Kara Cuka - Loan Consultant

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Kara Cuka - Loan Consultant Kara Cuka - Loan Consultant NMLS #286490
Equal Housing Opportunity
New American Funding NMLS #6606

🏡 Thinking about waiting for mortgage rates to drop before buying a home? Here's why that strategy might not always work...
10/19/2026

🏡 Thinking about waiting for mortgage rates to drop before buying a home? Here's why that strategy might not always work in your favor!

When interest rates decrease, more buyers may enter the housing market, potentially creating more competition, multiple offers, and higher home prices. 📈

The right time to buy isn't just about the rate. It's about finding a home and monthly payment that fit your financial goals. 💰 Let's explore your options and see what makes sense for you!

📢 Seeing headlines about rising mortgage rates? Remember, the rate you see online isn’t necessarily the rate you’ll qual...
10/16/2026

📢 Seeing headlines about rising mortgage rates? Remember, the rate you see online isn’t necessarily the rate you’ll qualify for!

Your credit score, down payment, debt-to-income ratio, and loan program can all influence your mortgage rate. Plus, options like seller-paid closing costs or mortgage rate buydowns may help make homeownership more affordable. 🔑

At New American Funding, we’re here to help you understand your options and find a mortgage solution that fits your financial goals. 💙

Want to know what rate you could qualify for? Let’s talk about getting pre-approved!

CONGRATULATIONS Kelly and Brian! From our 1st consult at Rhino W**e Bar, to CLOSING DAY today, it’s been an absolute pl...
10/15/2026

CONGRATULATIONS Kelly and Brian! From our 1st consult at Rhino W**e Bar, to CLOSING DAY today, it’s been an absolute pleasure working with you both!! Cutest, sweetest, fun and funniest clients!!! Happy memory making in your beautiful new home!!! Cheers and Blessings!!! 🏡❤️

A lower payment at the start? 👀🏡 A temporary mortgage rate buydown can give buyers some breathing room during the first ...
10/14/2026

A lower payment at the start? 👀🏡

A temporary mortgage rate buydown can give buyers some breathing room during the first few years of homeownership. A seller or builder may contribute upfront to temporarily lower your interest rate, which can mean a smaller monthly payment at first. 💰

The rate then returns to the original rate, so understanding the full payment is important. Want to know if a buydown could work for your homebuying plan? Let’s talk! 🔑

🏡 Your home’s value could be working in your favor! If you’ve built enough equity, you may qualify to remove private mor...
10/12/2026

🏡 Your home’s value could be working in your favor! If you’ve built enough equity, you may qualify to remove private mortgage insurance (PMI) and reduce your monthly payment. 💰 Let’s see if you could save!

Renting and owning both come with a monthly housing payment but homeownership may give you the opportunity to build equi...
10/09/2026

Renting and owning both come with a monthly housing payment but homeownership may give you the opportunity to build equity over time. 🏡💰 Curious if buying could make sense for you? I’m here to help!

Prior Lake SC N1 U14 Boys Soccer - ⚽️ Proud of you Wilson and Keaton! Way to work!! Thanks Katie for capturing these g...
10/08/2026

Prior Lake SC N1 U14 Boys Soccer - ⚽️ Proud of you Wilson and Keaton! Way to work!! Thanks Katie for capturing these great pics!! 💙💛

Waiting for mortgage rates to drop? 📉 A lower rate doesn’t always mean a lower payment if home prices rise in the meanti...
10/07/2026

Waiting for mortgage rates to drop? 📉 A lower rate doesn’t always mean a lower payment if home prices rise in the meantime. I’m here to help you compare the numbers and see what makes sense for you. 🏡

Thank you, Stephanie!
10/06/2026

Thank you, Stephanie!

10/05/2026

What if you could move first and sell later?

Selling your current home doesn’t always have to happen before you purchase your next one. With NAF Bridge, eligible homeowners may be able to use available home equity to help fund their next purchase while delaying the monthly payment until the current home sells, subject to program guidelines. 🔑

Thinking about making a move? Let’s explore whether this strategy could fit your plans.

Address

Edina, MN
55435

Telephone

(612) 670-9367

Website

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