Tracy Miklas - Loan Consultant

Tracy Miklas - Loan Consultant

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Stopped by from ActiveRain. Be on the lookout for a mention later this week in my AR Facebook Fridays article.

Tracy Miklas, NMLS #197881
Equal Housing Opportunity
New American Funding NMLS #6606
The views expressed on this site are those of the individual author and do not necessarily represent
those of Broker Solutions, Inc.

dba New American Funding (NMLS#6606). We have built a strong reputation as an outstanding mortgage lending firm, serving the lending needs of real estate professionals, builders and individual homebuyers. We're a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have a full range of m

Operating as usual

Timeline photos 08/10/2022

We’re here for all your BIG BUCK needs! Whether it's your first home, or one of many, getting a home loan to purchase a home is one of the most significant financial decisions you’ll make in your life. Many people decide to buy because of the benefits associated with homeownership!

Timeline photos 08/09/2022

I love you back, Melissa!!!!

Timeline photos 08/08/2022

We buy your dream home in cash and sell it back to you. Get your offer accepted and save today! ✅

Timeline photos 08/05/2022

It's National Black Business Month! Support can come from making a purchase, referring to others, engaging on social media with tags, shares, follows, and comments, and subscribing to the creator’s email or text lists. It is important to be intentional about providing support beyond the holidays and throughout the year!

New ★★★★★ 5 Star Experience.com Review by Melissa F 08/05/2022

New ★★★★★ 5 Star Experience.com Review by Melissa F

5.0 star review received on Experience.com for Tracy Miklas by Melissa F - I love Tracy. He is the best mortgage guy on the planet! I refer everyone to him! He is attentive & caring when it comes to helping his clients.

New ★★★★★ 5 Star Experience.com Review by Melissa F Click to see all 90 reviews of Tracy Miklas,
Loan Officer | NMLS # 197881

Timeline photos 08/01/2022

HOUSE A OR HOUSE B? 🤔 Which would you pick?!

Timeline photos 07/29/2022

A good loan officer will get you to the closing table in a timely manner. They will communicate with you throughout the process. They will make sure your rate lock is protected or extended if need be. So, be picky! 👍

New ★★★★★ 5 Star Experience.com Review by Jose G 07/27/2022

New ★★★★★ 5 Star Experience.com Review by Jose G

5.0 star review received on Experience.com for Tracy Miklas by Jose G - Greatly supported person I've met straight shooter and very understanding

New ★★★★★ 5 Star Experience.com Review by Jose G Click to see all 89 reviews of Tracy Miklas,
Loan Officer | NMLS # 197881

Timeline photos 07/27/2022

It appears the mortgage rates have started to level off and we’ve seen mortgage and treasury rates get some relief after hitting recent highs.

If the Fed can contain inflation and not cause a recession, then rates might hold here or move slightly up. If they, however, hit the brakes too hard and recessionary fears plague the market, then we could see rate come down somewhat.

And one final thought: we shouldn’t be too fearful about the direction of mortgage rates. In my opinion there is no normal level of interest rates and it’s important to remember that interest rates have been on a 40-year trend of going down. Economic growth in a highly advanced economy needs lower rates for sustained growth, especially with a legislature so divided.

(Source: www.NewAmericanFunding.com)

Timeline photos 07/26/2022

A major perk of using a home equity loan for debt consolidation is the simplicity it adds to your debt repayment strategy. Instead of trying to track multiple payments with a home equity loan, you can roll all your debts into a single payment. This makes it easier to manage your monthly obligations!

Timeline photos 07/23/2022

Let’s make an offer! House shopping without a preapproval is the quickest way to lose out on a bidding war. Preapprovals say that the lender has physically verified what was verbally discussed. It shows that you've done the work and are serious about your offer!

Timeline photos 07/21/2022

When you pay rent, that money is spent. Gone. But when you pay your mortgage, you work toward full ownership. And once it’s paid off, it’s yours! You have the satisfaction of knowing you made the American Dream your reality!

Timeline photos 07/18/2022

Once you know your score, you can assess your options for a loan and, when you’re ready, apply for a mortgage with New American Funding!

Timeline photos 07/15/2022

Use our online application which allows you to apply anywhere at any time so you can spend more time doing the things you love!

Timeline photos 07/13/2022

By becoming a cash buyer with Buyer Accepted, you may be able to buy your home for less and close faster than traditional buyers, potentially saving you money and getting you into your new home faster.

07/11/2022

LMU

Check out the most recent Minnesota housing market update!

Timeline photos 07/07/2022

What is a good debt-to-income ratio? A good debt-to-income ratio of 35% is generally considered manageable. When it comes to debt-to-income ratio, lower is better because it shows you have a higher income versus your debts.

Timeline photos 07/01/2022

Find the house you love & date the rate means you can always shop later for a lower rate!

Timeline photos 06/29/2022

USDA recently announced an increase to their household income limits! Feel free to reach out to learn more!

Timeline photos 06/27/2022

Homeownership helps families build financial freedom, find greater happiness and satisfaction, and make a positive impact on our local communities! New American Funding is dedicated to helping ALL potential homebuyers access these benefits.

Timeline photos 06/24/2022

Summer 2022 is here! What are your summer plans & goals?!

Timeline photos 06/22/2022

You can lower your debt-to-income ratio by reducing your monthly recurring debt or increasing your gross monthly income! If you’re looking to learn more, feel free to reach out!

