Mike Ronca - NMLS 260427 - New American Funding

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Mike Ronca - NMLS 260427 - New American Funding 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

Homeownership is about more than having a place to live. It’s about building long-term wealth over time. 🏡📈 The gap betw...
05/06/2026

Homeownership is about more than having a place to live. It’s about building long-term wealth over time. 🏡📈 The gap between homeowners and renters’ net worth continues to grow, showing how powerful owning a home can be for your financial future. Buying a home may feel overwhelming at first, but starting your journey sooner could help you begin building equity instead of paying rent month after month. 🔑✨ Let’s talk about your options and create a plan that fits your goals. 📲

June is National Homeownership Month, a time to celebrate the dream of owning a home and the opportunities that come wit...
02/06/2026

June is National Homeownership Month, a time to celebrate the dream of owning a home and the opportunities that come with it. 🏡💙 Homeownership is about more than having a place to live. It can help build equity, create stability, and support long-term financial goals.

Whether you're a first-time homebuyer or planning your next move, understanding your options is the first step. At New American Funding, we're here to help guide you through the mortgage process with education, support, and solutions tailored to your goals. ✨

Homeownership may be closer than you think. Let's explore your options together. 📲

29/05/2026

Moving day made easier 🏡➡️🏡 With NAF Concierge, you can skip the long to-do list of setting up utilities, security, and internet. We handle the coordination for you, saving you 5–7 hours of work ⏳✨

More time packing, less time calling providers 📞

Prequalified and preapproved are NOT the same thing. 🏡 A prequalification gives you a general estimate of what you may q...
27/05/2026

Prequalified and preapproved are NOT the same thing. 🏡 A prequalification gives you a general estimate of what you may qualify for using basic financial information. A preapproval goes deeper by verifying your finances and can make your offer much stronger with sellers. 🔑

If you’re serious about buying this season, getting preapproved can help you shop with more confidence and clarity.

If your home hasn’t sold yet, don’t panic. 🏡 More inventory means buyers have more choices right now, but the right pric...
27/05/2026

If your home hasn’t sold yet, don’t panic. 🏡 More inventory means buyers have more choices right now, but the right pricing, presentation, and strategy can still make a big difference. Sometimes small updates, seller incentives, or adjusting your marketing approach can help your listing stand out and attract serious buyers. Having the right mortgage and real estate strategy can help you move forward with confidence.✨

Your home equity can do more than just sit there. 🏡 A cash-out refinance may help homeowners fund renovations, consolida...
22/05/2026

Your home equity can do more than just sit there. 🏡 A cash-out refinance may help homeowners fund renovations, consolidate debt, cover college tuition, prepare for emergencies, or even invest in another property. At New American Funding, we’re here to help you understand how to use your equity strategically and responsibly. ✨ The right financial strategy could help you take the next step toward your goals.

Homebuying moves faster when you’re prepared before you even make an offer. 🏡 Having your documents ready, getting pre-a...
21/05/2026

Homebuying moves faster when you’re prepared before you even make an offer. 🏡 Having your documents ready, getting pre-approved, and scheduling inspections quickly can help make your closing process smoother and less stressful. At New American Funding, we help guide buyers every step of the way so you can move forward with confidence. ✨ Planning ahead today can help make your path to homeownership easier tomorrow.

Many homeowners misunderstand how a HELOC really works. A HELOC is not the same as a fixed loan or credit card. It is a ...
19/05/2026

Many homeowners misunderstand how a HELOC really works. A HELOC is not the same as a fixed loan or credit card. It is a revolving line of credit secured by your home, which means your available funds, payments, and interest can change over time depending on market rates and how much you borrow. 📈🔑

Understanding your home financing options is key to protecting your financial future while maximizing your equity wisely.

Let’s talk about something most buyers don’t realize… 👇 Over 72% of homebuyers are purchasing with 10% down or less! 🏡📉 ...
15/05/2026

Let’s talk about something most buyers don’t realize… 👇 Over 72% of homebuyers are purchasing with 10% down or less! 🏡📉

That completely changes the way we should think about buying a home in today’s market.

You don’t always need 20% saved up to become a homeowner. In fact, there are multiple pathways designed to help you get there sooner:

💰 Down Payment Assistance Programs that help reduce upfront costs

🏡 Low Down Payment Loan Options for qualified buyers

🤝 Negotiated Seller Contributions that can help cover closing costs

These strategies are game-changers, especially for first-time homebuyers or anyone feeling stuck in the renting cycle. Instead of waiting years to save, many buyers are using these programs to start building equity now rather than later 📈

At New American Funding, we believe education is power. Our loan officers guide buyers step-by-step so you understand what’s possible based on your goals, income, and credit profile.

Because homeownership shouldn’t feel overwhelming, it should feel achievable 💙📲 Ready to see what you qualify for? Send me a message and let’s break it down together!

13/05/2026

Your home can do more than provide a place to live — it can also support your financial goals 🏡💸 With a cash-out refinance, homeowners are able to access their equity and use it for debt payoff, renovations, unexpected expenses, or long-term financial planning. Depending on your situation, it may even be possible to reduce your monthly payment while receiving cash back. It’s all about using your equity in a smart and strategic way 💡

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VA

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+17576753072

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