Michael J. Waldron Mortgage Banker Nmls#1940049

11/03/2026

Whether you’re buying your first home, your fifth investment property, or trying to figure out how to put your equity to work, this is where I come in.

A lot of people think a mortgage lender is just someone you call when you’re ready to buy a house. That’s only a small part of what I do.

Here’s where I can help:

🏡 First-time homebuyers: Never bought a home? Don’t know where to start? That’s what I’m here for. I’ll walk you through the process and help you put a plan together.

🏡 Buying your next home: Already own a home and looking to upgrade, downsize, or figure out how to buy before selling? Let’s talk through your options.

💰 Sitting on equity: Have $100K, $200K, or even $500K in equity? Maybe it makes sense to put some of that money to work. Whether it’s buying another property, consolidating debt, or investing in a business, let’s run the numbers.

🏘️ New real estate investors: Want to buy your first rental property but have no idea how the financing works? I can help you understand your options.

🏢 Experienced investors: This is a big part of what I do. DSCR loans, conventional financing, bank statement programs, cash-out refinances, interest-only options, and more. Let’s figure out which financing strategy makes the most sense for your next deal.

🔨 Flippers and investors using hard money: Need to refinance out of hard money? Want to pull your cash back out of a property so you can move on to the next deal? Let’s talk.

And here’s something I want people to understand.

You don’t have to be ready to buy TODAY to have a conversation with me.

Maybe your credit needs work.

Maybe you don’t have enough money saved.

Maybe you’re self-employed and think you can’t qualify.

Maybe you’ve already been told NO by another lender.

That doesn’t mean the conversation is over.

I’ve been doing this for over five years, and one thing I’ve learned is that not every borrower fits into the same box.

My job isn’t just to take an application and tell you whether you’re approved or denied.

My job is to educate you, guide you, and help you put a plan together.

We’ll go over your numbers, your goals, your options, and what makes the most sense for YOU.

And if you’re not ready today, we’ll figure out what needs to happen to get you there.

I’m available nights and weekends because I understand real estate doesn’t operate on a 9-to-5 schedule.

Whether you’re buying your first home or trying to build a portfolio of 20 properties, I’m here to help you make the right moves.

Experienced enough to know what I’m doing. Still hungry enough to work for your business.

Let’s have a conversation!

Michael Waldron
New American Funding
📱 774-400-7745

11/02/2026

🏡 MASSACHUSETTS BUYERS — THE MARKET IS CHANGING, AND THE NUMBERS DON’T LIE!

Everyone is sitting around waiting for interest rates to drop. Meanwhile, something interesting is happening right in front of us.

Let’s look at the actual Massachusetts housing numbers from September 2026.

📉 5,470 listings had price reductions during September, compared to 4,342 in September 2025. That’s nearly a 26% increase!

📉 Median asking price dropped 5.2% year over year, from $753,425 to $714,250.

🏠 Inventory increased 18.1%, meaning buyers have more homes to choose from.

⏳ Homes are sitting longer, with the median time on market increasing from 40 to 45 days.

Now, why does this matter?

Because I’ve been saying this for a while.

I’d rather see a buyer purchase a home for $50,000 less at a slightly higher interest rate than get caught in a bidding war and pay $50,000 over asking price!

You can potentially refinance your interest rate down the road. You can’t refinance what you originally paid for the house.

Think about that.

When rates drop, what do you think happens? More buyers enter the market, competition increases, and bidding wars can come right back.

I’m not saying every house in Massachusetts is dropping in value. I’m saying the numbers are showing more opportunities for buyers to negotiate.

Stop concentrating solely on the interest rate and start looking at the entire opportunity!

The goal isn’t just to get you into a house. It’s to help you make a smart financial decision.

If you’re thinking about buying, let’s put together a plan. Even if you’re not ready today, I’ll help guide you, educate you, and get you prepared.

Michael Waldron
New American Funding
📲 774-400-7745

Source: Realtor.com housing inventory data, September 2026, published through the Federal Reserve Bank of St. Louis (FRED).

Search homes for sale, new construction homes, apartments, and houses for rent. See property values. Shop mortgages.

10/13/2026

Are you a true investor?

10/07/2026

CTC on a VA loan!

I’m not going to make a long post about why you should call me if you’re a veteran who wants to buy a house.

The results speak for themselves.

🤙

Special thanks to Achantel Thornton for doing a great job as the realtor on this.

09/14/2026

This is what I do every day. No personal income, non owner occupied, scale your real estate portfolio!

774.400.7745

09/10/2026

Decided to throw my hat into real estate lol

08/17/2026

🏡 What’s REALLY stopping you from buying a house?

I hear the same reasons all the time:

❌ “My credit isn’t good enough.”
❌ “I don’t have 20% to put down.”
❌ “Interest rates are too high.”
❌ “I have too much debt.”
❌ “I’m self-employed, so I won’t qualify.”
❌ “I’m waiting for home prices to come down.”
❌ “I just don’t think I can afford it.”

Here’s the problem: you might be making a decision based on assumptions instead of actual numbers.

There are loan programs that require far less than 20% down. There are options for buyers with less-than-perfect credit. And for self-employed borrowers and investors, there are alternative programs that don’t always qualify you the traditional way.

And if you’re not ready today, that doesn’t mean the answer is simply “NO.”

A good lender should be able to tell you WHY you’re not ready and give you a game plan to get there.

Stop letting Google, social media, or your friend who bought a house 10 years ago tell you whether you qualify.

📲 Have the conversation. Let’s run the numbers.

Worst case? You find out exactly what you need to work on.

Best case? You find out you’re a lot closer to owning a home than you thought. 🏠🔑

Michael Waldron
774.400.7745

08/03/2026

Attention Real Estate Investors!

If you’re looking to grow your portfolio, I specialize in financing solutions designed specifically for investors. Whether you’re just getting started or expanding your holdings, I can help you leverage your equity and scale your investments—often without using your personal income to qualify.

✅ Need to refinance out of a hard money loan? I can help.

✅ Looking to pull cash out of a rental property to fund your next investment? I can help.

✅ Ready to purchase your next investment property? I can help.

Even if you’re just exploring options or want to run through a few scenarios, I’m happy to have a conversation. Let’s build a strategy that helps you reach your investment goals.