Sacramento roots. A more personal way home.
Mortgage guidance

Mortgage News

Skip Two Mortgage Payments When You Refinance? Here’s the Truth https://youtu.be/iBEjIPP84-M If you’ve been told you can skip two mortgage payments when you.

Skip Two Mortgage Payments? Here’s the Truth

Skip Two Mortgage Payments When You Refinance? Here’s the Truth https://youtu.be/iBEjIPP84-M If you’ve been told you can skip two mortgage payments when you refinance, it probably sounded like a great deal. Extra cash in your pocket. A little breathing room…

Read more

Why Mortgages Get Denied After Pre Approval (5 Deal Killers)

Think You’re Approved? Here’s Why Mortgages Get Denied After Pre Approval https://youtu.be/BW8mQ_UKTto Most buyers don’t realize how often or why mortgages get denied after pre approval. It happens more than you think—and usually right before closing. I’ve seen buyers lose…

Read more

When Will Rates Drop? (The Truth)

https://youtu.be/rcQU_NnPMY8 “When will rates drop?” It’s the most common question buyers are asking right now—and for good reason. Rates directly impact your monthly payment, and everyone wants to secure the best deal possible. But here’s the problem… Focusing only on…

Read more

First-time home buyer financing in Sacramento

First-Time Home Buyer Financing in Sacramento: Your Complete Guide Welcome to First-Time Home Buyer Financing in Sacramento! 🎉 Are you looking for first-time home buyer financing in Sacramento? If so, you’re in the right place! Buying your first home is…

Read more

The VA IRRRL

The VA IRRRL: A Simple Way for Veterans to Save on Their Mortgage As a veteran and mortgage broker, I’ve not only helped countless veterans take advantage of the VA IRRRL (Interest Rate Reduction Refinance Loan)—I’ve used it myself. When…

Read more

Lower Rates this year with Trump’s Energy Emergency Declaration?

Lower Rates this year with Trump's Energy Emergency Declaration? Could We See Lower Rates This Year? Let’s talk about the possibility of lower rates this year and why Trump’s energy emergency declaration might be a game-changer. The announcement is meant…

Read more

2025 Rate Forecast – What You Need to Know

2025 Mortgage Rate Forecast – What You Need to Know As we step into 2025, the buzz around mortgage rates is louder than ever. Whether you're planning to buy your first home or refinance your current one, understanding the 2025…

Read more

When Will Mortgage Rates Go Down?

When Will Mortgage Rates Go Down? Everything You Need to Know About Future Mortgage Trends Introduction If you’re in the market to buy a home or considering refinancing your mortgage, you’ve probably asked yourself, when will mortgage rates go down?…

Read more

Cash-Out Refinance: Unlocking Your Home’s Equity

Cash-Out Refinance: Unlocking Your Home's Equity Ever wondered how to tap into your home's value without selling it? Enter the world of cash-out refinancing—a financial tool that lets you access your home's equity for various needs. Let's dive into what…

Read more

Unlock Up to 89.99% of Your Equity Without Adding MI

Unlock Up to 89.99% of Your Equity Without Adding MI Have you ever thought about tapping into your home’s equity but worried about mortgage insurance (MI) dragging down your monthly savings? We’ve got a game-changer for you: cash out 90%,…

Read more
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.