How To Buy A Home

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How To Buy A Home Illinois Residential Mortgage Licensee
Kansas Licensed Mortgage Company
For licensing information, go to: www.nmlsconsumeraccess.org

My business thrives on referrals, so I really appreciate recommendations to people who would benefit from my help. My tenured experience in Finance, Real Estate, and Banking, coupled with my unique background in several lending industries provides the customer with Comprehensive Lending Services that can be tailored to their individual and unique needs. By working with real estate professionals and business owners I have the cutting edge over my competition through a complex acumen of all areas of finance. Melisa Jones
NMLS - 965518

Melisa Jones NMLSR ID 965518
New American Funding NMLS: 6606
Equal Housing Lender

Your house has a way of letting you know when something needs attention. 👀 Fall is a good time to catch the little thing...
10/13/2026

Your house has a way of letting you know when something needs attention. 👀

Fall is a good time to catch the little things before they become bigger ones.

www.loanswithjones.com

Higher rates can change the numbers, but they don’t automatically mean you have to put your plans on hold. The best plac...
10/06/2026

Higher rates can change the numbers, but they don’t automatically mean you have to put your plans on hold.

The best place to start is understanding what today’s rates mean for your budget and options. 🏡

www.loanswithjones.com

Want to buy your next home before selling your current one? It’s not always as complicated as it sounds. There are a few...
09/29/2026

Want to buy your next home before selling your current one?

It’s not always as complicated as it sounds. There are a few ways to make the timing work, depending on your finances and equity.

Let’s talk through your options before you make a move. 🏡

www.loanswithjones.com

If you're buying a home and see "seller concessions" come up in the conversation, don't worry. I'm happy to help you und...
09/22/2026

If you're buying a home and see "seller concessions" come up in the conversation, don't worry. I'm happy to help you understand how they could work with your loan. 🏡

www.loanswithjones.com

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You've probably heard the term mortgage contingency during the homebuying process, but what does it actually mean? 🤔 Sim...
09/15/2026

You've probably heard the term mortgage contingency during the homebuying process, but what does it actually mean? 🤔

Simply put, it's a condition in your purchase agreement that gives you time to secure your mortgage financing.

Have questions about the mortgage side of buying a home? That's what I'm here for! 🏡

www.loanswithjones.com

Fall is basically your home's reminder to get ready for winter. 🍂 Before the temperatures really start dropping, take a ...
09/08/2026

Fall is basically your home's reminder to get ready for winter. 🍂

Before the temperatures really start dropping, take a little time to check the things around your home that are easy to forget.

A few minutes of maintenance now can help you avoid bigger and more expensive problems later.

Save this list and give your home a little fall prep! 🍁

www.loanswithjones.com

A second mortgage can be a useful financial tool for some homeowners, especially if you've built up equity in your home ...
09/01/2026

A second mortgage can be a useful financial tool for some homeowners, especially if you've built up equity in your home and have a larger expense or financial goal in mind.

The important part? Making sure it actually makes sense for you.

Your goals, equity, credit, income, and existing mortgage can all play a role in determining whether this type of financing is a good fit.

www.loanswithjones.com

The purchase price isn't the only number you need to think about when buying a home. There are a few other expenses tha...
08/25/2026

The purchase price isn't the only number you need to think about when buying a home.

There are a few other expenses that can sneak up on buyers, from closing costs and moving expenses to repairs and the occasional "well, we didn't plan for THAT" moment. 😂

Save this post to prepare for what's ahead!

www.loanswithjones.com

The asking price isn't always the only thing you can negotiate when buying a home. 👀 Depending on the situation, buyers ...
08/18/2026

The asking price isn't always the only thing you can negotiate when buying a home. 👀

Depending on the situation, buyers may be able to negotiate things like the purchase price, seller concessions, repairs, the closing date, and even certain items that stay with the home.

Every transaction is different, so it's important to work with your real estate and mortgage professionals to understand what makes sense for your situation.

www.loanswithjones.com

School districts can influence buyer demand, future resale value, neighborhood appeal, and even property taxes. That's w...
08/11/2026

School districts can influence buyer demand, future resale value, neighborhood appeal, and even property taxes. That's why it's worth considering the bigger picture when choosing where to buy.

Every buyer has different priorities, and understanding how location fits into your long-term goals can help you make a more informed decision.

www.loanswithjones.com

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St. Louis, MO

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