Naoma Doriguzzi - New Media Director

On last nights episode of Desperate Housewives they did a little portion of how Tom couldn't get a marketing job because he didn't know of twitter and how to use in a marketing plan.  Too funny! 

Is Twitter a part of your marketing plan??

Make sure you follow me on twitter! 

Naoma Doriguzzi

For all of your Virginia Beach Mortgage Information!

This year for Mothers Day is an extra special one for me.  I have celebrated Mothers Day with my son Hunter since 2005 and this year I get to celebrate with the newest addition to our family - Ethan Doriguzzi born July 3, 2008.

When I was pregnant with Ethan I feared that I might not be able to love another baby as much as I loved Hunter.  He was my #1 man for the past 3 years and how could I really love 2 boys the same?

I was scared...but I can tell you now that was the silliest thing when thinking back on it.  Ethan has brought so much to our family and has equally stolen my heart along with Hunter!!

I can honestly tell you that being a Mother is more challenging but at the same time the most rewarding thing I have accomplished in my life so far.  I never knew the LOVE that I feel and how it overcomes my heart when I look at my boys every day. 

I know, I know it is so cliche but so true...I appreciate my Mother more now and can really understand the challenges and love that comes from being a mom.  I took for granted what she had to offer growing up and never knew how important of a part of my life she was until now. 

I feel such an unconditional love for my children that is almost indescribeable.  Being a new mom I did lose alot of my independence with the responsibilities of having a family but that I have gained a much bigger purpose in my life and would NEVER trade what I have now. 

The best part of my day is sneaking in first thing to my childrens beds and watching them sleep so peacefully.  I admire them so much and they have already taught me on being a better person, mother and wife.  I look forward to the upcoming days to come and being able to experience life with them. 

I also wanted to wish my mother Lorraine Cornish a Happy Mothers Day! Just so you know she has successfully raised 7 kids who are all grown up  and have 7 grandkids ( all boys) with another one on the way. 

HAPPY MOTHERS DAY TO ALL THE MOTHERS OUT THERE! 

**Hopefully tomorrow for Mothers Day I can get the opportunity to sleep in! :) 

There really aren't any more stated loans available these days but that doesn't mean it is impossible to find a home if you are self employed. You will just need to prepare yourself for the process and the paperwork.

If you are self-employed and relocating it may be difficult to obtain a loan. The reason for this is because if you are self-employed in one city and have an established client base then it will be very difficult to prove that you will have the same income and business when moving to a new city.

Income that doesn't effect relocating to a new area is

• Social Security/disability
• Retirement
• Alimony
• Child Support
• Rental Income

I don't want to discourage anyone that is self employed but rather educate you on the process to be better prepared for what is expected.

How the process works :

1. Fill out complete application with your favorite mortgage professional
2. Gather income documents for past 2 years ( that means all business and personal tax returns)
3. Asset information ( bank statements, retirement accounts, etc)

At New American Mortgage we specialize in self employed borrowers and their tax returns. Contact us to review them and we can go over how your income is calculated for purposes of qualifying for a home loan.

Questions? Click Here to Contact Us!

Don't forget about that $8000 Tax Gift to you if you qualify as a First Time Homebuyer!

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About the Author : Naoma Doriguzzi is a Senior Mortgage Consultant with New American Mortgage and has been originating mortgages since 2003. New American Mortgage is a direct lender who specializes in FHA, VA, VHDA, Conventional loans. We are here to assist you with the purchase of a new home or refinance your existing home in Virginia, NC, SC, FL or GA!

Disclaimer: All information provided by this author is strictly an opinion, is not guaranteed, may be based on information collected from several sources, which may or may not be deemed reliable at the time of researching this article and may be time sensitive.

To contact Naoma directly you may call or text (757) 971-2876 or email at naoma.doriguzzi@newamerican.com.

USING A REVERSE MORTGAGE TO PURCHASE A HOME

• New Program Available
• Criteria : Homeowner must be 62 years or older and plan to live in the home as their primary residence
• No credit or income verification
• NO mortgage payments EVER!
• Program is age-sensitive. The older a borrower is, the less equity required.

An Example of how it works

Sales Price: $400,000

At age 65, borrower makes an equity down payment of $163,000(40%)

At age 75, borrower makes and equity down payment of $130,000 (32%)

The remainder of the loan is financed through a reverse mortgage. *Above figures are based on today's interest rates and include all closing costs.

Advantages to Homeowner : They never have to worry about making a mortgage payment, being delinquent, or losing their home. Safe, government-backed program.

Advantages to Seller : No credit or income requirements to qualify, fast closings, additional "arsenal" when appealing to this segment of the marketplace. Plus, helps stabilize the neighborhoods you are building...no foreclosures to affect future sales.

BABY BOOMER FACT : 10,000 Americans per day turn 62 and can qualify for a reverse mortgage

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About the Author : Naoma Doriguzzi is a Senior Mortgage Consultant with New American Mortgage and has been originating mortgages since 2003. New American Mortgage is a direct lender who specializes in FHA, VA, VHDA, Conventional loans. We are here to assist you with the purchase of a new home or refinance your existing home in Virginia, NC, SC, FL or GA!

Disclaimer: All information provided by this author is strictly an opinion, is not guaranteed, may be based on information collected from several sources, which may or may not be deemed reliable at the time of researching this article and may be time sensitive.

To contact Naoma directly you may call or text (757) 971-2876 or email at naoma.doriguzzi@newamerican.com.

Who said mortgage is a bad business to be in is wrong! I have been busier than ever with referrals, leads to my website, and social networking that I barely have time to blog anymore. But you can't keep me away from blogging for long.

In order for me to grow my mortgage business and still offer the same quality of customer service I had to add to my team. I would like to introduce Paul Murdock - the newest addition to the New American Mortgage Team.

I feel honored to be working with Paul and think that we are going to make it a great year for mortgages.

He brings alot to the table with his IT programming and web design background. Paul has already updated and customized the ACT database to make sure that we never lose track of a customer or referral source!

Not only is he organized but he has quite a sense of humor and a great customer service attitude! He is here at 8 am and works until the work gets done.

The clients and realtors are loving the team work that we are able to offer! So if you are a real estate agent looking to work with someone who will assist in growing your business or a consumer looking to find the best mortgage solution for you we are here for you!

On his off time he is very active in his church - Wave Church - playing the drums while his beautiful wife Bethany is the worship pastor! Paul and his wife have been residing in Virginia Beach, VA since 2001 and have made this their home.

So friend him at

Follow him on

Connect With him

You can even find him here on Active Rain

Email: paul.murdock@newamerican.com

Call or text : (757) 971-2244

Fax : (757) 320-1252

So if you are purchasing or refinancing in Virginia and are looking for a good mortgage team to work with we would be happy to assist and consult with you on all of your mortgage options!