BEGIN YOUR HOMEBUYING JOURNEY HERE

Buying a home is a major financial decision! That's why we've built our business very differently from most other mortgage providers.

Our unique Financial House Plans process combines a detailed mortgage preapproval evaluation with a comprehensive financial analysis. This combination of services provides our clients with complete confidence while they are home hunting. More importantly, they have total financial peace of mind after settlement!

We'll help you at every step along the way to closing, as well as providing financial guidance that can help you save money.

Our mission is to help develop financially independent clients through home ownership and practical financial planning. Start your journey today!

START A MORTGAGE PREAPPROVAL ANALYSIS START A FINANCIAL IMPROVEMENT REVIEW

THE COMPANY + THE DIFFERENCE

New Way Home delivers the mortgage. Financial House Plans strengthens the experience.

Financial House Plans is our signature mortgage plus planning program—one important part of the broader New Way Home Mortgages Plus experience.

Take Your Pick: standard mortgage preapproval compared with Mortgage Preapproval PLUS

A family celebrating their home closing, including a pregnant mother and young child

FROM PREAPPROVAL TO PEACE OF MIND

OUR UNIQUE FINANCIAL HOUSE PLANS PROGRAM

A home is more than a mortgage. Our process helps coordinate the numbers around the home—and the financial life inside it.

WATCH OUR FINANCIAL HOUSE VIDEO → Financial House Plans mortgage blueprint showing credit score, savings, budget and financial improvements

Start with the right numbers

Mortgage Preapproval Analysis PLUS

Know your buying power

The first step in the home buying process is to find out what your max budget will be for home price. Don't fall in love with a home first and then find out that you can't buy it! Our mortgage payment analysis and mortgage preapproval will let you know your specific buying power. We start by asking what you want. What payment could you feel comfortable with when you sleep at night? From there we can determine your price range. Your preapproval is totally unique to you - your credit scores, your down payment and your debt-to-income. When you start shopping with your Realtor, we want you to fall in love with the home that fits you and have peace of mind that you can afford it.

START THE MORTGAGE PREAPPROVAL PROCESS HERE →

Find the hidden money

Unlike most other lenders, we will also provide extra effort to give our clients financial peace of mind about their new home and new mortgage payment. At the same time that we do your home payment analysis and mortgage preapproval, we will also work with you to find what we call "hidden money." This additional step makes our process VERY unique. Our goal is to help you find any areas where you may be unknowingly over spending. The most common culprits are insurances or taxes. ALL of your finances need to work together! There is no additional cost for this comprehensive customized plan.

COMPLETE THE FINANCIAL ANALYSIS INFORMATION FORM →

Improve debt-to-income

What if you don't get preapproved for the mortgage loan amount that you need to buy the kind of home that need or want? The reason you can't be preapproved for a higher loan amount is that your current monthly debt obligations take up to much of your monthly income - making your debt-to-income (DTI) ratio is too high. When this happens, we will provide a specific written debt-to-income improvement plan showing you the most efficient way to eliminate monthly debt payments to lower your DTI. This is NOT a credit repair program, but it will also help improve credit scores. There is no additional cost for this customized plan.

Build loan readiness

What if your credit score is too low right now to qualify for a mortgage? We can help you with an improvement plan. Our personalized approach will guide you through actionable steps, such as understanding your credit report, making timely payments, and managing your credit utilization. We're committed to helping you achieve your homeownership goal, even if it takes a little time and effort to get there.

Secure the right home coverage

Prior to settlement, we will help you secure a home insurance policy. The most important thing is that you get the correct coverage for your new property. We'll make this step very easy with a company that can shop 55 national and regional carriers. They will also see if they can save you money before settlement by bundling your home and auto coverage. It doesn't happen every time, but we have had many clients lower their auto prices just before settlement.

Protect the mortgage

After settlement, we will help you make sure that your family has a mortgage pay off program in case an income provider dies, leaving the family to pay the mortgage and other obligations on one income (or even worse no income for a stay at home parent). If you need two incomes to qualify for your mortgage, then you absolutely need protection if one cannot continue. We can provide a "Return of Premium" policy that can match your loan amount and mortgage term length, but return all premiums paid at the end of the term period.

Protect family income

Somewhat similar to mortgage payoff insurance, we could instead help you provide coverage that would allow your income to continue if you would die prematurely. Auto insurance replaces vehicles. Home insurance replaces homes. Life insurance does not replace life. But it can replace the loss of an income for a family.

Prepare essential documents

Acquiring a home is a significant life event and a major asset, making a will an essential document for new homebuyers. A will allows you to clearly designate who will inherit your property, ensuring your home goes to your chosen loved ones and not to default beneficiaries determined by state law. It also enables you to appoint an executor to manage your estate, streamlining the process for your family during a difficult time. Without a will, your home could be tied up in a lengthy and costly probate process, potentially leading to family disputes and outcomes you wouldn't have desired. Some of our mortgage payoff and income replacement policies provide a free will, living will and power of attorney.

