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Bobbie Maurer - New American Funding, LLC NMLS# 22276

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Seekonk, MA
Bobbie Maurer - New American Funding, LLC NMLS# 22276

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Licensed in RI, CT, MA I have closed hundreds of purchase transactions and have become a household name when it comes to referring friends and family.

I have been in the mortgage industry since 2005 after I discovered my passion for assisting clients while working in the customer service industry and working towards my bachelors in History. I quickly excelled in my new role as a Mortgage Loan Originator; earning myself numerous awards and a reputation as a top producer in the industry. My compassionate, caring attitude towards my clients has allowed me to grow and truly dominate the Rhode Island purchase market. I specialize in first time home buyers, but I am certainly well-versed in all programs and products offered. o This is not a guarantee to extend consumer credit as defined by Section 1026.2 of Regulation Z. Programs, interest rates, terms and fees are subject to change without notice. All loans are subject to credit approval and property appraisal. New American Funding, LLC
Bobbie Maurer, NMLS ID 22276
501 Centerville Rd Suite 102
Warwick, RI 02886

11/02/2026

You bought your home, locked in a fixed interest rate, and know exactly what your monthly payment will be for the next 30 years… right?

Not necessarily!

Here's something that surprises many homeowners: Even with a fixed-rate mortgage, your total monthly payment can change over time.

Why? Because your mortgage payment may include more than just principal and interest.

Property Taxes – Changes in property assessments or local tax rates can increase or decrease your tax bill.

Homeowners Insurance – Premiums can change at renewal, affecting your monthly housing expenses.

Escrow Adjustments – If your lender collects taxes and insurance through escrow, changes in those costs or an escrow shortage can affect your monthly payment.

HOA Fees – If applicable, association dues or special assessments may also change your overall housing budget.

Here's the takeaway: A fixed interest rate doesn't always mean a fixed total monthly payment.

Understanding these expenses before purchasing can help you budget confidently and avoid unexpected financial surprises down the road.

With over 21 years of experience in the mortgage industry, I believe homeownership should come with clarity—not confusion.

Buying a home or wondering why your current mortgage payment changed?

Let's talk! I'm happy to help you better understand the numbers and plan for what's ahead.

📍 501 Centerville Road, Suite 102, Warwick, RI 02886
📲 401-440-7155
📧 [email protected]

Bobbie Maurer
Mortgage Loan Originator | NMLS #22276
New American Funding

For a fully amortizing fixed-rate mortgage, scheduled principal and interest payments generally remain the same. Escrow payments and other housing expenses may change.

10/30/2026

“I’m just going to wait until interest rates come down.”

Sound familiar? You're certainly not alone! But here's something worth considering...

Waiting for the perfect market doesn't always mean getting a better deal.

While you're waiting, a few things could happen:

Home Prices May Rise – A lower interest rate doesn't necessarily mean a lower purchase price.

Interest Rates Are Unpredictable – Rates can move in either direction, and there's no guarantee they'll drop when you're ready.

Rent Payments Continue – Every month you wait may mean another month of rent rather than building potential equity in a home of your own.

Equity Building Gets Delayed – Purchasing sooner could give you more time to build equity through mortgage principal payments and potential appreciation, although home values can also decline.

But here's the important part: Buying sooner isn't always better, either.

The right time to buy isn't determined by headlines or predictions. It's determined by your financial readiness, your goals, and what you can comfortably afford.

With over 21 years of mortgage experience, I've seen how important it is to look at the entire financial picture before making a decision.

Wondering whether buying now or waiting makes more sense for you?

Let's compare the possibilities together. No pressure to buy, just the information you need to make a confident decision.

📍 501 Centerville Road, Suite 102, Warwick, RI 02886
📲 401-440-7155
📧 [email protected]

Bobbie Maurer
Mortgage Loan Originator | NMLS #22276
New American Funding

Market conditions, home values, interest rates, and individual financial circumstances vary. Home appreciation and future savings are not guaranteed.

10/29/2026

Ever wondered why your friend, neighbor, or coworker received a different mortgage interest rate than the one you were quoted?

Here's something many homebuyers don't realize: Mortgage rates aren't one-size-fits-all!

Even when two people purchase homes around the same time, their interest rates can be different.

Why? Because several factors help determine the rate you're offered:

Credit History – Your credit profile can influence mortgage pricing.

Loan Program & Down Payment – Different financing options come with different rate structures.

Loan Term – A 15-year mortgage may have a different rate than a 30-year mortgage.

