Michael Caras of New American Funding

10/12/2026

Your home equity could be a powerful financial tool. 🏡💰
A cash-out refinance allows you to replace your current mortgage with a new, larger loan and receive the difference in cash—giving you funds that may be used for things like consolidating high-interest debt, home improvements, education costs, medical expenses, or other financial goals.
Of course, it’s important to look at the full picture, including your new payment, closing costs, and how much equity you’ll have remaining.
Curious if a cash-out refinance could make sense for your goals? Let’s talk about your options.

10/09/2026

Big Investments. Smaller Down Payments. New American Funding's 90% LTV Investment Property Loan keeps more cash liquid for the next deal. Invest with less, message me to get started

10/07/2026

What could your rent payments be building for you? 🏠 Instead of paying toward your landlord’s investment, homeownership can give you the opportunity to build your own equity over time. 🔑 NAF is here to help you understand your options and take the next step. 💬 Ready to see what buying could look like for you? Let’s talk!

10/05/2026

With NAF Cash, you can make an all-cash offer while leveraging your VA Loan benefits to stand out in a competitive market.

10/05/2026

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming loan limits are climbing. The single-unit figure is projected to hit $845,000, a bump from the current $832,750—and NAF is already writing loans at the new number, before the Federal Housing Finance Agency (FHFA) makes it official in November. That line is the dividing wall between Conventional and Jumbo financing. Jumbo means tighter qualifying rules, heavier documentation, and frequently a heftier down payment. Conventional means a smoother, more straightforward process. If a deal stalled just above the old limit, let's revisit it. Message me and we'll run the numbers.

10/01/2026

Big news! I’ve officially joined New American Funding! I couldn’t be more excited for this next chapter and the chance to help even more families make their homeownership dreams come true.

08/03/2026

5.0 star review received on Experience.com for Michael Caras by Carissa D - Mike was recommended to us by friends and we would enthusiastically do the same.

Read more: https://experience.com/reviews/michael-caras-335248/3a96c8a0-ee4e-4bdb-9616-2a88c5902990?V=1785775260&utm_source=facebook&utm_medium=autopost&utm_content=13380796

08/03/2026

5.0 star review received on Experience.com for Michael Caras by John D - Mike was very patient, responsive and explained the process every step of the way.

Read more: https://experience.com/reviews/michael-caras-335248/afccf879-db36-492d-97b4-0787f2ea3b07?V=1785768059&utm_source=facebook&utm_medium=autopost&utm_content=13380787

05/23/2026

5.0 star review received on Experience.com for Michael Caras by Patrick J - Fast informative responses to all of my many

Click to see all 62 reviews of Michael Caras at CrossCountry Mortgage, Senior Loan Officer | NMLS #1489370

11/24/2025

5.0 star review received on Experience.com for Michael Caras by Jared B - Michael Caras really cares about helping his clients he is knowledgeable about mortgages. Michael was easily reachable either by phone or email. Michael went above and beyond for my wife and I. This allowed us to purchase our forever dream home.

Click to see all 61 reviews of Michael Caras at CrossCountry Mortgage, Senior Loan Officer | NMLS #1489370