Tonya Sample Mortgage Specialist NMLS 398603

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. 🎃

10/18/2026

🎃 ‘Mortgage Tonya’ has officially entered her Halloween era. 💅👻 Gotta love some funny AI!!!

Five costumes. One mortgage lender. An unhealthy relationship with calculators, coffee, and getting people APPROVED. 😂

The only thing I’m haunting this Halloween is the underwriting conditions list. 💀

Which costume should I wear to the closing table?! 🤣👇

10/17/2026

10/16/2026

🎃 Are mortgage rates haunting your homebuying dreams? Let's talk about it. 👻🏡

Seeing mortgage rates above 7% can feel discouraging, especially if you've been saving for a down payment, working on your credit, or waiting for the right time to buy.

But here's the thing: your mortgage rate is only one piece of the homebuying puzzle.

Your monthly payment, purchase price, loan program, down payment, and long-term goals all play a role in determining what makes sense for you.

And if you're already a homeowner, there's another piece worth exploring: home equity. 💰

As you pay down your mortgage and your home's value changes, you may build equity that could help you:

🏡 Prepare for your next home purchase
🔨 Finance eligible home improvements
💰 Explore options for major expenses
🔑 Plan your next chapter with more financial flexibility

Of course, accessing equity involves costs and risks, and refinancing isn't always the best choice. That's why looking at your complete financial picture matters.

👻 Don't let scary headlines make the decision for you. Whether you're buying your first home or figuring out what comes next, understanding your options is a powerful first step.

💬 DM me to discuss your mortgage options and build a strategy around your goals.

Save this post for the next time mortgage rate headlines try to spook you! 🎃

10/15/2026

When fewer buyers are competing, you may have more room to negotiate.

✔️ Negotiate the purchase price
✔️ Ask for seller concessions
✔️ Use seller funds toward a rate buydown
✔️ Structure the deal around YOUR numbers

10/15/2026

Today and every day, I’m thankful for the clients who allow me to serve them. This , thank you for your trust and for letting me be part of your journey to homeownership. Ready to begin yours? Reach out anytime. 💛🏡