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- Impacts of credit and how to manage - Small steps toward better financial health Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter New American Funding NMLS #6606 © 2024 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/

- Is the data completely manipulated? - What to expect moving forward - Wait or take action? Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter New American Funding NMLS #6606 © 2024 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/

New Program allowing kids to buy homes for their parents!?  Highest Credit Scores we have ever seen….but there’s bad news New Options for Bridge Loans and Re-Casting of your mortgage to reduce payments Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter New American Funding NMLS #6606 © 2024 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/

What to expect post FED's meeting Most commonly asked questions this week: - Renovation Loans - Waiting or Buying Now - Refinancing and Credit Card Debt - Build Your Own Home??? Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter New American Funding NMLS #6606 © 2024 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/

When should we refinance? What should we monitor when it comes to your debt and credit? Positive Financial Mindset in 2024? Small changes add up to big impacts. Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter New American Funding NMLS #6606 © 2024 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/

1. Volatile Interest Rate Environment. Ups and downs, also an election  2. Financial Awareness. Budgeting, credit scores, credit cards. Waiting to refinance. 3. Finances and Lifestyle. Do you need a second job or a second look at your spending 4. Should I wait or make the jump in 2024. Government loans, dependencies on seller credits for closing costs, zero down loans etc. Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter New American Funding NMLS #6606 © 2023 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/

Special Guest: Craig Black What is an appraisal? Major differences in FHA/VA/Conventional appraisals Subject to repairs, things sellers can to to prevent needing repairs Comps: how far back and what qualifies as a comparable sale? How many comps are required? Is this different for refi or purchase? What is your prediction for the future of appraisals? Will automation play a role? Will human appraisers still be used? Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter New American Funding NMLS #6606 © 2023 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/

Special Guest Tyler Ross 1.) Why do insurance costs continue to soar. 2.) How insurance can terminate transactions and prevent you from buying a home. 3.) Your personal insurance credit score? 4.) Is it better to get a deal or pay full premium. Tips and tricks from Tyler Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter New American Funding NMLS #6606 © 2023 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/

Special Guest Jennifer Blankl  1. How does money impact our emotions, mindset and relationships  2. Different Perspectives and different Human Needs  3. Resentment playing a role in how we spend our money  4. Rich vs. Poor  5. Culture in this Country & Family Dynamics  Link for Jenn’s Human Needs Evaluation Quiz https://jenniferblankl.com  Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter New American Funding NMLS #6606 © 2023 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/

What is an overlay? Why do I get two different answers from two different companies? Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter Scott Kurahara Mortgage Loan Originator NMLS 888734 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/scottkurahara New American Funding NMLS #6606 © 2023 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/

The 2024 new conventional loan limits are now accessible in October of 2023. What you need to know from the fine print. Jumbo vs Conventional Loan Guidelines and qualifications. The breakdowns of buying a very expensive house and how to qualify for it. Setting a budget to have the least amount of competition when buying a home. Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter New American Funding NMLS #6606 © 2023 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/

Below are the main topics Carp and Addy cover in today’s POD. Holiday Budgeting Holidays are around the corner. Thoughts on budgeting and how to use your money to make you money. Condos & HOAs What to know about condos and how HOAs work. Seems bad but could be a good thing. Bad Pre Approvals Breaking down the most common issues with people not getting pre approved or having a bad approval prior to buying a house. Addison Nett Mortgage Loan Originator NMLS 1542184 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/addisonnett Casey Carpenter Mortgage Loan Originator NMLS 1548123 New American Funding Website/Contact https://www.newamericanfunding.com/mortgage-loans/caseycarpenter New American Funding NMLS #6606 © 2023 New American Funding, LLC. All Rights Reserved NMLS Website: https://www.nmlsconsumeraccess.org/