Mike Ronca - NMLS 260427 - New American Funding

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Mike Ronca - NMLS 260427 - New American Funding

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Michael C. Ronca, Sales Manager
NMLS #260427
Cell 757-675-3072

Ronca, Branch Manager, Producing
Licensed Mortgage Originator
NMLS #260427
Cell 757-675-3072
Cardinal Financial Company, Limited Partnership
Equal Housing Opportunity

For licensing information, go to: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/66247
Licenses: www.cardinalfinancial.com/nmls-licensing

Company NMLS 66247

22/10/2026

Buying a home doesn't always mean paying the asking price! With many homes selling below their original list price, there may be room to negotiate and make your home purchase more affordable.

As your lender, I’m here to help you understand your budget, explore your mortgage options, and work alongside your real estate agent to plan your next move. 🤝

📩 Ready to explore your options? Let's talk about your homebuying goals!

20/10/2026

Think you need a huge down payment to buy a home? Think again! 👻 Down payment assistance programs may help make homeownership more achievable, and some options are available to buyers beyond first-time homeowners. Eligibility, repayment terms, and available programs vary, so don’t count yourself out before exploring your options!

💙 Let’s connect and see what down payment assistance opportunities may be available to you!

15/10/2026

The Mortgage Rate You See Online May Not Be Your Rate!

Before putting your homebuying plans on hold because of mortgage rate headlines, remember that your personal financial situation matters! 🏡

Lenders consider factors like your credit score, income, existing debts, down payment, and loan type when determining your mortgage options. Getting pre-approved can help you understand what you may qualify for and what your monthly payment could look like.

At NAF, we’ll help you explore your options, understand the numbers, and make an informed decision about when to buy. 🤝

Curious about your buying power? Connect with a loan officer to explore your options!

13/10/2026

A lower payment at the start? 👀🏡

A temporary mortgage rate buydown can give buyers some breathing room during the first few years of homeownership. A seller or builder may contribute upfront to temporarily lower your interest rate, which can mean a smaller monthly payment at first. 💰

The rate then returns to the original rate, so understanding the full payment is important. Want to know if a buydown could work for your homebuying plan? Let’s talk! 🔑

09/10/2026

Renting and owning both come with a monthly housing payment but homeownership may give you the opportunity to build equity over time. 🏡💰 Curious if buying could make sense for you? I’m here to help!

08/10/2026

Your home equity could be a powerful financial tool. 🏡💰 From home improvements to paying down high-interest debt, you may have more options than you realize. I’m here to help you explore them! Let’s chat. 📲

06/10/2026

Mortgage rates moved back above 7% but that doesn’t mean your homebuying plans have to stop. 🏡📈 Rates have reached similar levels before, and your options depend on much more than one number. Let’s look at your goals, budget, and loan options together. 📲

01/10/2026

Closing costs are more than just your down payment.

When you purchase a home, you may also have costs connected to the lender, title services, prepaid items, appraisal, inspections, government recording, and escrow reserves. 🏡

Understanding these expenses early can help you create a more realistic homebuying budget. At NAF, we’re here to walk you through the numbers and help you understand what you may need to bring to closing.

Want to better understand your potential homebuying costs? Let’s talk!

18/09/2026

Student loans don’t automatically put homeownership out of reach. Many first-time homebuyers are balancing student loan payments while making their dream of owning a home a reality. Ready to learn what may be possible for you? Reach out today! 🔑

11/09/2026

Your money may be able to do more than just sit in your checking account. 💵🏡
With a HELOC Sweep, eligible excess funds deposited into your connected checking account can help reduce the interest you owe on your home equity line, while remaining available to spend during the draw period.
No extra payments. No complicated transfers. Just a different way to put your available cash to work. 🔄✨
Curious if this strategy fits your financial goals? Let’s connect!

Address

Telephone

+17576753072

Website

http://mikeronca.com/

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