026

🏡✨¿Sueñas con comprar tu casa pero no sabes por dónde empezar? 🤔La buena noticia es que iniciar el proceso de aplicación para una hipoteca es simple, rápido y sin presión ✅
📋 No necesitas tener todo perfecto
📞 Solo necesitas dar el primer paso
👉 Lláma o envía un DM para una revisión inicial
👉 Sin compromiso
👉 Solo claridad y orientación real
📲 Tu camino a ser dueño de casa empieza hoy 🏠💙

🏡💰 Ever wonder where your mortgage payment really goes?Your monthly payment is more than just principal & interest 👀Unde...
04/14/2026

🏡💰 Ever wonder where your mortgage payment really goes?
Your monthly payment is more than just principal & interest 👀
Understanding each piece helps you budget smarter and plan with confidence ✅
✨ From escrow accounts that automatically cover your
📌 property taxes
📌 homeowners insurance
👉 Every component plays a role in your homeownership journey 🗺️
📲 Swipe through to see exactly where your money goes each month ➡️💵

Address

400 Skokie Boulevard, Ste 100
Northbrook, IL
60062

Telephone

+17734958200

Website

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