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New Way Mortgage
Powered by Xpert Home Lending, Inc. NMLS: 2179191
Aaron Clowes NMLS 200900 Equal Housing Lender

06/02/2026

For decades, mortgage lenders have relied on FICO credit scores to determine who qualifies for a home loan. But that's changing.

Fannie Mae, Freddie Mac, FHA, and VA now allow lenders to use VantageScore 4.0, creating the biggest credit scoring change the mortgage industry has seen in years.

Could this help first-time homebuyers qualify? Will your credit score be higher? And what does it mean if you've been denied financing in the past?

In this video, I break down the differences between VantageScore 4.0 and FICO, who benefits most, and what homebuyers need to know moving forward.

If you have questions about buying a home, refinancing, or your credit score, feel free to reach out.

If you want to keep up on Mortgage Rates and Trends this is the Channel for you.

Make sure to Subscribe 👍

📞 Talk or Text 916-465-6639
📧 hello@newwaymortgage
🚫🐂💩 No Hassle Rate Quote (No Credit Check Needed)
🤝 Book a zoom or call with us www.meetnewway.com
✅ Get Preapproved https://newwaymortgage.com/applynow


New Way Mortgage is powered by Xpert Home Lending, Inc.
NMLS 2179191 CA DRE 02166758 Equal Housing Opportunity
Aaron Clowes NMLS 200900 CA DRE 02113379

05/07/2026

Are mortgage points worth it? In many cases, paying points to buy down your mortgage rate is a mistake—and can cost you thousands if you don’t understand the math.

In this video, I break down how mortgage points work, how to calculate your break-even, and when buying down the rate actually makes sense.

Most borrowers are taught to chase the lowest interest rate. That’s not always the best financial decision. Sometimes a higher rate with no points—or even a lender credit—can put more money in your pocket.

If you’re comparing mortgage quotes or thinking about paying points, this will help you make the right call.

What you’ll learn:

What mortgage points are
How to calculate break-even
When paying points makes sense
When buying down the rate is a mistake
How lenders present point options

If you want help comparing your options, I’ll run the numbers with you.

Subscribe for straight answers on mortgages, rates, and how to avoid overpaying.

📞 Talk or Text 916-465-6639
📧 hello@newwaymortgage
🚫🐂💩 No Hassle Rate Quote (No Credit Check Needed)
🤝 Book a zoom or call with us www.meetnewway.com
✅ Get Preapproved https://newwaymortgage.com/applynow


New Way Mortgage is powered by Xpert Home Lending, Inc.
NMLS 2179191 CA DRE 02166758 Equal Housing Opportunity
Aaron Clowes NMLS 200900 CA DRE 02113379

04/27/2026

Are you comparing mortgage quotes based on “total closing costs”? That could be a costly mistake.

In this video, I break down dirty tricks some lenders use to make their Loan Estimate look cheaper than it really is — even when their fees are actually higher.

Most borrowers don’t realize lenders mainly control Box A (Origination Charges) and, indirectly, what flows into Box J (Total Closing Costs) — but many lenders manipulate estimates in boxes they don’t control, including title fees, escrow reserves, prepaid interest, recording fees, and other costs to make the bottom line appear lower.

In this video, you’ll learn:

How lenders understate third-party fees to make quotes look cheaper
Why showing 1 day of prepaid interest can be misleading
How escrows can be manipulated
Where junk fees hide in Box A
What you should compare when shopping lenders
How to spot a quote that looks cheap but actually costs more

If you’re buying a home, refinancing, comparing lenders, or reviewing a Loan Estimate, this could save you thousands.

If you’d like me to review your Loan Estimate and stress test the numbers, I offer a free no-hassle consultation.

Schedule here: https://www.meetnewway.com

Talk or Text: 916-465-6639
Get Preapproved: https://www.newwaymortgage.com/applynow

I’m Aaron Clowes with New Way Mortgage, and I help borrowers shop smarter by comparing mortgage options across wholesale lenders.

If you found this helpful, please like, subscribe, and share this with someone comparing mortgage quotes.



📞 Talk or Text 916-465-6639
📧 hello@newwaymortgage
🚫🐂💩 No Hassle Rate Quote (No Credit Check Needed)
🤝 Book a zoom or call with us www.meetnewway.com
✅ Get Preapproved https://newwaymortgage.com/applynow


New Way Mortgage is powered by Xpert Home Lending, Inc.
NMLS 2179191 CA DRE 02166758 Equal Housing Opportunity
Aaron Clowes NMLS 200900 CA DRE 02113379

04/24/2026

Are you a doctor, dentist, pharmacist, CRNA, or medical resident wondering how to buy a home with little or no money down?

In this video, I break down how a Doctor Mortgage Program (also called a Physician Loan) may allow eligible medical professionals to:

✔ Buy with up to 100% financing
✔ Avoid monthly PMI
✔ Qualify with flexible student loan treatment
✔ Use an employment contract to qualify in some cases
✔ Access loan amounts up to $2 million (depending on profile)

I also cover common mistakes doctors make when applying for a mortgage and how this compares to traditional conventional financing.

If you’re a medical professional thinking about buying a home, this could save you a lot of money.

If you’d like me to run the numbers for your situation, reach out here:
www.meetnewway.com or 916-465-66639

Subscribe for mortgage strategy, interest rate updates, and home financing education.



