The NAF Difference
NAF is the largest privately-owned, woman-owned mortgage company in the country.
NAF is an industry leader in culture, dedication to service, and lending to diverse communities.
NAF originates billions in loans each year and services approximately 90% of loans in house, which allows the company to diversify its revenue streams, build customer loyalty, and successfully navigate any market conditions.
NAF has an extensive suite of loan programs as diverse as its clients and offers competitive rates with industry-leading turn times.
Built for Now & for the future.
Under the leadership of Rick and Patty Arvielo, NAF remains privately-owned, unlike big banks and other large mortgage companies. This allows NAF to be nimble and move quickly in adjusting strategy to counter market conditions, without needing to consult shareholders or investors.
This advantage has enabled NAF to become one of the nation’s top lenders with an expanding national presence. The company is focused on aggressive growth and recruiting many of the nation’s top loan officers to join our team, building the foundation for NAF’s continued success.
NAF provides its customers, loan officers, and partners with an experience that is built on decades of mortgage expertise, all while maintaining the community feel that separates NAF from all other lenders.
What NAF Values
Lead with Integrity
As a leader in the mortgage industry, we have always led with integrity.
Stronger United
A champion of a positive and inclusive culture that fosters open, honest, and meaningful relationships.
Innovation Fuels Evolution
Innovation is at the forefront of everything NAF does, leadership encourages calculated risks, new ideas, and strives to exceed expectations.
Pursue the Impossible
NAF thinks beyond “what is” and envisions “what can be” before competitors.
Execution Drives Success
Purpose drives courage to reach beyond, overcome obstacles, find solutions, and deliver exceptional service.
People Come First
NAF’s core values affect positive, groundbreaking change and deliver excellence to the customers, colleagues, and communities they serve.
Our Mission
New American Funding enables clients of all backgrounds to accomplish the American dream of homeownership by offering a diverse product suite, competitive pricing, and our promise to provide a timely and efficient closing.
Our dedication to client service during the transaction extends after the closing while we service their mortgage.
This passion for client service is displayed in every step of the homeownership experience with focus on fulfilling our client’s needs in a manner that enhances their standard of living.
How We Operate
NAF operates two primary business segments for mortgage origination:
Retail
A nationwide network for retail branches staffed with knowledgeable mortgage professionals who develop mutually beneficial relationships with real estate agents, homebuilders, and more. Each of New American Funding’s retail loan officers assists borrowers in finding the right loan product for their needs. These loan officers provide guidance, answer questions, and help borrowers navigate the mortgage process.
Consumer Direct
Robust lead generation sources that funnel mortgageready prospects to our experienced call center agents.
The Consumer Direct division provides convenience and accessibility for borrowers who prefer a digital experience with a user-friendly platform, while simultaneously providing personalized service through a team of loan officers and customer care specialists.
Unique Benefits of Working with NAF
As a privately owned company, NAF offers traditional loans, but is also able to offer unique programs that are specially designed for today’s homebuyers and homeowners, including:
PATHWAY TO HOMEOWNERSHIP
Provides first-time buyers in select areas up to $6,000 in assistance*
BUYDOWN MORTGAGE
Can reduce buyers’ first-year, second-year, and third-year payment rate
I CAN MORTGAGE
Customizable payment terms to meet buyers’ needs
ADJUSTABLE-RATE MORTGAGE
Upfront savings with a lower introductory interest rate
HOME IMPROVEMENT
Cash-out refinance, HELOC, FHA 203(k) loans
ONE-TIME CLOSE LOAN
For new construction, a single loan covers property, construction, and mortgage
NAF Affiliates
NAF Cash, an affiliated company of New American Funding, helps turn traditional homebuyers into cash buyers.
Becoming a cash buyer is especially advantageous in a market where sellers entertain multiple offers. Buying in cash helps their offer stand out above the rest and helps them get the home they want.
Buying in cash means convenience, certainty, and may mean cost savings too. In fact, buying in cash may help your clients save up to 11% over those using a traditional mortgage.*
NAF Affiliates
NAF Homes, an affiliated company of New American Funding, introduces pre-approved homebuyers who are ready to buy and don’t have a real estate agent to a growing network of real estate partners.
NAF Homes enables loan officers to build strong connections with real estate agents through the unique value proposition of providing those agents with motivated preapproved clients who are looking to buy a home now.
NAF Partners
NAF Concierge
NAF Concierge offers whole home services to assist customers with a seamless experience for connecting many of the key services and products that are critical to buying —and owning — a home during their loan journey.
NAF Insurance
NAF Insurance streamlines the home insurance shopping process, allowing customers to compare quotes from 40+ top-rated insurance providers in a matter of seconds. Whole Home Services
The Tools & Tech Our Team Needs
NAF encourages a culture of innovation and continuous improvement. Proprietary technology — developed in-house — creates a smooth mortgage process for homebuyers, real estate agents, loan officers, & operations staff.
