Sacramento roots. A more personal way home.
THE NEW WAY LEARNING CENTER

A question today.
A clearer next move.

Start with what you want to do—not a mortgage term you’re supposed to know.

13 articles · Original publication dates preserved. Clear filters

VA Loans

CalVet Income Limits: VA Loan Alternatives for California Veterans

Learn how CalVet funding rules can affect income eligibility and how VA and other mortgage alternatives may help California veterans.

Originally published 2026-10-22

Read article →
VA Loans

The CalVet 25-Year Rule: VA Loan Options After the Window

Understand the CalVet 25-year timing rule and explore federal VA and other mortgage options for California veterans.

Originally published 2026-10-22

Read article →
VA Loans

CalVet vs. VA Home Loans: What California Veterans Should Compare

Compare CalVet and federal VA home loans, including eligibility, funding, ownership structure, costs, and alternatives.

Originally published 2026-10-22

Read article →
Homeownership and Real Estate

Best Loan Programs for Folsom CA

Discover the best loan programs for Folsom, CA! Find the perfect mortgage, compare FHA, VA, USDA, and jumbo loans. 🚀

Originally published 2025-03-07

Read article →
California Housing and Mortgage Programs

First-time home buyer financing in Sacramento

Need first-time home buyer financing in Sacramento? Learn about FHA, VA, USDA, and CalHFA loans, plus down payment assistance options!

Originally published 2025-02-24

Read article →
California Housing and Mortgage Programs

CALHFA Homebuyer Guide

Explore CalHFA financing, including Dream For All, FHA, VA, and down payment assistance for first-time homebuyers.

Originally published 2025-02-12

Read article →
Homeownership and Real Estate

The VA IRRRL

The VA IRRRL, or VA Streamline Refinance, helps veterans lower their mortgage rate with minimal paperwork, no appraisal, and reduced costs.

Originally published 2025-02-07

Read article →
Mortgage Loan Programs

VA Loan Qualification: A Complete Guide

Learn everything about VA loan qualification, benefits, and how to apply. Get step-by-step guidance to secure your VA loan.

Originally published 2025-02-01

Read article →
Mortgage Loan Programs

Restore Your Entitlement: A Comprehensive Guide to VA Loans

Restoring your VA entitlement can be confusing. We take the guesswork out of restoring your entitlement so you can use your VA loan.

Originally published 2023-07-31

Read article →
Mortgage Loan Programs

VA Home Loans: VA Loan Eligibility, Benefits, Investing, and More

Military service is full of hardships but also has some pretty great benefits. Here’s what you need to know about VA home loans.

Originally published 2022-11-01

Read article →
Refinancing

What To Know About Refinancing a California VA Loan

There are several reasons why you might want to refinance. Let’s go over your options and how you can use them for a California VA refinance.

Originally published 2021-08-18

Read article →
California Housing and Mortgage Programs

There Are So Many Reasons You Should Get a California VA Loan

If you happen to be a member of the military community because chances are, you’re eligible for a VA loan.

Originally published 2021-06-11

Read article →

Educational archive—not current offers. Rates, program rules and limits in older articles may have changed.

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.

Read client reviews on Google ↗

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.

An inquiry does not authorize a credit pull.

YOUR NEXT MOVE

Let’s make the numbers personal.

A calculator is a starting point. A conversation puts your options in context.