Tonya Sample Mortgage Specialist NMLS 398603

Tonya Sample Mortgage Specialist NMLS 398603 Hi, I’m Tonya! Your mortgage planner, educator and biggest hype girl. I love helping people build wealth through homeownership.

With over 16 years of experience as an Executive Mortgage Planner, I have honed my expertise in connecting clients with tailored mortgage solutions that best meet their unique needs. Backed by a strong network of industry resources and a knowledgeable team, I offer a comprehensive approach to home financing, ensuring a smooth and informed process every step of the way. Whether you're a first-time homebuyer or a seasoned investor, my goal is to help you achieve your homeownership dreams. I pride myself on building lasting relationships and providing personalized guidance to navigate the complexities of the mortgage landscape. Let's work together to secure the right mortgage solution for your future.

09/24/2026

Feeling grateful this for the amazing clients I get to help every day! Thank you for trusting me to guide you through one of the biggest decisions of your life. Ready to start your homeownership journey? Let’s connect! 🏡💛

09/22/2026

DID YOU KNOW? A seller concession could mean the seller helps cover certain costs when you buy a home. 🏡🍂

A seller concession simply means the seller agrees to pay certain costs for the buyer as part of the home purchase. For example, instead of paying all eligible closing costs yourself, you may be able to negotiate for the seller to help cover some of them. That could mean less money coming out of your pocket at closing. 💰🏡


Thinking about buying this fall? 🍂 Let’s talk through your numbers, your options and what could make sense for you.



Fall is a great time to get serious about your homebuying budget. One of the biggest misconceptions about buying a home ...
09/21/2026

Fall is a great time to get serious about your homebuying budget. One of the biggest misconceptions about buying a home is assuming every buyer needs a 20% down payment. Depending on the loan program and your qualifications, lower down payment options may be available, which can make your savings goal look very different. 🏡🍂

Before putting your homeownership plans on hold, explore the numbers and learn which mortgage options may fit your financial situation. Ready to see what could be possible? Let’s connect.

5.0 star review received on Experience.com for Tonya Sample - New American Funding by Chiara D - Tonya really helped me ...
09/18/2026

5.0 star review received on Experience.com for Tonya Sample - New American Funding by Chiara D - Tonya really helped me with a tough situation. She cared about what my concerns were and was a big part in helping me make my many decisions. Her warmth helped me greatly with choosing to refinance and feeling good about doing so. I really appreciate that she took the time to have lengthy phone calls to make sure I understood the process and what each decision would look like for me. The process was quick and easy and no surprises. She was very good at explaining every little step so that it would go smoothly. I would work with her again! An overall amazing experience.

Read more: https://experience.com/reviews/tonya-sample/aa30b698-36eb-4532-9543-ba3af59c1a8a?V=1789700866&utm_source=facebook&utm_medium=autopost&utm_content=13653468

09/17/2026

Buying your next home before selling your current one? 👀 There’s a mortgage option you may want to know about: a mortgage recast.

After your current home sells, you may be able to put some of those proceeds toward your new mortgage. Your lender can then recalculate your payment based on the lower loan balance.
A recast may help you:
🏡 Lower your monthly payment
💰 Keep your current interest rate
📉 Avoid refinancing
⏰ Keep the same loan term

Not every loan qualifies, and rules and fees vary by lender.
If you’re thinking about buying before selling, let’s talk through your timeline and the options that may fit your situation. 🏡❤️

09/17/2026

I’m so grateful for the clients who let me be part of their homeownership journey! This , thank you for trusting me to help make your dream home a reality. If you’re ready to start your journey, I’m here for you! 💛🏠

WAIT… you mean I might be able to KEEP my current house and still buy the next one? 👀Yep. And a common guideline scenari...
09/16/2026

WAIT… you mean I might be able to KEEP my current house and still buy the next one? 👀

Yep. And a common guideline scenario makes this option a whole lot more interesting.

If you’re buying a new primary residence and converting your current home into a rental, a signed lease may not always be required to use rental income for qualifying.

Instead, we may be able to use the market rent determined by the appraisal.
Even better: 75% of that projected rent may be used to offset the housing payment on the home you’re keeping 🙌

New to being a landlord? There can be an additional reserve requirement, generally 6 months but eligible assets may include more than just money sitting in your checking account.

And this is exactly why I tell buyers:
Don’t make a real estate decision based on what you THINK mortgage guidelines say.

Run the numbers first.
Selling may make sense.
Keeping it may make more sense.
Let’s figure out which one actually works for you.

🏡 Want me to run a “sell it vs. keep it” scenario? Message me. Relax. I got you. ✨

🍂 A new season can be the perfect time to take a fresh look at your future. If you’re currently renting and wondering wh...
09/14/2026

🍂 A new season can be the perfect time to take a fresh look at your future. If you’re currently renting and wondering whether buying could be possible, it all starts with understanding your options. 🏡

From exploring mortgage programs to discussing down payment assistance, New American Funding is here to help make the process easier to understand and less overwhelming. 💙

📲 Ready to see what your next chapter could look like? Let’s connect and start the conversation!

Apparently AI has been paying attention. 😂✔️Mortgage planner. ✔️ Problem solver. ✔️ Professional over-explainer of why u...
09/12/2026

Apparently AI has been paying attention. 😂

✔️Mortgage planner.
✔️ Problem solver.
✔️ Professional over-explainer of why underwriting absolutely does need all 37 pages of your bank statement. ☕️🏡

I lend across the USA, and no matter the loan type, I’m here for the 👉🏻 “Okay Tonya, this one’s a little complicated…” situations! 😂

My actual job description?

❤️ Help people.
❤️ Solve problems.
❤️ Run the numbers.
❤️ Explain the numbers.
❤️ Calm everyone down. 😂
❤️ Make homeownership feel a whole lot less intimidating.

And somewhere between clients, family, faith, networking, HomeGoods runs, coffee and trying to sneak in some beach time…🛍️☀️

Mortgages don’t have to be boring. And they definitely don’t have to be scary.💯

Relax. I got you. ❤️

09/10/2026

This , I’m taking a moment to say a heartfelt thank you to the clients who have trusted me throughout their homeownership journey. 🏡💛

Choosing a mortgage lender is an important decision, and I never take that trust for granted. Being able to support, guide, and celebrate alongside my clients is something I’m truly grateful for.

Thank you for allowing me to be part of such an important chapter in your life. Thinking about your own next step? Let’s connect and talk about your goals!

Address

14511 Myford Road, Suite 100
Maple Grove, MN
92780

Telephone

+17632132195

Website

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