Loan Programs Booklet

Loan Programs

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PURCHASE LENDER Loan Program Information Conventional:

• Down Payment as Low as 3% • Fixed or Adjustable Rates • Down Payment Assistance Programs Available • Non-Occupying Co-Borrowers Allowed

FHA:

• Down Payment as Low as 3.5% • Lower Credit Score Flexibility • Higher Allowable Debt to Income Ratios • 100% Financing with DPA

VA:

• 100% Financing • No Monthly Mortgage Insurance Premiums • Flexible Underwriting Guidelines

USDA:

• 100% Financing • Lower Credit Score Flexibility • Gifts for Closing Costs Allowed

Jumbo:

• Borrow up to $3 Million • Credit Score as Low as 700 • Eligible for Primary Residence, Second Home or Investment Property • Warrantable and Non-Warrantable Condos Permitted

Renovation:

• FHA and Conventional Programs • Purchase or Refinance • Principal Residence, Second Home or Investment Property • Ability to Finance Repairs and Home Improvements

Specialty Program Information NAF Cash®:

∙ Allows Buyer to Become a Cash Buyer ∙ Buyer Can Purchase New Home Without Selling Current Home ∙ Conventional and VA Loans Allowable

Medical Professionals Program: • 100% Financing - $0 Down Payment • No Mortgage Insurance Required • Loan Amounts to $2 Million

Bridge Loan:

• Allows Borrower to Access Home Equity • Purchase New Home Before Selling Current Home • No Payment Until Current Home Sells

Bank Statement Program:

∙ Self Employed Borrowers can use Business Bank Statements to Qualify ∙ Purchase New Home Without Selling Current Home – Exclude Payment in Debt to Income Ratio ∙ Purchase, Refinance or Cash-Out ∙ Primary, Second Home or Investment Property Eligible

DSCR (Debt Service Coverage Ratio) Loan: • Qualify Using Rental Income • First Time Investors Eligible • Fixed Rate, Adjustable Rate & Interest Only Options

HELOC – Home Equity Line of Credit: • Large Loan Amounts – Up to $750,000 • Combined Loan-to-Value as high as 95% • Flexible Credit Score Requirements

One-Time-Close Construction Loan: • One Loan – One Closing – One Appraisal • New Construction or Tear Down • FHA, VA, USDA & Conventional

Down Payment Assistance:

• Additional Funds for Down Payment and Closing Costs • Chenoa • NAF Pathway Programs

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First.Last@NAFinc.com NAF.com/FirstLast

Equal Housing Opportunity. 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. All mortgage loan products are subject to credit and property approval. © 2026 New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org. Corporate office 14511 Myford Rd., Ste 100, Tustin, CA 92780. www.newamericanfunding.com. Phone: (800) 450-2010. 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. Using your home equity to pay off debts or make other purchases does not eliminate the debt or the cost of the purchases, but rather increases the loan amount of your mortgage to be paid according to your new mortgage terms. By refinancing your existing loan, your total finance charges may be higher over the life of the loan. Not available in: DC, NY, MA, TX, Guam, Puerto Rico, or U.S. Virgin Islands. Borrower is obtaining a bridge loan secured by their current primary residence to use the cash out proceeds towards the purchase of their new primary residence while they await the sale of their current primary residence. This loan product contains a balloon payment and requires no monthly payments during the 12-month term. The entire amount of outstanding principal and accrued interest is due at maturity or the sale of the property, if sooner than maturity. Payments do not include amounts for taxes and insurance premiums. Your actual payment obligation will be higher. 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. 41050 W 11 Mile Rd, Ste 220, Novi, MI, 48375. Phone 844-344-0531. NMLS #6606. 02/2026