Financial Planning 2025 Guide

Turning Your Home into a Wealth-Building Asset

Mortgage & Financial Planning

WHY NAF?

Our Story

As one of the largest privately-owned direct mortgage lenders in the nation, New American Funding is dedicated to helping families and individuals improve their quality of life through homeownership. Headquartered in Orange County, California, we have quickly grown to become a leader in the home loan industry.

Our company’s story begins nearly 22 years ago when the husband-and-wife team of Rick and Patty Arvielo combined Rick’s technical expertise and Patty’s extensive mortgage industry knowledge to create a new kind of mortgage company. Leveraging the latest technology and streamlined operations, Rick and Patty developed a highly efficient lending process that allows us to offer industry-leading loan closing times, meaning our borrowers get into their new home or complete their mortgage refinance faster than ever.

Rick continued New American Funding’s forward momentum by capitalizing on his expansive marketing knowledge to spearhead the development of state-of-the-art marketing, including a full in-house production studio for cutting-edge videos and an in-house print facility for high-quality, customized printing. This state-of-the-art marketing support helps our Loan Officers stand out in the crowded marketplace.

In addition to embracing the latest technology, Rick and Patty also established a company commitment to inclusion and equity, helping New American Funding become a leader in lending to underserved communities. We accomplish this through our Included initiatives, which represents our commitment to creating, cultivating, and sustaining equity for all.

In 2013, we formed the Latino Focus initiative to address the challenges Hispanic consumers face in their pursuit of homeownership. Building on the success of Latino Focus, we created the New American Dream initiative in 2016 with a goal of raising awareness and increasing homeownership in Black communities.

These initiatives deliver results, as New American Funding is one of the top lenders to Hispanic and Black borrowers.

New American Funding also cares deeply about those who serve in our military and their families, which is why we launched our Military Heroes Focus initiative in 2022. Through this initiative, New American Funding works to increase homeownership and career opportunities for military servicemembers, veterans, and their families.

Our focus on diversity and inclusion isn’t just limited to our borrowers. Today, we’re proud to employ over 3,670 diverse team members, comprised of 54% women; 41% minorities, including 21% who are Hispanic; and 37% Millennials. To help ensure their professional growth, we have multiple mentorship programs that allow our team members to openly share their aspirations for potential advancement in the company and receive personalized guidance from executive leadership. Our unique culture emphasizes integrity, unity, innovation, pursuit of the impossible, execution, and people, leading to our company being recognized with numerous local and national top workplace awards.

By staying true to our guiding mission of providing a streamlined loan process with cutting-edge technology to create an exceptional experience, we’ve grown to 190 locations nationwide and maintain a servicing portfolio of over 251,975+ loans for $66.4 billion. In addition, we are a Fannie Mae, Freddie Mac, and Ginnie Mae direct mortgage lender, seller, and servicer that is licensed in 50 states across the nation

WHY NAF? NAF Highlights Servicing Portfolio

$71 Billion 272,600+ Loans NAF Services 90% of all Conventional, FHA, USDA, VA Loans Funded

Direct Servicer for Fannie, Freddie, FHA, VA, and USDA Licensed in All 50 States 2024 Fortune 100 Best Companies to Work For® No Cross Selling Your Clients

New American Funding Overall Rating 4.9/5 Stars based on 322,800+ Reviews

The Power of Partnership How Financial Planners Benefit from Working with Mortgage Lenders

A financial planner working with a mortgage lender can provide valuable benefits for both the planner and their clients. Here are some reasons why a financial planner might partner with a mortgage lender: 1. Comprehensive Financial Strategy

- Reasoning: Financial planners aim to create holistic financial plans for their clients, and

mortgages are often one of the largest financial commitments. By working with a mortgage

lender, planners can help clients make well-in formed decisions about how a mortgage fits into

their broader financial goals.

- Benefit: Clients receive integrated advice that aligns their mortgage strategy with their

long-term financial objectives (e.g., retirement planning, tax efficiency).

2. Access to Better Loan Products

- Reasoning: Mortgage lenders can offer a variety of loan options, rates, and terms. By having a

direct connection, financial planners can help clients access the best mortgage products that

fit their financial situation.

- Benefit: Clients may secure better rates, lower fees, or mortgage terms that work better for

their unique circumstances.

3. Customized Advice Based on Client’s Situation

- Reasoning: Every client has a unique financial profile. A mortgage lender can provide financial

planners with insight into clients’ mortgage eligibility, which allows the planner to offer more

personalized financial advice.

- Benefit: A more tailored and effective financial plan that accounts for a client’s real estate and

mortgage needs.

4. Refining Debt Management Strategy

- Reasoning: Mortgage loans are a key part of managing debt, and lenders can help clients

understand how mortgage debt fits into their overall debt strategy. Financial planners can

advise on debt reduction, refinancing, or paying down mortgage balances in the most efficient

way.

- Benefit: Clients are guided on how to effectively manage and reduce mortgage debt while

aligning with other financial priorities, such as saving for retirement.

5. Tax Efficiency and Deductions

- Reasoning: Mortgage interest is tax-deductible in some cases, which can play a significant

role in a client’s tax strategy. A mortgage lender can provide clarity on mortgage interest and

tax implications, helping the financial planner advise clients on tax-efficient strategies.

- Benefit: Clients can optimize their tax situation by utilizing the mortgage interest deduction or

other mortgage-related tax strategies.

The Power of Partnership How Financial Planners Benefit from Working with Mortgage Lenders

6. Education and Client Empowerment

- Reasoning: Mortgage lenders can educate clients about the pros and cons of different

mortgage options, interest rates, and loan terms. Financial planners can leverage this

knowledge to empower clients to make confident, informed decisions.

