United Modern Mortgage - powered by New American Funding

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United States
Santa Ana, CA
United Modern Mortgage - powered by New American Funding

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout CA, ID, MO, MT, TX, & WA

You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate. I've got great news...When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle. Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout CA, ID, MO, MT, TX, & WA

NMLS #294131
(949) 374-1833
[email protected]

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER
OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN
ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE
TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH
LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND
INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT
WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT
1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF
CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS
CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL
MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR
REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND
INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT
THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.

10/19/2026

A word about gratitude. 🙏

Faith keeps me grounded, family reminds me what matters most, and the work in between gives me a chance to serve people with care. I’m grateful for the people who trust me, encourage me, and make each day meaningful.

I try to bring that gratitude into every conversation and every homeownership journey. If you have a question about financing a home, I’m here to talk: https://www.nafhub.com/form/nmls/294131/src/46892434

Subject to credit approval and program guidelines.
Tim Hardin, Branch Manager, New American Funding | NMLS #294131 | Company NMLS #6606 | Licensed in CA | 1 MacArthur Pl, Suite 800, Santa Ana, CA 92707 | Equal Housing Opportunity | (949) 374-1833 | [email protected] | umm411.com

10/18/2026

Orange County real estate agents, I’d love to get to know you over coffee at my Mission Viejo office. ☕

Let’s sit down, talk through what may be slowing a deal down, and share what we’re seeing in the local market. No sales pitch, just a friendly conversation. There are no referral fees, gifts, or anything of value tied to referrals.

Call or email me to set up a coffee. I look forward to meeting you!

Subject to credit approval and program guidelines.

Tim Hardin, Branch Manager, New American Funding | NMLS #294131 | Company NMLS #6606 | Licensed in CA | 1 MacArthur Pl, Suite 800, Santa Ana, CA 92707 | Equal Housing Opportunity | (949) 374-1833 | [email protected] | umm411.com

10/18/2026

Orange County agents: when your buyer is self-employed, ask about the tax-return story early.

Write-offs can reduce the income a tax-return-based review can count. A buyer who looks strong on paper may need a different financing approach, so a little early discovery can help keep the deal from stalling.

Ask for two years of business returns and one year of business bank statements. Also ask how the buyer pays themselves. Those details can help us understand the full picture and discuss possible next steps, subject to credit approval and program guidelines.

Have a self-employed buyer? Start the pre-approval conversation here: https://www.nafhub.com/form/nmls/294131/src/46892434

Tim Hardin, Branch Manager, New American Funding | NMLS #294131 | Company NMLS #6606 | Licensed in CA | 1 MacArthur Pl, Suite 800, Santa Ana, CA 92707 | Equal Housing Opportunity | (949) 374-1833 | [email protected] | umm411.com

10/18/2026

Writing off business expenses doesn't automatically mean you can't qualify for a home loan.

Those deductions can lower the income shown on your tax return. But the next step is to look at how your self-employed income might be documented.

A bank statement loan may use eligible deposits shown on bank statements to help document income. A P&L loan may use a profit-and-loss statement, a summary of business income and expenses. These options are subject to credit approval and program guidelines, and they may not fit every situation.

Let's talk through what documentation may make sense for you. Start here: https://www.nafhub.com/form/nmls/294131/src/46892434

Subject to credit approval and program guidelines.

Tim Hardin, Branch Manager, New American Funding | NMLS #294131 | Company NMLS #6606 | Licensed in CA | 1 MacArthur Pl, Suite 800, Santa Ana, CA 92707 | Equal Housing Opportunity | (949) 374-1833 | [email protected] | umm411.com.

10/16/2026

Could the equity in a rental you already own help fund your next deal? 🏡

A cash-out refinance may let you access some of the equity in your property. Depending on your qualifications and the program’s terms, you could use those funds toward a down payment on another investment property.

Equity is the difference between what a property is worth and what you owe on it. The amount you may be able to access, qualification, and terms vary by program and situation. A cash-out refinance is subject to credit approval and program guidelines.

