David Long, NMLS #891759

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David Long, NMLS #891759 David Long NMLS #891759 | Guaranteed Rate Affinity I am a California native from San Diego, and I relocated to Fair Oaks, CA in December of 2018.

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate, and be available to you from application to closing. My career began in Banking in 1992 where I spent 2 years working for Wells Fargo and Household Bank. I spent the next 15 years in the Consumer Finance and Mortgage Banking industry providing affordable home loans to my clients. Over the years, I am happy to say, I have developed long term relationships, and even friendships, with many of my clients, who consider me their trusted home loan advisor. The disruption of the entire mortgage and real estate industry in 2006 and 2007 offered me the opportunity to leave mortgage finance for a bit to become a Realtor. This really helped me to gain both an understanding and an appreciation of the efforts and responsibilities required of a Real Estate Professional. My true passion is Mortgage finance. In 2012 I received the opportunity to pursue a career with imortgage/loanDepot where I spent 10 years delivering the best possible experience to the families and individuals I have the fortune to help realize their own dream of homeownership. I moved to New American Funding in June of 2025, to continue to build my network of Realtors, Financial Planners, and Tax Accountants. "Client satisfaction is not reached haphazardly. It is achieved with a conscious effort to marry technology and personal service to create a seamless customer experience." – David E.O. Long "The Loan Guru"

Your car, your health, your home. The important things in life deserve protection. Your home purchase is no different. N...
10/16/2026

Your car, your health, your home. The important things in life deserve protection. Your home purchase is no different.

NAF Cash Secure, an affiliate of New American Funding, backs your approved Conventional or VA financing so that if anything unexpected comes up between approval and closing, your purchase stays on track.

Smart buyers protect their biggest investment. You've got this.

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming...
10/14/2026

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming loan limits are climbing.

The single-unit figure is projected to hit $845,000, a bump from the current $832,750—and NAF is already writing loans at the new number, before the Federal Housing Finance Agency (FHFA) makes it official in November.

That line is the dividing wall between Conventional and Jumbo financing. Jumbo means tighter qualifying rules, heavier documentation, and frequently a heftier down payment. Conventional means a smoother, more straightforward process.

If a deal stalled just above the old limit, let's revisit it. Message me and we'll run the numbers.

Your home equity could be a powerful financial tool. 🏡💰A cash-out refinance allows you to replace your current mortgage ...
10/12/2026

Your home equity could be a powerful financial tool. 🏡💰
A cash-out refinance allows you to replace your current mortgage with a new, larger loan and receive the difference in cash—giving you funds that may be used for things like consolidating high-interest debt, home improvements, education costs, medical expenses, or other financial goals.
Of course, it’s important to look at the full picture, including your new payment, closing costs, and how much equity you’ll have remaining.
Curious if a cash-out refinance could make sense for your goals? Let’s talk about your options.

Big Investments. Smaller Down Payments. New American Funding's 90% LTV Investment Property Loan keeps more cash liquid f...
10/09/2026

Big Investments. Smaller Down Payments. New American Funding's 90% LTV Investment Property Loan keeps more cash liquid for the next deal. Invest with less, message me to get started

What could your rent payments be building for you? 🏠 Instead of paying toward your landlord’s investment, homeownership ...
10/07/2026

What could your rent payments be building for you? 🏠 Instead of paying toward your landlord’s investment, homeownership can give you the opportunity to build your own equity over time. 🔑 NAF is here to help you understand your options and take the next step. 💬 Ready to see what buying could look like for you? Let’s talk!

With NAF Cash, you can make an all-cash offer while leveraging your VA Loan benefits to stand out in a competitive marke...
10/05/2026

With NAF Cash, you can make an all-cash offer while leveraging your VA Loan benefits to stand out in a competitive market.

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming...
10/05/2026

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming loan limits are climbing. The single-unit figure is projected to hit $845,000, a bump from the current $832,750—and NAF is already writing loans at the new number, before the Federal Housing Finance Agency (FHFA) makes it official in November. That line is the dividing wall between Conventional and Jumbo financing. Jumbo means tighter qualifying rules, heavier documentation, and frequently a heftier down payment. Conventional means a smoother, more straightforward process. If a deal stalled just above the old limit, let's revisit it. Message me and we'll run the numbers.

Mortgage rate buydowns can make homeownership more accessible—but they’re not one-size-fits-all. Before you jump in, the...
09/30/2026

Mortgage rate buydowns can make homeownership more accessible—but they’re not one-size-fits-all. Before you jump in, there are a few smart questions every buyer should ask:

🏡Is this a temporary or permanent mortgage rate buydown?
🏡Who’s paying for it—the builder or seller, the lender, or you?
🏡What happens when the rate resets?
🏡Are there other trade-offs (like reduced closing costs or a higher sale price)?

Interested in buydown options available to you? Call me!

Building your perfect home comes with enough moving parts. Your financing shouldn’t add to the stress. With a One-Time C...
09/28/2026

Building your perfect home comes with enough moving parts. Your financing shouldn’t add to the stress. With a One-Time Close loan from New American Funding, you can combine your land, home, and construction financing into a single closing for a smoother experience from start to finish. DM us for the details!

Think about how much mental energy goes into managing your finances, tracking balances, timing transfers, trying to pay ...
09/25/2026

Think about how much mental energy goes into managing your finances, tracking balances, timing transfers, trying to pay down debt while keeping enough liquid for everyday life. HELOC Sweep simplifies that. With an equity line and a designated checking account working together, your deposits may go toward reducing your balance, which means potential daily interest savings without any extra steps on your part.

Address

1512 Eureka Road Suite 150
Roseville, CA
95661

Telephone

+19169455203

Website

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