If you want to keep up on Mortgage Rates and Trends this is the Channel for you. Make sure to Subscribe 👍

📞 Talk or Text 916-465-6639
📧 hello@newwaymortgage
🚫🐂💩 No Hassle Rate Quote (No Credit Check Needed)
🤝 Book a zoom or call with us www.meetnewway.com
✅ Get Preapproved https://newwaymortgage.com/applynow


New Way Mortgage is powered by Xpert Home Lending, Inc.
NMLS 2179191 CA DRE 02166758 Equal Housing Opportunity
Aaron Clowes NMLS 200900 CA DRE 02113379

04/15/2026

Getting pre-approved doesn’t mean your loan is guaranteed.

In fact, a lot of buyers are shocked when their loan gets denied after pre-approval—sometimes just days before closing.

In this video, I break down the 5 biggest deal killers that can blow up your mortgage after you’ve already been pre-approved.

Here’s what you’ll learn:

Why pre-approval is NOT a full loan approval
The most common mistakes that get loans denied
What underwriters are actually looking for
How small changes can completely derail your approval
What to avoid between pre-approval and closing

If you’re buying a home, this is one of the most important videos you’ll watch.

One mistake can cost you the deal.

Want help making sure your loan doesn’t get denied?

Schedule a call here:
👉 https://www.meetnewway.com

Or start your application:
👉 https://www.newwaymortgage.com/applynow

00:00 Pre-approved doesn’t mean approved
00:26 Why loans get denied after pre-approval
00:40 Reason #1
01:40 Reason #2
02:50 Reason #3
03:42 Reason #4
04:48 Reason #5
05:55 How to protect your loan

About Me

I’m Aaron Clowes, a mortgage broker with access to 100+ lenders.
I help buyers avoid costly mistakes and get their loans approved—fast.

📞 Talk or Text 916-465-6639
📧 hello@newwaymortgage
🚫🐂💩 No Hassle Rate Quote (No Credit Check Needed)
🤝 Book a zoom or call with us www.meetnewway.com
✅ Get Preapproved https://newwaymortgage.com/applynow


New Way Mortgage is powered by Xpert Home Lending, Inc.
NMLS 2179191 CA DRE 02166758 Equal Housing Opportunity
Aaron Clowes NMLS 200900 CA DRE 02113379

04/09/2026

Most people are asking the wrong question…

“When will mortgage rates drop?”

The real question is:
What is it costing you to wait?

In this video, I break down a real cost-of-waiting analysis comparing buying a home today vs waiting 2 years—and the numbers might surprise you.

Here’s what you’ll learn:

Why mortgage rates may NOT drop in a meaningful way anytime soon
How waiting can increase your purchase price, loan amount, and monthly payment
The hidden cost of appreciation (over $50,000 in this example)
Why a lower rate later doesn’t always mean a better deal
The impact of rent increases, tax benefits, and long-term stability
Why trying to “time the market” is usually a losing strategy

Most buyers focus only on interest rates…
but that’s only one piece of the equation.

If you want to make a smart decision, you need to look at the full picture.

Want a personalized cost-of-waiting analysis?

Schedule a call here:
👉 https://www.meetnewway.com

Or start your application:
👉 https://www.newwaymortgage.com/applynow

About Me

I’m Aaron Clowes, a mortgage broker with access to 200+ lenders.
I help buyers and homeowners make smarter financing decisions by focusing on strategy—not just rates.

Please make sure to Subscribe 🙏

📞 Talk or Text 916-465-6639
📧 hello@newwaymortgage
🚫🐂💩 No Hassle Rate Quote (No Credit Check Needed)
🤝 Book a zoom or call with us www.meetnewway.com
✅ Get Preapproved https://newwaymortgage.com/applynow


New Way Mortgage is Powered by Xpert Home Lending, Inc.
NMLS 2179191 CA DRE 02166758 Equal Housing Opportunity
Aaron Clowes NMLS 200900 CA DRE 02113379
Jennifer Remedios NMLS 281014 CA DRE 01727611

04/08/2026

Most homebuyers overpay by $15,000 or more on their mortgage… and they don’t even realize it.

Not because they made a bad decision—
but because they never saw the better option.

Mortgage rates change daily.
And more importantly, the lender with the best rate changes daily.

If you only talk to one lender, you’re not getting “the rate”… you’re getting THEIR rate.

In this video, I break down:

Why mortgage rates are constantly changing
How lenders price loans based on supply and demand
Why “shopping around” doesn’t actually work for most people
The real reason buyers overpay (especially under contract pressure)
How to make sure you don’t leave $15,000+ on the table

If you’re thinking about buying or refinancing, the key is being prepared BEFORE you’re in contract—so you can move quickly and get the best ex*****on when it matters.

If you want help structuring this the right way, reach out here:
👉 https://www.newwaymortgage.com/applynow

Subscribe for real, no-BS mortgage strategy:
More videos breaking down how to actually win with rates, timing, and lender strategy.

04/03/2026

Most homeowners don’t miss lower rates because they don’t happen…

They miss them because they weren’t ready when they did.

Mortgage rates don’t stay low for months. In many cases, the best opportunities last 24–72 hours before the market shifts again.

By the time most people:

Start looking into refinancing
Gather their info
Talk it over

…the window is already gone.

Now they’re stuck waiting — while overpaying every month.

The difference?

The people who actually win in this market are prepared before rates drop.

I call it a Strike Rate.

We figure out your numbers ahead of time, and when the opportunity hits — we lock it immediately.

If you want help setting yours up, message me “RATE” or apply here:
https://www.newwaymortgage.com/applynow

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