Sacramento roots. A more personal way home.(916) 465-6639
A NEW WAY TO FINANCE HOME

Sacramento mortgage broker.
Your next chapter.

Buying your first home. Making your next move. Putting your equity to work. Let’s find the mortgage that fits your life—not the other way around.

Explore my options Run the numbers

A real conversation. Clear choices. No credit check from a website inquiry.

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THE NEW WAY HOMEStart with what matters to you.01 / YOUR NEXT MOVE
CHOOSE YOUR STARTING POINT

Different goals.
One clear next step.

01

I’m buying a home

From the first conversation to the closing table, understand your buying options.

02

I’m refinancing

Compare payments, costs and timing before deciding whether a refinance makes sense.

03

I want to use my equity

Explore ways to fund a project, consolidate debt or access home equity.

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MORTGAGES, WITH CONTEXT

More than a rate.
A plan you understand.

Getting a home loan should be Fast, Easy & Cheap. We use technology, communicate clearly and help you compare the tradeoffs—not just the headline.

Aaron Clowes brings mortgage experience and an Air Force veteran’s perspective to helping you navigate your next decision.

01 · Compare your options02 · Understand the costs03 · Choose your next move
Meet with Aaron
YOUR NUMBERS, IN FOCUS

What does “home”
look like in your budget?

Payment estimates, rent versus buy, points, buying power and more. Explore twelve scenario tools without handing over your contact information.

Open the mortgage calculators
MAKE THE NEXT CONVERSATION COUNT

Already have a quote?
Let’s make sense of it.

Compare costs, credits, payments and the questions a headline rate cannot answer.

Get a second opinion
NOT SURE WHICH PROGRAM TO ASK FOR?

Start with your situation.

Self-employed? Investing? Buying before selling? There’s a better starting point than guessing a loan type.

Find my situation
VETERAN TO VETERAN

CalVet didn’t fit?
That may not be the end of your options.

Explore the differences between California’s CalVet program and federal VA-backed financing.

Explore CalVet alternatives
THE LEARNING CENTER

Clear answers.
Better conversations.

Explore all articles →
Homeownership and Real Estate

DSCR Loans: Complete Guide for Real Estate Investors

DSCR loans allow real estate investors to qualify using rental income instead of personal income. Learn requirements, rates, and benefits.

Explore →Home Equity and Debt Consolidation

HELOC vs HELOAN: Which Home Equity Option Is Best for You?

Compare HELOC vs HELOAN options, rates, payments, and benefits. Learn which home equity solution is best for your financial goals.

Explore →Mortgage Loan Programs

USDA Loans Explained: How to Buy a Home With Zero Down Payment

Learn how USDA loans work, who qualifies, income limits, property requirements, and how to buy a home with zero down payment.

Explore →
NO CREDIT PULL FROM THIS FORM

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Aaron Clowes, New Way Mortgage advisor
A REAL PERSON BEHIND THE PLAN

Aaron Clowes

Air Force veteran. More than two decades in mortgage lending. Clear explanations, practical comparisons and a conversation about what works for you.

NMLS #200900 · CA DRE #02103379
New Way Mortgage is powered by Xpert Home Lending, Inc. · NMLS #2179191 · Equal Housing Lender.

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What happens after you reach out?

  1. Aaron reviews your goals and the information you share.
  2. You confirm details and compare available paths, costs and tradeoffs.
  3. You decide whether to apply through the secure Xpert application.

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