NOT A ROBOT.
No grind culture. No shady tactics to make goals. Just authenticity and deals done right — because you’re not a machine.
At NAF Consumer Direct, success shouldn’t cost you your weekends, your health, or your soul. Build wealth. Keep your weekends. Crush your goals. Keep your sanity. All the glory. No calendar carnage. Burnout? We don’t do that here.
A SMARTER WAY TO BUILD A CAREER IN LENDING.
Warm Leads — Delivered
Forget cold calls. NAF Leads provides live, warm transfers connecting you with borrowers ready to move. Our team handles delivery, coaching, and conversion strategy.
AI & Tech Built for Speed
NAF AI, Bonzo CD, NAF Link, and Encompass — seamlessly connected so you close more with less friction. One ecosystem. Zero wasted motion.
Dedicated CD Operations
A specialized ops team supports every file. You focus on the conversation — processors, underwriters, and support handle the pipeline. Files move fast.
01 We Are Stronger United
One team, one mission CD succeeds when every closer, ops team, and support role pulls in the same direction.
02 Lead with Integrity
Every borrower interaction reflects who we are. We do right by customers even when no one is watching.
THE PRINCIPLES THAT POWER US.
We don’t just talk about culture. We engineer it. Six principles that make NAF Consumer Direct different and keep it that way.
03 Innovation Fuels Evolution
We invest in AI and technology so our closers always compete with the best tools in the industry.
04 Pursue the Impossible
We don’t accept the ceiling the industry sets. We break it for our closers, borrowers, and communities.
05 Execution Drives Success
Ideas matter, but results matter more. We build a culture where closers have everything they need to win.
06 People Come First
Team members, borrowers, and communities are our foundation. A great workplace isn’t a perk it’s our standard.
WHY TOP CLOSERS CHOOSE NAF CD.
300K+
Award-Winning Servicing
Nearly 300,000 customers supported daily — a better experience for borrowers long after close.
Customers Serviced Daily 8× Great Place to Work Certified 40+ Loan Products Available 53% Women Employees
Top Producer Recognition
Annual trip to a luxurious resort elite recognition for the closers who crush it every year.
40+ HFA Partnerships for DPA
More products. More eligible borrowers. More deals closed. Your pipeline, expanded.
TEXT — DAY 1 (NEW: 2 - WAY SMS)
'Hi [First Name] — this is [Agent] from New American Funding. I saw you were checking rates online. I have a couple options that might be a great fit. Got 2 min to chat today?'
BONZO, INDUSTRYLEADING CRM.
Automated outreach that converts leads while you’re on the phone. Campaigns, video messages, voicemail drops, and new two-way texting built exclusively for Consumer Direct closers.
EMAIL — DAY 3 FOLLOW - UP
Subject: 'Your rate options ready when you are'
'Hey [First Name], I put together a few scenarios based on what you shared. No pressure just want to make sure you have everything to make the right call for your family…'
VOICEMAIL DROP — DAY 5
'Hey [First Name], this is [Agent] with New American Funding — just wanted to circle back. I’ll shoot you a text too. Talk soon!'
A SOLUTION FOR EVERY HUMAN.
40+ product options means more eligible borrowers, more phone conversions, and more closed commissions.
Down Payment Assistance
In-house DPA + 40+ HFA partnerships — up to 100% financing. Convert first-time buyers on the phone.
NAF Cash & Bridge
Turn buyers into cash competitors — win bidding wars without contingencies. Close more borrowers.
40+ Products
$10M Jumbo Max
Buydown Mortgages
Reduce first, second, third-year rates overcome rate objections on the phone and close the deal.
Self-Employed & ITIN
Bank statement, asset depletion, ITIN — expand your eligible borrower pool beyond W-2 limits.
HELOCs & HELOANs
Help existing homeowners tap their equity — a fast-growing inbound CD segment with strong phone conversion rates.
MORE SOLUTIONS. MORE CONVERSIONS.
Pre-qualified buyers and sellers — clients may save thousands on closing costs. Turn leads into closed deals.
Turn any buyer into a cash buyer — remove contingencies, win more deals, scale your pipeline.
White-glove utility connection service at close — saves borrowers time, money, and headaches.
DPA, up to 100% financing, no MI — perfect for first-time homebuyer phone conversions in CD.
Near-eligible clients improve credit then transfer back to NAF and back to you. No lead left behind.
TURN EVERY LEAD INTO A CASH BUYER.
cash power. No financing contingencies. No appraisal contingencies.
Win more bidding wars. Scale your pipeline from leads to closed commissions.
All-Cash Power
Win more bidding wars
No Contingencies
Close with confidence
Buy Before You Sell
Move clients forward faster
Scale Pipeline
More leads → more closes
ALL THE GLORY. NONE
OF THE BURNOUT.
Performance-Based Compensation
Your income reflects your output. The more you close, the more you earn. No ceiling on your ambition.
Repeat Business Built In
NAF’s servicing team keeps borrowers loyal generating repeat business for years after the first close.
President’s Council — Annual Top Producer Trip
Elite performance deserves elite recognition. NAF’s top closers earn a spot on the President’s Council and an exclusive trip to a luxurious resort every year. 8×
GREAT PLACE TO WORK
Consecutive certifications. Culture is engineered, not accidental.
INDUSTRY-LEADING DIVERSITY
Diversity is performance at NAF CD.
Co-Founders at the Helm
Rick and Patty Arvielo founded NAF in 2003 and remain Co-CEOs today — a rare constant in an industry defined by turnover. The people who built this company are still steering it.
BUILT TO LAST.
CD Leadership with Deep Roots
The Consumer Direct leadership team brings decades of combined mortgage industry experience. Key leaders have been with NAF for 5, 8, even 10+ years — they’ve navigated cycles and built through them.
Stability in a Volatile Industry
Having leaders who’ve navigated rate cycles, market shifts, and industry disruption gives CD closers a real competitive advantage: steady direction when others pivot.
Culture of Retention
8 consecutive Great Place to Work certifications don’t happen when leadership churns. The people at the top set the tone and NAF’s tone has been consistent for over two decades.
