FunkyTown Team

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I help families make confident real estate decisions that improve their day-to-day life. Nathan McDaniel NMLS # 272715

New American Funding NMLS # 6606

With over 20 years of experience and up-to-date market insight, my role is to ensure your mortgage supports your goals, your budget, and your future.

11/03/2026

Most investors I talk to don't have a deal problem. They have a paperwork problem. Their tax returns look thin because they're good at write-offs.

That's the whole point of a DSCR loan. The property's rent does the heavy lifting.

Agents: if you've got a client who keeps hearing no because of their tax returns, send them my way.

DM me DSCR with the property address.

Nathan McDaniel | NMLS #272715 | Funkytown Team at Aspire Mortgage Advisors | Equal Housing Opportunity

10/29/2026

Fixed or adjustable? The better question is how long you're staying.

A fixed rate keeps the same rate for the life of the loan. Simple and predictable.

An adjustable rate holds steady for an initial period, then moves with the market. That can make sense if you plan to sell or refinance before it adjusts.

Neither one wins every time. The right loan is the one that matches your plans.

Not sure which fits? DM me and let's talk it through.

Nathan McDaniel | NMLS #272715
Funkytown Team at Aspire Mortgage Advisors
817-791-3311
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval and underwriting guidelines.

10/28/2026

The biggest mistake people are making...

Thinking everything changes overnight.

It doesn't.

Many parts of this law are studies, pilot programs, or still require funding.

I'll continue following every update and explain what actually affects buyers, sellers, homeowners, and investors as the changes roll out.

Be sure to follow so you don't miss the next update.

👇 What housing topic should I cover next?

10/27/2026

Be honest. Which one are you?

Comment your candy below. Comment CANDY if you want the checklist that gets you ready to buy in Fort Worth.

Happy Halloween.

Nathan McDaniel | NMLS #272715 | Funkytown Team at Aspire Mortgage Advisors | Equal Housing Opportunity

10/22/2026

Lenders don't just look at what you make. They look at what you owe against it.

That's your debt-to-income ratio, or DTI. Many lenders like to see 36% or lower, though some programs allow more with the right compensating factors.

Good news: DTI moves. Pay down a balance, add income, or bring on a co-borrower and the picture can change fast.

Want to know where yours stands? Reach out and we'll run it.

Nathan McDaniel | NMLS #272715
Funkytown Team at Aspire Mortgage Advisors
817-791-3311
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval and underwriting guidelines.

10/21/2026

If you're a buyer, seller, homeowner, or investor...

Here's what I think actually matters.

Forget the political headlines.

These are the real opportunities I believe people should be paying attention to over the next several years.

👇 Which change do you think will have the biggest impact?

10/20/2026

Nothing surprises you after two decades. It just becomes a Tuesday.

Agents, tag the lender who stays calm when your deal gets weird.

Nathan McDaniel | NMLS #272715 | Funkytown Team | Equal Housing Opportunity

10/15/2026

Your credit score isn't just a number. It's a pricing tool.

Lenders group scores into tiers, and each tier comes with its own pricing and terms. You don't need a perfect score to buy a home, and a small bump can move you into a better tier faster than you'd think.

Not sure which tier you're in or what it means for your loan? Send me a DM and we'll look together.

Nathan McDaniel | NMLS #272715
Funkytown Team at Aspire Mortgage Advisors
817-791-3311
Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval and underwriting guidelines.

10/14/2026

The final two titles aren't really about buying homes...

But they still matter.

One limits a Central Bank Digital Currency through 2030.

The other reminds everyone that many housing programs still require future funding before they actually happen.

Always read beyond the headlines.

👇 Did you know that?

10/13/2026

This is the "what just happened to my payment" season in Texas. Nine times out of ten it's taxes or insurance, not your loan.

Swipe through, then DM me ESCROW with your letter if it's confusing.

Nathan McDaniel | NMLS #272715 | Funkytown Team at Aspire Mortgage Advisors | Equal Housing Opportunity

Address

Fort Worth, TX
76102

Telephone

+18177913311

Website

http://www.funkytownteam.com/, http://www.funkytownlender.com/, https://funkytownlender.com/homebuyer-class.html, https:

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