Justin Brown New Construction Booklet

BUYING YOUR NEW HOME LENDER OF CHOICE

New Construction HOMEBUYER GUIDE

WHY CHOOSE US THE RIGHT LOAN FOR YOU

New American Funding’s builder specialists

We can lock your rate for six months or

will help ensure your loan funds on time so

more, so that you can keep your loan

you can move into your new home as soon

approval and payment even if rates rise. If

as it’s ready.

rates fall, you will have access to a free float down.

Our experienced sales team finds solutions

Our builder process keeps you in the loop

for every challenge. Our thorough pre-

every step of the way. We promise to have

approval process assures that you will get

your back. We’re here for you, and we will

the right loan for you and your family,

work with you to get the best loan for your

chosen from our huge inventory of

family and your situation.

programs.

JUSTIN BROWN Branch Manager NMLS# 242219

Justin Brown is a seasoned builder loan mortgage professional who has expertise working with home builders that develop condos, PUDs and single family

JUSTIN BROWN

MEET YOUR LENDER

homes. Servicing his Builder Clients is Justin's Number One Priority. He conducts face-to-face personal meetings with his builder clients and continuously communicates with them during the loan process.

New American Funding has a Dedicated Builder Division led by a Team of Seasoned Lending Executives. Our goal is to create partnerships with builders within our key markets. We nail it when comes to happy customers, elated builder clients and repeat business.

NOMADIC

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HOME BUYING PROCESS LENDER OF CHOICE

GET PRE-APPROVED!

Your Mortgage YOUR TERMS Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act License, NMLS # 6606. All programs are subject to borrower and property qualifications. Terms and conditions are subject to change without notice. Not all applicants will qualify. Corporate Office 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010. 07/2018

THE RIGHT LOAN FOR YOU New American Funding reduces the risk involved in securing a loan, ensuring that the loan is in order when construction is complete.

CONVENTIONAL

JUMBO

Purchase

Competitive Rates

Adjustable & Fixed Rate

Owner Or Non-Owner Occupied

Mortgage Options

Acceptance of different income

Owner-Occupied, Second Homes

streams (Asset Depletion,

& Investment Properties

FHA

Restricted Stock Units, Stock Option)

VA - VETERAN

Purchase & Rate/Term Refinancing

No Down Payment Required

Owner-Occupied Primary Residence

No Monthly Mortgage Insurance

Can use gifts toward the home

Premiums

down payment

Right To Prepay Loan Without Penalty

EXTENDED RATE LOCK PROGRAM With the longer term rate lock option, you can lock your rate up to 270 days! With our Float Down Option, you can lock in your rate today. And, if rates drop, you can secure that ultra low rate later!

Your Mortgage YOUR TERMS

WHY NEW CONSTRUCTION Buying a NEW home is very exciting. You’re able to have the builder customize the home before construction is completed, so it will be built with your personal touch and painted in your color palette – a big bonus! With new construction or pre-construction purchases, the work is done for you. You don’t have to lift a finger, a paint brush, or a hammer.

Top reasons cited for purchasing new construction homes

9% 10%

Green/energy efficiency

Lack of inventory of existing homes

17%

40%

Amenities of new home

Avoid renovations or

construction communities

existing problems

24% Ability to choose & custom design

Source: NAR Profile of homebuyers and sellers 2014