BREAKING NEW GROUND
We’re ready to be your true partner you can count on. We make hard loans EASY.
YOUR LENDING SOLUTION
We underwrite and fund your loan in-house, so you’ll always get fast and accurate information. Our dedicated builder team provides unparalleled visibility, streamlined communication, and complete control from inception to closing. You can count on the loan to close on time and within plan.
320K+
$70.4 BILLION+ IN HOME LOANS
WHY PARTNER WITH NEW AMERICAN FUNDING
Like the dirt you build on, your mortgage partner is an essential part of your business foundation.
BUILDER BENE FITS
• Cutting-edge technology specifically that simplifies the lending process
• Dedicated builder operations team specializing in pipeline management of new builds
• Direct lender for Fannie, Freddie, FHA, VA, & USDA, meaning we don’t have the overlays our competitors do
• Dynamic marketing strategies that ensure homes are sold swiftly
• Improve your margins with ASA and lender credits
• As a true partner, we can plan with you to build communities
• More product offerings for unique new construction homes
• Pre-appraisals available, if needed, to ensure comps support price point
WE SAY YES
TRADITIONAL AND NICHE LOAN PRODUCTS
• FHA, USDA, and VA
• Conventional Loans
• Temporary Buydowns
• No Income Verification Loans
• No Mortgage Insurance Options
• Interest-Only Options
• Construction to Perm
• Down Payment Assistance Programs
• Investment Properties & 2nd Homes
• Jumbo Loans Up to 95% LTV
• Investment Property/DSCR
• 80/15/5 Loan Program
• ITIN
• Bank Statement Program
• Reverse Mortgages
• Foreign National Loans
SUPERIOR MORTGAGE PROGRAMS
With over 400 loan products, we consistently evaluate and update our offerings to provide you with innovative mortgage solutions regardless of the buyer.
CONSTRUCTING THE PERFECT PARTNERSHIP
Creative lending solutions.
FORWARD COMMITMENT AVAILABLE
Securing a specified interest rate for a population of borrowers/properties –regardless of interest rate volatility – available on all in-house products
JUMBO HOME LOANS
We’ll help your clients get into higher-priced homes.
NON-QM LOANS
Your key to helping underserved borrowers fulfill their dream of homeownership.
PATHWAY PROGRAM/DOWN PAYMENT ASSISTANCE
First-time buyers receive up to $6,000 in financial assistance.
CLOSE MORE DEALS
EXTENDED RATE LOCKS
Up to one full year with float down option.
CONVENTIONAL LOAN 95% LTV
Special no PMI payment option for homebuyers. 620 credit score.
TEMPORARY BUYDOWN OPTIONS
Buyers can receive a payment rate 1%, 2%, or 3% lower than the note rate for the first 12, 24, or 36 months.
BUILDER SERVICES
Specialized mortgage lending program designed to help you increase unit turn and profit growth. With a unique blueprint in mortgage banking and builder services, we have dedicated processing and underwriting teams for builders. We truly understand the nuisances of new construction. We’re dedicated to exceeding your expectations and consistently delivering on our promises.
BUILDING OPPORTUNITY PROGRAM
Unlike most lenders, we manually underwrite all loan products: Conventional, FHA, VA
We have no overlays above FHA, VA, USDA, and Conventional guidelines
We allow credit scores down to as low as 500 in some cases on FHA and VA with a manual underwrite
BUILDER REPORTING
Weekly status reports on your clients that we served
Major milestone notifications to track your pipeline
Yearly report on your clients. Broken down by zip code, household income, age, credit score, loan program & more
NAF CASH
Say goodbye to financing contingencies or concerns about closing.
HOW IT WORKS
Clients get pre-approved through New American Funding. NAF Cash works directly with builder and makes an all-cash offer on a new home. NAF Cash purchases home in cash. Client completes mortgage process with New American Funding and officially purchases the home from NAF Cash
NAF Cash is a powerful tool that simplifies the homebuying experience and provides benefits for buyers working with homebuilders.
