Sacramento roots. A more personal way home.(916) 465-6639
YOU ARE MORE THAN A LOAN TYPE

Start with your situation.
We’ll help sort the options.

You don’t need to know a program name to ask a useful question. Choose the situation that sounds familiar, learn what matters and request a personal review.

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START WITH YOUR SITUATION

My income is more complicated than a paycheck.

Mortgage options for self-employed borrowers, business owners and people with variable income.

Explore this situation →START WITH YOUR SITUATION

I own—or want to own—more than one rental.

Compare investment-property mortgage approaches, including DSCR and documentation-based financing.

Explore this situation →START WITH YOUR SITUATION

I found the next home—but haven’t sold this one.

Explore buying before selling with a review of equity access, overlapping payments, reserves and timing.

Explore this situation →START WITH YOUR SITUATION

I need cash—but want to keep my first mortgage.

Compare a separate home equity loan or HELOC with cash-out refinancing while considering your current first mortgage.

Explore this situation →START WITH YOUR SITUATION

I was told no. Is there another path?

Request a second look at a mortgage setback without promises of approval or credit repair.

Explore this situation →VETERAN TO VETERAN

CalVet didn’t fit.

Understand how California’s CalVet program differs from federal VA-backed financing.

Explore CalVet alternatives →
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.

No approval, rate or response-time guarantee. 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.

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