New American Funding Raleigh Durham Area - Russ Squires

06/02/2026

Rent payments build your landlord’s future. Homeownership helps build yours. 🏡✨

Many first-time buyers are surprised to learn there are loan options with lower down payments and programs designed to help make buying more achievable. Instead of paying rent year after year, you could start building equity in a home of your own.

Your home is more than a monthly payment. It’s stability, memories, and a long-term investment in your future. At New American Funding, we’re here to help guide you through every step with education, support, and loan options that fit your goals. 🤝🔑 Ready to explore your path to homeownership? Let’s create a plan that works for you. 📲

05/29/2026

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.

05/26/2026

Spring homebuying season is here, and buyers finally have more options and negotiating power than they’ve had in years. 🏡✨ But in popular areas, competition is still very real. That’s why having a strong offer, a trusted lender, and a clear game plan matters more than ever. Getting pre-approved early can help you move quickly and confidently when the right home hits the market. 🔑

05/21/2026

If you are feeling stretched by high interest debt, you are not alone. Credit cards and personal loans often come with higher rates that can make it hard to get ahead. But what many homeowners do not realize is that the equity in your home could be a powerful tool to help you simplify and save. 🏡💡A Home Equity Line of Credit, also known as a HELOC, allows you to tap into your home’s value and use it more strategically. This can mean consolidating high interest debt into one more manageable payment, often at a lower rate. It can also give you flexibility, since you only use what you need, when you need it.

This is not just about lowering payments. It is about creating breathing room, reducing financial stress, and giving yourself a clearer path forward. If you are curious how your equity could work for you, let’s connect and explore your options together. 🤝✨

05/19/2026

Nearly 1 in 3 Americans have more credit card debt than emergency savings, and that can feel overwhelming fast. 💳📉 High interest rates can make it difficult to get ahead, even when you are making monthly payments consistently.

For homeowners, a cash-out refinance may be an opportunity to consolidate debt into one more manageable payment and potentially lower your overall interest costs. At NAF, we are here to help you understand your options and build a plan that supports your financial goals. 🏡✨

05/15/2026

Did you know that 72.6% of buyers are putting down 10% or less when purchasing a home? 🏡📊 That means most buyers are NOT waiting years to save a 20% down payment, they’re using smart strategies to get into homes sooner.

In today’s housing market, there are powerful tools that can help make homeownership more accessible than ever:

✨ Down Payment Assistance Programs – grants or programs designed to help cover part of your upfront costs

✨ Low Down Payment Mortgage Options – allowing qualified buyers to purchase with as little as 3%–5% down

✨ Seller Negotiations & Credits – sometimes sellers can help cover closing costs, reducing your cash needed upfront

The truth is, waiting to save a large down payment can keep you on the sidelines longer than necessary. These programs are designed to bridge the gap between renting and owning 💡

At New American Funding, our loan officers work closely with homebuyers to break down these options in a simple, supportive way, so you can move forward with confidence, not confusion.

If homeownership has felt out of reach, it may be closer than you think 🏠✨📩 DM me to explore your options or ask questions about getting started!

05/12/2026

There is a lot of noise in today’s housing market, and it is easy to feel unsure as a first time homebuyer. But let’s clear something up. Not everything you are hearing online reflects what is actually happening. The truth is, three of the biggest fears right now are based more on headlines than facts. 📊🏡

First, mortgage rates are not expected to drop dramatically overnight. Most forecasts show them staying relatively steady, not crashing down. Second, while there are more homes for sale than last year, inventory is still below what we would consider a fully balanced market. That actually gives buyers more options without flooding the market. And third, home prices are not crashing. What we are seeing is a shift toward a more normal, steady pace after years of rapid growth.

The key takeaway? Do not let fear or misinformation delay your goals. The market is stabilizing, not collapsing. If you want clarity and a strategy that fits your situation, it starts with understanding your options. Let’s connect and map out your next step with confidence. ✨

05/08/2026

Thinking about selling your home in 2026? Now is the time to start preparing. Spring consistently brings the strongest mix of buyer demand, pricing power, and visibility, making it one of the best windows to list your home. And here’s the key, most sellers only take about a month to get their home market-ready. That means the sellers who win in spring are the ones who start prepping now. 🏡🌸

With more buyers actively searching and inventory still balancing out, you could see more showings, stronger offers, and a smoother selling experience. Even better, today’s market is giving sellers a bit more flexibility while still benefiting from seasonal momentum.

If selling is on your radar this year, let’s talk through your timeline and financing options so you’re fully prepared for your next move.

05/05/2026

You can’t control mortgage rates but you CAN control your strategy. And that’s where smart homebuying starts. As a mortgage lender, I always remind buyers: your credit score, your loan options, and your timeline have a direct impact on what you qualify for and how confident you feel making an offer. 📊

✨ Improving your credit can help unlock better mortgage rates

✨ Exploring different loan programs can open doors you didn’t know existed

✨ Choosing the right timing (when YOU are financially ready) puts you in control of the process

The market will always shift but your preparation is what sets you apart. When you focus on what you can control, you move from “hoping” to homeownership with a plan. 🔑 Ready to take control of your homebuying journey? Let’s Connect!

05/01/2026

5.0 star review received on Experience.com for Russell Squires by Kathy S - Russ was excellent to work with from start to finish. My buyers loved the NAF concierge experience, and Russ was always one step ahead throughout the process. He was attentive, responsive, and made sure everyone stayed informed and on track. I truly appreciate his professionalism and the way he helped make the process smooth for my clients. Highly recommend Russ and NAF

Click to see all 326 reviews of New American Funding - Russell Squires, Branch Manager | NMLS # 523647