Pay off the mortgage faster

After settlement, we will provide a written plan designed to pay off your mortgage faster and reduce the actual amount of interest paid using the same monthly amount budgeted for all debt payments. This strategy can help you save thousands of dollars over the life of your mortgage and cut years from your debt freedom date. It's not magic - it's just math. Having a specific debt elimination plan can help you save or invest more money for your future. When you eliminate debt faster, you can save more sooner. There is no additional cost for this customized plan.

Build equity faster

After settlement, we will also provide a written plan designed to grow your equity faster using the same monthly amount budgeted for all debt payments. This strategy can help you buy a move up home, buy an investment property or even retire earlier. There is no additional cost for this customised plan.

MORE CHOICE. MORE WAYS HOME.

We can shop 300+ lenders for you.

✓Conventional (1–4 units)

✓FHA (scores down to 500 FICO)

✓VA (no down payment)

✓USDA (no down payment)

✓Adjustable rate (ARM)

✓Jumbo & high balance

✓First-time buyers

✓Reverse to purchase

✓1-time close construction

✓203K renovation

✓Self-employed

✓Bank statement loan

✓Profit & loss loan

✓No income verification

✓Doctor/physician loans

✓Foreign national & ITIN

✓Land/lot loan

✓Hobby farm

✓Farm/ranch

✓Modular/log/SIP

✓Manufactured

✓Mobile home (on blocks)

✓1–4 unit/multi-family (DSCR)

✓Investment properties (DSCR)

✓Mixed use

✓Non-warrantable condo

✓Condotel

✓HELOC

✓HELOAN

✓Bridge loan

✓Divorce buyouts/refi

✓Unsecured

CLEAR ANSWERS

FREQUENTLY ASKED QUESTIONS

I do like what I see and I'm interested to learn if the Financial House Plans review can improve my current finances before buying a home. Before I decide to move forward, can I contact you to ask a few questions?

Of course! The most important thing is for you to feel 100% clear and absolutely comfortable. The easiest option for most people will be to text at 223-403-0192.

You can also email at louxteam@financialhouseplans.com.

A family celebrating the purchase of their new home beside a sold sign

What documents are needed to complete our Financial House Plans review?

Two recent pay statements
2024 & 2025 W2's
2024 & 2025 tax returns
Auto and renters insurance declaration pages
Personal life insurance policies
Recent credit card statements
Current auto loan statements
Current 401k, 403b or IRA statements
Current investment account statements
Current bank checking and savings statements

HOW WE GET IT ALL DONE

OUR TRUSTED PARTNERS

NEXA Lending

Dean Loux

Residential & Commercial

Lending Expert223-403-0192

ROK Financial

Dean Loux

Small & Medium Business

Lending Expert223-403-0192

Experior Financial Group

Paula Loux

Income & Mortgage Protection

Insurance Expert717-271-1163

LegalWills

Paula Loux

Will, Living Will, POA

Protection Expert717-271-1163

RG Tax Services

Rebecca Gantz

Personal & Business Taxes

Tax & Bookkeeping Expert717-431-3096

Sassa and Concannon Insurance

Pat Concannon

Home & Auto

Insurance Expert484-889-2546

KEVO Benefits

Steve Burris

Health Sharing & Insurance

Health Coverage Expert405-414-5979

UQUAL

Vincent Baccarella

Loan Readiness

FICO/Credit Score Expert720-649-8350

A financial professional discussing a business opportunity

GROW WITH US

JOIN OUR TEAM

Use your relationships, communication skills and professional experience to help people connect with valuable financial resources. New Way Home and Financial House Plans are part of Imagine Financial. Visit our parent site, www.financialhouseplans.com, to learn more about all the different financial services that Imagine Financial can provide.

Financial Resources Connector

Drive brand awareness for New Way Home and Financial House Plans, locally and nationally. Use your in-person and social media communication skills to establish relationships, targeting partnerships with Realtors, home builders, CPAs, tax professionals, insurance agents, investment advisors and retirement specialists. Help to create new business opportunities and boost sales pipelines through consistent marketing and influence outreach. Work remotely with schedule flexibility and results based compensation. Part-time or full-time. No licenses required.

Strategic Partnership Program

Realtors, home builders, CPAs, tax professionals, insurance agents and retirement specialists can leverage existing trusted client relationships to create immediate new revenue growth. Instead of referring valuable clients elsewhere, you can maximize your income by seamlessly integrating our complementary products and services into your current offerings. This not only allows you to capture additional revenue opportunities directly, but also strengthens client loyalty and positions you as a comprehensive resource, naturally leading to an increase in high-quality client referrals. No additional licensing required.

A PRACTICAL FIRST STEP

Start with one home-financing question.

Tell Paula or Dean what you are trying to accomplish or what is causing concern. We’ll help you identify the right starting point and the next practical step.

EMAIL THE LOUX TEAM

Paula Loux717-271-1163

Dean Loux223-403-0192

Emaillouxteam@financialhouseplans.com