- Benefit: Clients feel more confident in their homeownership decisions and in their financial

planning overall.

7. Streamlining the Home Buying Process

- Reasoning: For clients looking to purchase a home, financial planners can work with a

mortgage lender to streamline the entire process. This ensures the client has the necessary

financial qualifications and is taking the right steps toward homeownership.

- Benefit: A smoother home-buying experience where all aspects, from financial planning to

mortgage approval, are coordinated.

8. Improved Client Retention and Trust

- Reasoning: By offering access to mortgage lenders and supporting clients through the

mortgage process, financial planners enhance the value they offer. This collaborative approach

can deepen client relationships and build trust.

- Benefit: Clients appreciate the additional support, leading to higher satisfaction and retention.

9. Keeping Clients on Track with Financial Goals

- Reasoning: Homeownership and mortgages often impact a client’s ability to save and invest.

A mortgage lender’s insight into refinancing options, rate adjustments, or payment changes

allows the financial planner to advise clients on staying on track with other financial goals,

such as saving for retirement or paying off other debts.

- Benefit: Clients can manage their mortgages more effectively without derailing other financial

objectives.

Working with a mortgage lender can create a seamless experience for clients and enhance the overall quality of financial advice they receive. This partnership is a win-win for both financial planners and their clients.

Ease Your Clients’ Cash Concerns In Retirement With a Reverse Mortgage Purchase Would your clients like to purchase a home closer to family, friends and vital services and not have to make another mortgage payment again?* If your clients are 62 or older, it’s possible with a Reverse Mortgage Purchase!

Your client must, however, show willingness and capacity to maintain the property and pay all property taxes, homeowner’s insurance, HOA dues, and other fees and charges, if applicable.

If your client is able to put away some money from the sale of their previous home, they’ll benefit from having a little more cash on hand – especially with no new monthly mortgage payments to make!

HOW IT WORKS Your client puts down a portion of the new home’s purchase price

Your client’s lender provides the balance*

*Based on their age, their home’s value and the current interest rate

Let's Connect!

Whitney Parker Sr. Loan Consultant NMLS# 2021601

C: (563) 599-8294

Your client doesn’t have to repay the lender’s balance until they leave the property

Trouble Getting Self-Employed Buyers Qualified For a Home Loan?

No Problem, We Can Help!

PROGRAM HIGHLIGHTS: Loan amounts up to $3.5 million Credit score as low as 620

Financing is usually one of the biggest hurdles for the self-employed, contractors, or business owners. We can help get your buyer qualified for a fixed or adjustable-rate mortgage using their

Debt-to-income ratio up to 55%

bank statements, 1099, or a CPA-prepared

Primary residence, second home, or investment property

profit and loss (P&L) statement as proof of

Purchase, refinance, or cash-out

your buyers from homeownership!

No mortgage insurance

Let's Connect!

Whitney Parker Sr. Loan Consultant NMLS# 2021601

C: (563) 599-8294

income. Don’t let non-traditional income keep

DOES YOUR CLIENT NEED TO BUY BEFORE THEY SELL? NAF Cash

Buying in cash means convenience, certainty and could mean a cost saving too. With NAF Cash, an affiliated company of New American Funding, you can make a competitive, true cash offer that is not contingent on financing and close in as little as seven days without having to sell your current home first.

Program Highlights: • • • •

Allows Buyer to Become a Cash Buyer Purchase Your Dream Home Before Selling Your Current Home Help Qualified Buyers Win in Multiple Offer Environment Conventional and VA Loan Programs Allowable

NAF Bridge Loan

Avoid missing out on the home you really want because your current home has not yet sold. This product bridges the gap by giving you funds to cover the new purchase while finalizing the sale of your current home.

Program Highlights: • • •

Use Equity From Your Existing Home Towards the Purchase of a New Home Ability to Present a Strong Non-Contingent Offer, Giving You a Competitive Edge in the Market No Monthly Payments During the Loan Term Reducing the Financial Stress of managing Two Mortgage Payments

NAF Recast

The NAF Recast allows you to buy your next home now and adjust your Mortgage balance later. With a recast, you can purchase without selling first, then apply proceeds from your sales to reduce your mortgage balance and monthly payment.

Program Highlights: • • •

Reduce Principal Balance and Re-Amortize Loan Monthly Payments Reduced Accordingly PMI Can Be Eliminated in Some Instances

LICENSED IN ALL 50 STATES

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Contact me Today!

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Visit my website!

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First.Last@NAFinc.com NAF.com/FirstLast This is not a loan commitment or guarantee of any kind. Terms and conditions apply. Subject to borrower and property qualifications. Not all applicants will qualify. Rates and terms are subject to change without notice. © New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org https://www.newamericanfunding.com/legal/statelicensing/. NAF Cash is fulfilled

by NAF Cash, LLC, an affiliated real estate company of New American Funding that is managed and operated in compliance with applicable legal and regulatory requirements. NAF Cash, LLC. MI Real Estate Broker #6502431375. NAF Cash, LLC does not originate loans or issue loan commitments. NAF Cash, LLC charges a Transaction Fee of 1.5%-3.5% of purchase price for its service (fee varies by state). Terms and conditions apply, not available in all states. Bridge Loan not Available in: DC, NY, MA, TX, Guam, Puerto Rico, or U.S. Virgin Islands. Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-In-Lending Act. This information is to inform the real estate industry only and is not marketing material to be provided to consumers. Borrower must occupy home as their principal residence. A new loan will require a new credit check, appraisal, title search, initial mortgage insurance premium, closing costs and fees. Consult your tax advisor. NMLS# 6606. New American Funding, LLC. Corporate office 14511 Myford Rd., Suite 100 Tustin, CA 92780. Phone (800) 450-2010. http://nmlsconsumeraccess.org [3/2025]