Debt-to-Income Ratio – Your existing financial obligations can affect loan eligibility and available options.

Property Type & Location – Where and what you're buying can also influence pricing.

Here's what matters most: The lowest advertised rate isn't necessarily the best mortgage for YOU.

A mortgage should fit your financial situation, monthly budget, and long-term goals—not someone else's.

With over 21 years of experience in the mortgage industry, I believe in helping buyers understand their options rather than simply chasing a number.

📩 Curious what factors could influence your mortgage rate? Let's have a conversation and explore what makes sense for your situation. No pressure, just real answers.

📍 501 Centerville Road, Suite 102, Warwick, RI 02886
📲 401-440-7155
📧 [email protected]

Bobbie Maurer
Mortgage Loan Originator | NMLS #22276
New American Funding

Rates and loan terms vary based on borrower qualifications, loan program, property details, and market conditions.

10/28/2026

You found the perfect home. The price fits your budget, and you're already imagining life inside those walls.

But here's something every homebuyer should know: The purchase price is only part of what it costs to own a home.

Beyond your mortgage principal and interest, there are other expenses to consider:

Property Taxes – Can vary significantly depending on location.

Homeowners Insurance – An important part of protecting your investment.

HOA Fees – An additional expense in certain communities.

Maintenance & Repairs – Because homeownership comes with responsibilities beyond closing day.

Utilities & Everyday Expenses – Costs that deserve a place in your monthly budget.

The goal isn't just to afford the home you love. It's to comfortably enjoy living in it.

With over 21 years in the mortgage industry, I've helped buyers look beyond the purchase price and understand the bigger financial picture.

Thinking about buying? Let's talk about what homeownership could realistically look like for your budget. No pressure, just helpful guidance.

📍 501 Centerville Road, Suite 102, Warwick, RI 02886
📲 401-440-7155
📧 [email protected]

Bobbie Maurer
Mortgage Loan Originator | NMLS #22276
New American Funding

10/28/2026

Life doesn't stand still just because you're buying a home. Opportunities come along, careers evolve, and sometimes your income changes when you least expect it.

But here's something many homebuyers don't realize: Even a positive change in income doesn't automatically mean a stronger mortgage application.

A promotion, a new position, or a switch from hourly pay to commission can change how your income is evaluated. And if your hours decrease or your employment situation changes, that matters too.

The good news? A change doesn't necessarily mean a setback.

What matters is understanding how that change fits into your overall financial picture and what documentation your lender may need.

With 21 years of experience in the mortgage industry, I've helped buyers navigate different financial circumstances, and one thing remains true: The earlier we communicate, the more time we have to explore the right next steps.

Your career should be moving forward, and your homeownership goals deserve thoughtful planning right alongside it.

Thinking about changing jobs, accepting a promotion, or adjusting your work schedule while buying a home? Let's talk before you make the move so you can understand how it may affect your mortgage.

No pressure. Just experienced guidance and real answers.

Bobbie Maurer
Mortgage Loan Originator | NMLS #22276
New American Funding

📞 401-440-7155
📧 [email protected]
📍 501 Centerville Road, Suite 102
Warwick, RI 02886

Income and employment changes are evaluated according to applicable loan program and underwriting guidelines. Loan eligibility is not guaranteed.

10/28/2026

A little help from family can make a big difference when purchasing a home. Whether it’s a contribution toward your down payment or assistance with closing costs, gift funds may help bring homeownership closer than you imagined.

But here’s something many buyers don’t realize: It’s not just about receiving the money—it’s about documenting it correctly.

Depending on your loan program, there may be specific requirements regarding who can provide the gift, how the funds are transferred, and what documentation is needed. In many cases, a gift letter confirming that repayment isn't expected is part of the process.

The best time to discuss gift funds is BEFORE the money changes hands.

With 21 years in the mortgage industry, I’ve helped buyers navigate the details that can make a meaningful difference in their homebuying experience.

Sometimes the greatest gift isn't just financial support—it's helping someone open the door to their future.

Have a family member who wants to help with your home purchase? Let's make sure that generosity works in your favor. Reach out anytime—no pressure, just helpful guidance!

Bobbie Maurer
Mortgage Loan Originator | NMLS #22276
New American Funding
📞 401-440-7155
📧 [email protected]
📍 501 Centerville Road, Suite 102
Warwick, RI 02886
Serving RI • MA • CT

Gift fund eligibility, acceptable donors, documentation requirements, and permitted uses vary by loan program. All financing is subject to applicable underwriting guidelines.

