Tonya Sample Mortgage Specialist NMLS 398603

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United States
Maple Grove, MN
Tonya Sample Mortgage Specialist NMLS 398603

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Hi, I’m Tonya! Your mortgage planner, educator and biggest hype girl. I love helping people build wealth through homeownership. Mortgage second. Relax. I got you.

With over 17 years of experience in mortgage lending, I believe the right mortgage starts with the right strategy. As an Executive Mortgage Planner, I specialize in helping clients navigate their financing options with confidence, clarity, and a personalized approach that goes beyond interest rates and monthly payments. Whether you're buying your first home, building your dream home, purchasing an investment property, refinancing, or planning your next chapter, my goal is to help you make informed financial decisions that align with both your immediate needs and long-term goals. Backed by a knowledgeable team and strong industry relationships, I take pride in simplifying the mortgage process, finding creative solutions, and building lasting relationships with the clients and families I serve. My philosophy is simple: Strategy first.

11/02/2026

A mortgage may be part of the paperwork, but the people behind it are what make the journey special. ❤️

Every homebuyer has a unique story, every family has different goals, and every partnership is built on trust.

We're thankful for the clients who invite us into their plans, the Realtor partners who work alongside us, and the relationships that continue long after closing day. 🏡

Because homeownership is about more than a transaction. It's about people, possibilities, and the next chapter.

10/31/2026

You're under contract and everything seems to be going smoothly…

Then you change jobs without talking to your lender first. 😱

Employment and income are important parts of the mortgage process, so major financial or employment changes are worth discussing with your lender before you make them.

When you're buying a home, communication can help prevent unexpected plot twists. 🏡

10/29/2026

🖤 OLD MONEY. NEW RULES. | EPISODE 01

You built the business.
You make the money.
But your tax returns don’t always tell the whole story. 👀

Here’s what many business owners don’t realize... Not every mortgage requires traditional income documentation. Some programs allow qualified self-employed borrowers to use bank statements to document income instead of tax returns.

Because being your own boss shouldn’t automatically put homeownership out of reach.

Different income. Different strategy.

10/29/2026

To all my clients, thank you for trusting me with your journey. This , I’m grateful for each and every one of you. If you're thinking about making a move, let’s connect and make a plan together. 🏠✨

10/28/2026

The scariest mortgage move? 👻🎃 Waiting without knowing what it could cost you.
Thinking about buying a home but hoping mortgage rates will drop first? You’re not alone! 🏡

Here’s the plot twist: Mortgage rates are only ONE part of the homebuying equation. While you wait for a lower rate, home prices may change, competition could increase, and you could be missing an opportunity to start building home equity.

💀 Before you let the waiting game haunt your homeownership dreams, consider this:
🏡 Home prices: Will waiting actually save you money on the home you want?
💰 Monthly payments: What could your payment look like if you bought now versus later?
📈 Home equity: Could buying sooner give you more time to build ownership in your home?
👻 Buyer competition: What happens if more buyers jump back into the market when rates improve?
🔄 Future refinancing: If rates drop later, refinancing may be an option, depending on your financial situation and future market conditions. Just remember, refinancing isn’t guaranteed.

There’s no one-size-fits-all answer. Sometimes waiting makes sense. Sometimes buying now could be worth exploring. The key is making a decision based on your budget, your goals, and the numbers, not scary headlines.

🎃 Want to stop guessing and start planning? DM me and let’s compare your options so you can make a confident, informed decision. No crystal ball required! 🔮🏡

10/26/2026

The scary thought: “I need 20% down to buy a home.”

The reality: Your down payment options can depend on the loan program and your individual situation. Some eligible buyers may also qualify for down-payment assistance programs.

So before you decide homeownership is out of reach, find out what options may actually be available to you. 🏡

Don’t let the 20% down myth haunt your homebuying plans. 👻

10/23/2026

No tricks, just treats when it comes to home financing! Buying a home shouldn't leave you spooked. I'm here to make the mortgage process a little less scary and a whole lot clearer. 🏡✨👻

Have mortgage questions? Don't ghost me! 💬

10/23/2026

5.0 star review received on Experience.com for Tonya Sample - New American Funding by Diana P - I've had the pleasure of working with Tonya Sample on several transactions, and she's always wonderful to work with! She's incredibly knowledgeable and does an excellent job of keeping everyone, especially our clients, informed throughout the lending process. I really appreciate her communication, friendly personality, and the genuine enthusiasm she brings to her work. It's clear that Tonya loves what she does, and I look forward to the opportunity to work with her again!

Read more: https://experience.com/reviews/tonya-sample/42001aa5-c3c3-42a3-aa4d-fe4bc9d9c2a7?V=1792760647&utm_source=facebook&utm_medium=autopost&utm_content=13771657

10/22/2026

Big shoutout to all my clients this ! Your trust means the world to me, and I’m so grateful to help you secure your dream home. Thinking about taking the next step? I’m here to help! ✨🏠

10/19/2026

👻 HOUSE-HUNTING HORROR STORY: The $500K House That Wasn’t $500K

The listing said $500K.
The buyer thought, “That’s my budget!” 🏡

Then came the property taxes, homeowners insurance, HOA fees and other costs. 😱

The scary part? Your home’s purchase price isn’t the same as your total monthly payment.

Before you fall in love with a home, make sure you understand what your estimated monthly payment could look like so you can shop with confidence.

Don’t let the numbers give you a Halloween surprise. 🎃

Address

Maple Grove, MN

Telephone

+17632132195

Website

http://www.TonyaSample.com/, http://www.tonyasample.com/

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