Mortgage Cowgirl

09/01/2026

Big changes are coming to the mortgage industry that will impact sellers.

09/01/2026

5.0 star review received on Experience.com for Ela Short by Lloyd E S - Very helpful

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05/23/2026

5.0 star review received on Experience.com for Ela Short by Debbie B - Ela is personable, a delight to work with, knowledgable, accountable, quick to respond and overall a great Loan Consultant.

Click to see all 195 reviews of New American Funding - Ela Short, Loan Consultant | NMLS # 498579

05/18/2026

interesting stats:

Independent mortgage banks posted a pretax net production profit of $727 per loan in Q1 2026, up from $674 in Q4 2025.
The problem: per-loan production costs jumped to $11,898, up from $11,102 the prior quarter. For context, the long-run average since 2008 is $7,903 per loan — meaning today's cost structure is running roughly 50% above historical norms.

05/04/2026

5.0 star review received on Experience.com for Ela Short by David S T - Ela Short secured a mortgage for me when no one else could.

Click to see all 194 reviews of New American Funding - Ela Short, Loan Consultant | NMLS # 498579