New Mortgage AI
Find Your Perfect Mortgage Solution
Expert guidance for Texas and California homebuyers seeking competitive rates and personalized service
Our Promise
Why Choose New Mortgage AI
We act as your advocate, connecting you with the best lenders who fund and service your loan. While you can approach lenders directly, our service finds you the financially best loan from multiple sources. We compare rates, terms, and programs across the market to ensure you get the optimal mortgage solution.
Proudly serving homebuyers throughout the great states of Texas and California with personalized mortgage solutions tailored to your unique financial situation.
Our Three-Pillar Approach
Find the Right Mortgage
We compare multiple lenders to secure the financially best loan for your situation, saving you time and money.
Competitive Rates
Access a wide range of loan products and programs that individual lenders can't offer on their own.
Full Process Support
From application through closing, we coordinate with lenders and overcome obstacles on your behalf.
Competitive Rates on All Loan Programs
Whether you're a first-time buyer or a repeat buyer, we explain all your loan options and programs that could be financially beneficial. Most lenders will discuss their own programs, but they can only talk about what they offer.
We provide access to the full range of loan products available in the market, ensuring you understand every option and choose the mortgage that best fits your financial goals and circumstances.
First-Time Buyers
Special programs and guidance for those purchasing their first home
Repeat Buyers
Streamlined options for experienced homeowners
Our Guarantee
Let's Make a Deal!
If you think another lender has a more competitive price, fill out a Rate Quote form and send us their loan estimate on the same day. If we can't beat it by at least $200, we'll give you $200 in cash.
Complete Support Throughout Your Journey
Once you've decided what loan you want, we become your dedicated advocate throughout the entire mortgage process. We communicate directly with the lender and manage the application process from start to finish.
01
Application Submission
We handle all paperwork and lender communications
02
Underwriting Phase
We work with lenders to overcome any obstacles that arise
03
Closing Coordination
We coordinate all details to ensure a smooth closing
Understanding the Mortgage Process
This section will give you a good idea of the mortgage process and the time frame involved. The knowledge will help you feel more comfortable as you go through the steps and it will also help you spot any red flags along the way if they should appear.
Understanding each phase of the mortgage journey empowers you to make informed decisions and maintain realistic expectations throughout the process.
Essential Resources for Homebuyers
Home Buyer's Toolkit
Buying a home is exciting and, let's face it, complicated. This booklet is a toolkit that can help you make better choices along your path to owning a home. Download and read at your leisure.
Pre-Approval Application
Getting pre-approved shows sellers you're a serious, credible buyer. Submit your pre-approval letter with your offer—it may be the key to closing on your new home. Takes just minutes to complete.
Getting the Best Mortgage Rate
Getting a great rate on a mortgage is about much more than simply comparison shopping or your credit score. The mortgage industry examines numerous factors to determine not only if you qualify, but also what interest rate you'll pay.
There's a lot at stake. Mortgage rates can vary by several percentage points depending on various factors. The difference can mean a much higher or lower monthly payment and tens of thousands of dollars in interest payments over the life of the loan.
We are here to help you get the right mortgage, with the absolute best rate possible. That's what we do!
Award-Winning Service
James Wu - Top Broker
Recognized for excellence in mortgage origination with consistent top performance year after year. Our commitment to exceptional service and competitive rates has earned industry recognition and client trust.
Award-Winning Service
Winnie Wu - Top Originator
Recognized for excellence in mortgage origination with consistent top performance year after year. Our commitment to exceptional service and competitive rates has earned industry recognition and client trust.
Comprehensive Loan Programs
We offer a complete range of mortgage solutions tailored to your unique needs and financial situation.
Fixed Rate
Interest rate that won't change for the life of your loan. Conventional mortgages often feature lower rates than jumbo, FHA, or VA loans.
Adjustable-Rate
30-year loan with initial fixed-rate period (3-10 years). Rate may change annually after fixed portion expires.
FHA Loans
Government-backed loans with flexible lending requirements, ideal for buyers who need more accessible qualification criteria.
VA Loans
Mortgages backed by the Department of Veterans Affairs for eligible service members and veterans with little or no down payment.
Construction Loans
Build your dream home to exact specifications. One of the most exciting and rewarding projects you'll ever undertake.
Investment Properties
Loans for second homes and investment properties, including one- to four-unit residential and vacation properties.
Jumbo Loans
Mortgages exceeding $726,200 for single-family homes. Specialized financing for high-value properties.
Refinancing
Whatever your goal for refinancing, our specialists can help you find ways to lower your monthly payment expense.
Ready to Get Started?
New Mortgage Ai – Where mortgages are only the beginning. Let us help you find the perfect mortgage solution for your home financing needs.
MLO License Info
AAXY LLC dba New Mortgage Ai
NMLS# 275971
NMLS# 275971
Yinan Nancy Sun
NMLS# 322282
NMLS# 322282