10/23/2026

It’s easy to fall in love with the kitchen, the neighborhood, or that perfect backyard. But before emotion takes the lead, it’s important to make sure the home fits your financial picture—not just your wish list.

The purchase price is only one piece of the equation. Your potential monthly payment, taxes, homeowners insurance, closing costs, available funds, existing debts, and loan options can all play a role in determining what makes sense for you.

And if the numbers aren’t quite where they need to be yet? That doesn’t mean giving up on homeownership. It may simply mean creating a strategy so you’re better positioned for the right opportunity.

After 21 years in the mortgage industry, one thing I’ve learned is that the best homebuying decisions happen when excitement and preparation work together.

Love the house—but make sure the numbers love you too.

Thinking about buying or already scrolling through listings? Let’s talk about the numbers before you fall in love with an address.

Bobbie Maurer
Mortgage Loan Originator | NMLS #22276
New American Funding
📞 401-440-7155
📧 [email protected]
📍 501 Centerville Road, Suite 102
Warwick, RI 02886
Serving RI • MA • CT

Loan options, qualification, rates, payments, and costs vary based on individual circumstances and applicable program guidelines.

10/22/2026

Getting that “ACCEPTED” news is one of the most exciting moments in the homebuying process. But between an accepted offer and getting the keys, there are still important steps ahead.

This is the time to stay consistent and stay connected. Respond quickly when documents are requested, keep track of important dates, and avoid making major financial changes—like opening new credit, financing furniture, or making a large purchase—without talking with your loan officer first.

That new couch may look perfect in your future living room… but let’s get the keys first.

With 21 years in the mortgage industry, I’m here to help you understand what comes next and keep you informed throughout the process.

Offer accepted? Let’s keep that momentum going all the way to closing day.

Bobbie Maurer
Mortgage Loan Originator | NMLS #22276
New American Funding
📞 401-440-7155
📧 [email protected]
📍 501 Centerville Road, Suite 102
Warwick, RI 02886
Serving RI • MA • CT

Loan approval and closing are subject to applicable underwriting requirements, loan program guidelines, and individual circumstances.

10/22/2026

Sometimes the most valuable first step isn’t house hunting—it’s simply understanding where you stand today and what could help you get where you want to go.

Maybe you’re working on your credit. Maybe you want to pay down some debt, build your savings, or you’re simply not sure what your options look like yet. Whatever the reason, you don’t have to have everything figured out before asking questions.

The goal is to identify what may be standing between where you are now and where you want to be, then create realistic steps to help you move forward.

With 21 years in the mortgage industry, I can help you understand the bigger picture and start building a plan around your goals and timeline.

You don’t have to be ready today. You just need to know what your next step could be.

Thinking homeownership might be in your future? Let’s start with a conversation—no pressure, just a plan.

Bobbie Maurer
Mortgage Loan Originator | NMLS #22276
New American Funding
📞 401-440-7155
📧 [email protected]
📍 501 Centerville Road, Suite 102
Warwick, RI 02886
Serving RI • MA • CT

Loan options, eligibility, and requirements vary based on individual circumstances and applicable program guidelines.

10/20/2026

Seeing a lower appraisal can feel like a major setback—but it doesn’t automatically mean the deal is over.

An appraisal helps determine the property’s value for lending purposes. If that value comes in below the agreed purchase price, it’s time to look at the numbers, understand the report, and evaluate the options available for that specific transaction.

Depending on the circumstances, next steps could include reviewing the appraisal for potential errors, discussing the value with your real estate agent and lender, renegotiating aspects of the transaction, or exploring other solutions that may be available.

A low appraisal is a situation to work through—not a reason to immediately assume homeownership is off the table.

This is where having experienced professionals in your corner can make a difference. With 21 years in the mortgage industry, I’m here to help you understand what’s happening, what your options may be, and what comes next.

📲 Questions about an appraisal or your path to homeownership? Let’s talk through it together.

Bobbie Maurer
Mortgage Loan Originator | NMLS #22276
New American Funding
📞 401-440-7155
📧 [email protected]
📍 501 Centerville Road, Suite 102
Warwick, RI 02886
Serving RI • MA • CT

Options and requirements vary by loan program, property, appraisal findings, contract terms, and individual circumstances.

Address

501 Centerville Road Suite 102
Seekonk, MA
02886

Telephone

+14014407155

Website

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