HIGHLIGHTS
• NAF Cash gets deals done by helping homebuyers make all-cash offers on homes.
• Eliminates contingencies, providing buyers and builders with the certainty of a purchase that will close.
• Buyers can move into their new home before selling their existing one, avoiding the hassle of a tight timeline.
• Cash offers expedite the homebuying process, allowing for faster closings. Plus, builders get paid faster.
Provide opportunities for ASA and Lender Credits to help drive dollars to your
Special
and marketing incentives help you move aged or challenged inventory that may be eroding your margins.
MARKETING TECHNOLOGY
In a competitive environment, advertising and marketing dollars must be maximized efficiently and effectively. We developed unconventional advertising & marketing programs that target your prospective customers wherever they are to help you drive more traffic.
Co-branded Open House or Listing Flyers with payment option
JET PROGRAM
We understand the risk of building a home. The JET program is designed to minimize it by providing Upfront Underwriting to get fast approvals.
PRIORITY BOARDING
Pre-qual: LO will provide a pre-qualification letter after consulting client and reviewing credit report.
ALL CALL
LO -Collects all docs and finalizes application.
ARRIVAL & CROSSCHECK
Loan Set-Up: Order all third-party docs (appraisal, title, VOE) Order Plans & Specs Appraisal for Pre-sale. Submitted directly to Underwriting.
FLIGHT LEVEL
Conditional Approval: We’ve reached our cruising altitude. Processor notifies customer of Conditional Approval & requests any conditions needed for Final Approval. Appraisal sent to all parties upon receipt.
IN CASE OF TURBULENCE
In case of turbulence, fasten seat belt sign is on. All parties notified of RED flag item, the solution and timeline of resolution.
READY FOR TAKEOFF
Upfront Underwriting: NAF underwrites the loan upfront to ensure on time arrival, to avoid turbulence and last-minute flight delays.
FINAL APPROACH FOR LANDING
Closing Department: Prepares loan documents and sends package to attorney. Closing disclosure is finalized and all wires are sent.
PREPARE CABIN FOR LANDING
Final Approval: Loan conditions reviewed by UW. UW issues final approval. Processor sends file to Closing department.
WELCOME HOME!
CLOSING DAY HAS ARRIVED
IN-FLIGHT SERVICE WILL BEGIN
Final Processing: Confirm final contract terms with builder and collect final builder documents. Submit conditions to UW to final approval. Send closing disclosures for signature.
WE’RE LOCAL
UNPARALLELED LOCAL PRESCENSE
• We live in the communities we serve
• Relationships are our #1 priority
• Our local teams are here to help 24/7
• In-person events are our specialty
• We partner with builders on local events
WE INVEST IN OUR COMMUNITIES
• First-time homebuyer workshops
• Community events
• Homebuying process educational materials
WHEN IT COMES TO BUILDER LOANS, WE NAIL IT!
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. Pathway - Credit up to $6,000 maximum. Due to maximum seller concession rules applicable to purchase loan transactions, this credit could be less than $6,000 in some cases where other concessions have been made to the consumer. Reverse - Borrower is responsible for paying taxes, insurance, and other property expenses. 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. Buydown - When choosing a buydown program, a portion of each monthly payment for the first 12, 24 or 36 months will be prepaid by either the seller or lender (depending on consumer’s selection) and held by the lender to supplement the consumer’s required monthly payment. The consumer’s required monthly payment is calculated using an interest 1%, 2% or 3% below the note rate for the buydown period(s), then the note rate for the remainder of the term. Borrower must qualify based on the note rate. 5 year Protection - If rates change after you obtain a loan through New American Funding, you may qualify for a refinance loan with Lender through the 5-year Rate Protection Pledge. Applicable on new applications only. Visit newamericanfunding.com/legal/5year for full terms and conditions. NAF Cash - 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%-5.5% 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. ©️ New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org. Corporate office 14511 Myford Rd., Ste 100, Tustin, CA 92780. 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. The information is to inform the real estate industry only and is not marketing material to be provided to consumers. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. 3/2025.