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Emily Caryl Ingram - Leave the rat race, Join the human race.

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Future Customers

Are you considering owning a new home?  Trying to decide how to choose the best mortgage lender for your needs?  Did your real estate agent give you three names?  Then start here!

Market Recap 05/30/2025

Stock Market Candlestick Chart Forex Trading
Rates, Rents, and a Dash of Drama: Your Weekly Market Recap for the Week Ending 05/30/2025.
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VIDEO: Real Estate Regret

There's one thing I've NEVER heard in almost 25 years of mortgage lending.
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Homebuying Predictions for 2025

Are you wondering if now is the right time to buy or invest in real estate? I've analyzed the latest data to help you navigate a shifting market.
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Types of Mortgage Lenders

Choices on Highway Signs
Different categories of lenders have access to different products and programs and different levels of control over the home loan process.
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Secure the best interest rate

You have many lenders to choose from. How do you make sure you're getting the best interest rate possible on your home loan?
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Impound Accounts

Most mortgage loans come with an impound account for paying property taxes and homeowner's insurance. Impound accounts are pre-funded at closing. Then homeowners contribute 1/12 of annual amounts each month. Learn what to expect here.
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Do new rules punish good credit?

Piggy Bank Trapped in a Bird Cage
Do new rules imposed by Fannie Mae and Freddie Mac penalize borrowers with good credit and large down payments?
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Are Home Prices Declining?

Hand Drawn Charts and Graphs
Is runaway home appreciation a thing of the past? Are homes becoming more affordable? Are we headed for a crash? The answers to all your burning questions are here!
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Will you sell my mortgage loan?

When most people ask, "will you sell my loan?" they really mean, "will you sell the servicing of my loan?" Here what's you need to know about the difference.
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Bank Failures: Crisis or No Big Deal?

Piggy Bank on Fire
Bank failures have the potential to spell disaster. Just how worried should you be?
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  • Call or Text:  360-301-7575

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©2025 Emily Caryl Ingram

Equal Housing LenderAll products are not available in all states. All options are not available on all programs. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without notice. NMLS ID#6606. . © New American Funding. New American and New American Funding are registered trademarks of Broker Solutions Inc. dba New American Funding. All Rights Reserved. Corporate Office is located at 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800-450-2010 Ext. 7100 for assistance.