Timeline photos 06/21/2022

Communication is always key with me!!

Timeline photos 06/20/2022

NEW announcement for VA Loans! Feel free to reach out & learn more!

Timeline photos 06/18/2022

Whether you’re shopping around for a mortgage or want to build an amortization table for your current loan, a mortgage breakdown can offer insights into your monthly payments.

Timeline photos 06/16/2022

Juneteenth is an opportunity to both look back but to look ahead to make sure that notion of freedom and the fragility of it is always protected and celebrated.

New ★★★★★ 5 Star Experience.com Review by Steven M 06/15/2022

New ★★★★★ 5 Star Experience.com Review by Steven M

5.0 star review received on Experience.com for Tracy Miklas by Steven M - Tracy was always communicating with us making sure we knew the next steps and what he would be doing in order for to make the process as easy as possible

New ★★★★★ 5 Star Experience.com Review by Steven M Click to see all 88 reviews of Tracy Miklas,
Loan Officer | NMLS # 197881

06/14/2022

LMU

Are you looking for a quick rundown on what is going on with the current housing market? Check out the MN market update below!

Timeline photos 06/11/2022

It’s National Homeownership Month! To many, the very nature of owning a home offers people a sense of pride and security. It also represents a testament to one’s hard work and sacrifices!

Timeline photos 06/09/2022

Compete with cash & win! Even when you haven’t sold your house yet!

Timeline photos 06/07/2022

Thank you for your kind recommendation!

Timeline photos 06/07/2022

There are many mortgage options to choose from that you may qualify for. Understanding what each program offers can be overwhelming which is why we are here to help!

New ★★★★★ 5 Star Experience.com Review by Kari L 06/05/2022

New ★★★★★ 5 Star Experience.com Review by Kari L

5.0 star review received on Experience.com for Tracy Miklas by Kari L - Tracy made everything run smoothly. I would highly recommend him to everyone.

New ★★★★★ 5 Star Experience.com Review by Kari L Click to see all 87 reviews of Tracy Miklas,
Loan Officer | NMLS # 197881

Timeline photos 06/02/2022

Real estate is a popular asset choice amid inflation because it becomes a more useful and popular store of value.

Timeline photos 05/30/2022

Today, we proudly pay homage to those who have given given up their lives to protect our freedom.

Timeline photos 05/27/2022

In a hot real estate market, money talks, but not everyone can make a cash offer on a house. With our Buyer Accepted Program you get ALL the benefits of being a cash buyer!

Timeline photos 05/25/2022

COMING SOON! New updates regarding medical collections!

Timeline photos 05/23/2022

Buying a home is a life-changing decision. I can help you not only separate mortgage facts from fiction, I can also develop the right plan to save for a home and find the right mortgage for you!

Timeline photos 05/20/2022

Whether you’re looking to buy a new home or sell your current one, identifying some of the major factors that cause home prices to fluctuate is essential!

Timeline photos 05/18/2022

In a situation where several offers are on the table, having a local, trusted lender could be the difference between landing the house or not!

Timeline photos 05/16/2022

Behind every great day is a cup of coffee!

Timeline photos 05/13/2022

If you are trying to buy a home, especially in a competitive real estate market, there is a chance you will run into competing offers. Here are 4 things you can do to make sure your offer WINS!

Timeline photos 05/11/2022

Your mortgage pre-approval opens a world of possibilities! When you choose New American Funding, you can rest assured knowing we will do everything in our power to make the process as seamless and enjoyable as possible for you.

Timeline photos 05/09/2022

Whether you're looking to unwind after a long day or taking time to unwind - owning your own home & creating a space to relax can be incredibly healthy and restorative!

Timeline photos 05/07/2022

Hit a hole in one by getting New American Approved for your next home purchase!

Timeline photos 05/05/2022

In a hot market like we have today, our Buyer Accepted Program will get you ahead of the competition! Feel free to send me a DM to learn more about this amazing program!

05/05/2022

LMU

Are you looking for a quick update on the Minnesota housing market? From 'days on market' to 'inventory' - I got you! Check it out below!

Timeline photos 05/03/2022

An appraisal waiver can save buyers both the cost of paying for an appraisal and the time involved in scheduling an in-person assessment! Here is a quick explanation to what an appraisal waiver is!

Timeline photos 04/29/2022

To assist veterans and active servicemembers in obtaining the American dream of homeownership, we offer a special type of home loan product exclusively to veterans and active servicemembers: the VA home loan.

Our Story

Since 1997— after graduating from Saint Cloud State University for Business Management—it has been my privilege to help people achieve their dreams of homeownership. I truly value each client that walks into my office. No matter the circumstance, I put my best foot forward; there is no challenge I am afraid of or will avoid as long as it means I can help others. With that, my clients are treated with respect, honesty, loyalty, and will be well-informed throughout the entire transaction.

The dedication and hard work I devote to each client results in long lasting relationships and an overall positive experience. That’s why past clients, Real Estate Agents and other financial professionals continue to refer me to friends, family, clients and co-workers. By trusting me with your home financing, I can assure you I will do my best to bring ease to the process from loan application through closing. If you have any questions, please don’t hesitate to call or email me. I look forward to meeting you!

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10160 Foley Blvd NW, Suite 200
C**n Rapids, MN
55448
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