Thinking about your next investment? Let’s talk through your options: https://www.nafhub.com/form/nmls/294131/src/46892434

Tim Hardin, Branch Manager, New American Funding | NMLS #294131 | Company NMLS #6606 | Licensed in CA | 1 MacArthur Pl, Suite 800, Santa Ana, CA 92707 | Equal Housing Opportunity | (949) 374-1833 | [email protected] | umm411.com

10/16/2026

Sending documents is the start of a conversation, not a mystery. Here’s what happens next:

I review the information you share and look at how your income is documented. If I have questions or need more context, I’ll reach out and explain what would be helpful. I’ll keep you updated as we work through the review.

Once we’ve discussed what the documents show and the possible next steps, we can talk about getting ready to write an offer. Every file is different, and timing and next steps can vary.

If you’re thinking about buying, you can start a pre-approval conversation here: https://www.nafhub.com/form/nmls/294131/src/46892434

Subject to credit approval and program guidelines.
Tim Hardin, Branch Manager, New American Funding | NMLS #294131 | Company NMLS #6606 | Licensed in CA | 1 MacArthur Pl, Suite 800, Santa Ana, CA 92707 | Equal Housing Opportunity | (949) 374-1833 | [email protected] | umm411.com

10/15/2026

Christmas might be coming early for homebuyers and homeowners! 🎄🏡

Mortgage bonds have rallied as uncertainty in AI and tech stocks pushes investors toward bonds. That can help mortgage pricing, even while inflation remains a concern.

If a payment kept you from buying or refinancing recently, it may be worth taking another look at the numbers.

This isn’t a promise that rates will keep falling. Markets can reverse quickly, and your options depend on your specific loan and qualifications.

Message me “REVIEW” and let’s see what today’s options look like for you.

Tim Hardin | NMLS #294131
New American Funding | NMLS #6606
Equal Housing Opportunity

10/15/2026

Thinking about your first rental property? Down payment needs are generally higher for an investment property than for a home you’ll live in. The amount varies by program, so let’s talk through your plans and what to prepare.

Start here: https://www.nafhub.com/form/nmls/294131/src/46892434
Subject to credit approval and program guidelines.
Tim Hardin, Branch Manager, New American Funding | NMLS #294131 | Company NMLS #6606 | Licensed in CA | 1 MacArthur Pl, Suite 800, Santa Ana, CA 92707 | Equal Housing Opportunity | (949) 374-1833 | [email protected] | umm411.com

10/15/2026

If you’re self-employed, your tax return may not tell the whole story of your business income.

A profit and loss statement, or P&L, summarizes your business’s revenue and expenses over a period of time. With a P&L-only loan, a P&L prepared by a bookkeeper or CPA may be used to document business income instead of tax returns.

Why does this option exist? Business write-offs can reduce the income shown on tax returns. For some business owners, a P&L may help document income that isn’t reflected there. It could be worth exploring if you’re self-employed, keep clear business records, and have significant write-offs. Whether it fits depends on your documentation and eligibility.

Curious if this approach may fit your situation? Start with the pre-approval form: https://www.nafhub.com/form/nmls/294131/src/46892434

P&L-only loans are subject to credit approval and program guidelines.
Tim Hardin, Branch Manager, New American Funding | NMLS #294131 | Company NMLS #6606 | Licensed in CA | 1 MacArthur Pl, Suite 800, Santa Ana, CA 92707 | Equal Housing Opportunity | (949) 374-1833 | [email protected] | umm411.com

10/14/2026

More than 20 years in real estate and lending has shaped the work I choose to focus on today.

I’ve seen how self-employed income and real estate goals can come with details that deserve time and a thoughtful conversation. That’s why I focus on helping self-employed borrowers and real estate investors, whether they’re taking their first step or building on years of experience.

I help self-employed borrowers and real estate investors buy and refinance.

If you’re considering a purchase or refinance, let’s start a conversation: https://www.nafhub.com/form/nmls/294131/src/46892434

Tim Hardin, Branch Manager, New American Funding | NMLS #294131 | Company NMLS #6606 | Licensed in CA | 1 MacArthur Pl, Suite 800, Santa Ana, CA 92707 | Equal Housing Opportunity | (949) 374-1833 | [email protected] | umm411.com

Address

27101 Puerta Real Suite 370
Santa Ana, CA
92701

Website

http://www.umm411.com/, http://www.umm411.com/

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