NAF Technology India enables seamless digital home loan experience for our valued buyers and borrowers. Our team creates technology products and intelligent servicing platform revolutionize the end-to-end mortgage processing journey, from digital application submission to the final payment settlement.
MOBILE CRM
Manage your pipeline of loans, prospects, and partners.
Features:
Real-time and on-demand loan status updates, customizeable alerts
Control & Visibility Every Step of the Way for Our Agent Partners
NAF values our real estate agent partners. That’s why we built NAF Connect, which provides agents with clear visibility into the status of a client’s loan throughout the entire process. This helps ensure happy clients for our loan officers and their real estate agent partners.
Agents can make referrals to loan officers who understand their clients’ needs.
Download and edit pre-approval letters on the go
See when a loan will fund
NAF Leads supplements our loan officers’ current business and connects them with live purchase buyers in the early stage of buying a home. Through this program, NAF enables our LOs to utilize a flexible system to establish the specific geographic area they would like to target and receive live prospects from only those areas.
NAF Makes it Easy to Succeed
NAF supports our loan officers with a comprehensive marketing system that enables them to focus on growing their business.
That includes their own templated website, a marketing portal with an extensive library of materials to personalize and cobrand with real estate agent partners, on-demand customized videos, and much more.
Stay Top of Mind
Keep your buyers in the loop with loan status updates and drip email campaigns that can be co-branded with partner real estate agents.
NAF keeps its loan officers at the forefront before, during, and after the deal closes. LOs and their partners appear on mortgage statements for the life of the loan.
Co-branded post-close email campaigns
Co-branded mortgage statements
Co-branded marketing
Co-branded closing cards
We Are A Leader in the Industry and Customers Notice
8x Winner
Patty Arvielo
Co-Founder, CEO
A first-generation Hispanic American, Patty Arvielo has spent more than 40 years in the mortgage business. During that time, she has served in nearly every role in the industry, from underwriting to processing to sales, and much more.
She is now the Co-Founder and CEO of New American Funding, the largest Latina-owned mortgage company in the nation. Thanks to Arvielo’s dedication to creating an inclusive and encouraging environment, New American Funding has become one of the best places to work in the entire country.
Under Arvielo’s leadership, NAF has been repeatedly honored for its workplace culture, including being named one of the Fortune 100 Best Companies to Work For in 2022, 2023, and 2024.
Rick Arvielo
Co-Founder, CEO
Rick Arvielo believes in building a company that operates with integrity and focuses on far more than the bottom line. Arvielo helped build New American Funding into one of the nation’s largest mortgage companies by valuing teamwork, respect, and technological innovation.
Arvielo’s entrepreneurial style resonates throughout the company and attracts like-minded individuals who embrace a spirit of ingenuity, listen more than they instruct, and cooperate more than they direct. Arvielo seeks new avenues for growth, is a staunch advocate for tapping into the online borrower, constantly looks to the future, and is focused on sustained success for generations to come.
Christy Bunce
President Christy Bunce leads the day-to-day operations at NAF and is involved with every aspect of its business. Bunce oversees New American Funding’s entire mortgage lending pipeline, managing its operations, sales, and servicing operations.
Bunce uses her expertise and experience to help shape the future of New American Funding as it expands into new lines of business, grows its suite of offerings, and further solidifies its position as an industry leader.
Commitment to Diverse Communities
NAF is passionate about helping every person, in every community, achieve the dream of homeownership. Our unique initiatives lead the way in serving diverse communities.
NAF believes in the power of Black homeownership. We take great pride in creating opportunities for all communities and are dedicated to bridging the racial wealth gap. It’s why we are committed to lending $20 billion in new mortgages to Black homebuyers by 2028.
NAF is the nation’s largest home loan company founded by a Latina. We are dedicated to hiring Latino personnel with 19% of our workforce being Latino. And by the end of 2028, NAF is committed to providing $10 billion in home loans to the Latino community.
They’ve served us, now we serve them. NAF Heroes is our initiative to increase homeownership and career opportunities for military service members, Veterans, and their families. This program is led by a diverse and passionate group of company leaders, military Veterans, and others who care deeply about supporting those who have served.
At NAF, our mission is to establish a fair and secure lending marketplace that caters to the unique needs of the queer community. We aim to empower the LGBTQ+ community by providing comprehensive guidance on the mortgage lending process, enabling them to achieve their dream of homeownership. Through our safe and inclusive environment, we strive to foster a deep understanding of working with the queer community throughout their homebuying journey.
Novi, MI, 48375. Phone 844-344-0531.