Your Purchase TEAM
Get a Smart Start
There is a lot to consider when buying a home, especially for the first time. Knowing how much you can afford makes searching for the right home faster and easier.
You’re working with a winning team.
We close loans quickly (even the really hard ones) and turn clients into raving fans in the process.
ORIGINATOR HIGHLIGHTS
Digital Mortgage Application
Fully Underwritten Pre-approvals
Industry Leading Closing Times (14 business day close guarantee)
Local Support
Why Us?
As a direct leader we have less overlays than big banks, allowing us to close quickly. Our in-house operations, product offering, knowledge and commitment to customer service make us the perfect place for you to get your home loan.
We’re Local
Unparalleled Local Presence
Relationships are our #1 priority
Our local teams are here to help 24/7
In-person events are our specialty
Licensed in 50 states
In-house Appraisal Panel
Industry Relations (MBA, NAHREP, VAREP)
New American Funding Initiatives (Latino Focus, NAF Black Impact, NAF Heroes)
Nationwide Branches
In-House Processing, Undewriting, & Funding
Direct Lender / Seller / Servicer
24-48 Hour Turn Times & Up-front Credit Approval
Homebuyer Educational Events
First-Time Homebuyer workshops
Community events
Homebuying process educational materials
Homebuying Process Flowchart
Top 10 Don’ts During The Home Buying Loan Process
Make sure nothing gets in the way of achieving your home financing goals. Some DON’Ts may seem obvious, but others not so much. Check out this list to make sure you avoid the Top 10 DON’Ts during the process of buying or refinancing.
Dont: Co-sign on any debt with relatives or friends.
Why? This impacts the home buyer's purchasing power and debt-to-income (DTI) ratio. Cosigners are responsible for the debt if the primary borower defaults and that debt is considered when determining how much home the buyer can afford.
Dont: Transfer money between accounts, unless receiving complete documentation from your bank itemizing all transfers.
Why? This is a risk management issue. Lenders typically find large, undocumented deposits made during the mortgage process suspicious.
Dont: Withdraw or deposit large sums into your checking or savings accounts unless absolutely necessary.
Why? Similarly to #2, lenders are obligated to scrutinize the source of funds and may find cash not present during the pre-approval process suspicious.
Dont: Make any career moves.
Why? Most lenders require two years with the existing employer to approve lending. If a borrower jumps from employer to employer, the lender may feel there is an increased risk of default and increase the interest rate or deny funding outright.
Dont: Allow your bank account balances to go into the negative, even if you have overdraft protection.
Dont: Apply for new credit in any form, or apply for credit to consolidate.
Why? Credit inquiries may hurt your score. 02 07 08 09 10 03 04 05 01 06
Why? Overdrawing basic bank accounts may raise concerns about the borrower's ability to make the mortgage and/or cover unforseen home expenses and home ownership expenses that may arise.
Why: Hard Credit Inquiries recently opened accounts can adversely affect your credit scores and impact your DTI, depending on your situation.
Dont: Have a friend or relative pay for anything related to the purchase of the home; including appraisal, earnest money, down payment, etc.
Why? Gifts are only allowed under certain guidelines.
Dont: Keep cash in a safe or overseas account if you plan to use these funds as a down payment.
Instead: Inquire about how and when would be the best time to put your funds into your U.S. bank account if needed.
Dont: Close credit card accounts.
Why? If you close a credit card account, it may appear that your debt ratio has gone up.
Dont: Give your personal information to anyone else who might run your credit report.
Meet Your Purchasing Team
Our dedicated and knowledgeable team is committed to delivering a standout experience that exceeds expectations. Unlike working with a single Loan Officer, our team-based approach enhances responsiveness and streamlines the entire loan process. Each member plays a specialized role, allowing us to operate efficiently and effectively.
Brenda Dintino
Branch Manager | NMLS # 239946
714-501-1997
brendathelenda@nafinc.com | naf.com/BrendaDintino
As Branch Manager, Brenda leads our team, ensuring we consistently deliver a “wow” experience and empower you to make the best financial decisions for your mortgage.
Favorite Sports Team: Philadelphia Eagles
Favorite Restaurant: Water Grill (Costa Mesa, CA)
John Howse
Business Developement Representative
714-323-3237
john.howse@nafinc.com
John helps foster new connections and provides essential executive support, contributing to our team’s seamless “well-oiled machine” approach to your loan process.
Favorite Sports Team: Kansas City Chiefs
Favorite Restaurant: THE RANCH (Anaheim, CA)
Deborah Richards
Loan Consultant | NMLS # 301986
949-500-6240
deborah.richards@nafinc.com | naf.com/DeborahRichards
Debbie works diligently to gather all necessary documentation and ensure a quality submission for your loan’s underwriting.
Favorite Sports Team: Dallas Cowboys
Favorite Restaurant: Starfish (Laguna Beach, CA)
Brittany Armstrong
Loan Consultant | NMLS # 2527075 | LMB # 100539469 760-213-3198
brittany.armstrong@nafinc.com | naf.com/BrittanyArmstrong
Brittany meticulously handles your disclosures and documentation, playing a key role in preparing your loan for approval.
Favorite Sports Team: San Diego Padres
Favorite Restaurant: Ding Tai Fung
Travis Bourassa
Sales Assistant | NMLS # 1852203
949-290-9081
travis.bourassa@nafinc.com | naf.com/TravisBourassa
Travis is a vital part of the team, providing support that enhances responsiveness and helps expedite your entire loan process.
Favorite Sports Team: Las Vegas Raiders
Favorite Restaurant: In-N-Out
Shannon Gutierrez
Loan Officer Assistant
949-791-3609 x 50250
shannon.gutierrez@Nafinc.com
Shannon plays a crucial role helping to streamline communication and ensure proactive updates, to help keep your loan process on track.
Favorite Sports Team: Denver Broncos
Favorite Restaurant: Cheesecake Factory