Your Partner in Success
Jumbo & Non-QM Loans
15 Correspondent Jumbo/Non-QM Investors
FICO scores as low as 600
Loan amounts up to $5 million
Up to 90% loan-to-value (LTV) ratio
Debt Service Coverage Ratio (DSCR) loans
Asset utilization programs
1099 form, or profit and loss (P&L) statement programs
12 & 24-month bank statement programs
In-house DSCR for ITIN’ and ‘NAF Bridge Loan
No-ratio loan options
In-House Community Lending Pathway Suite
Down payment assistance
Non-repayable grant fund options
Repayable In-house Community Lending Programs
Up to $6,000 in grant funds
3% down with no mortgage insurance (MI)
Up to 100% LTV
3.5% - 5% In-house Community Lending Programs Rate discounts on purchase and refinance for:
Properties located in low-to-moderate census tracts
Properties located in majority/minority census tracts
NAF California Condo Advantage
Unlock the NAF California Condo Advantage with our expert team & comprehensive service.
Support for both Warrantable and Non-Warrantable Condo transactions.
Special products such as 0% pre-sale on new construction.
Ensure a seamless process for your condo transactions.
HUD authority for underwriting:
Single-Unit Approvals
DELRAP Condo projects
Stand Out with Unique Loan Solutions
In this business, being able to say yes makes all the difference. With our Indian leasehold land financing program, you’ll be equipped to help clients others may have to turn away. It’s just one example of how we provide you with the tools and programs that set you apart and help you close more deals.
Check Out Our Full Line Of Loan Products
LEARN MORE View all programs available at NAF.
Your Clients Can Buy Before Selling
In today’s turbulent market, NAF Cash can give your clients a competitive edge over other buyers. A proud affiliated company of New American Funding, NAF Cash can turn your client into a cash buyer and put them in a great position to secure their new home.
Clients can buy before selling their current home.
Close more homes and get your commissions faster.
Use potential savings to buy down interest rate. No fees for agents.
LO
Testimonials
"NAF Cash is my secret weapon! It gives my clients the ability to get the property they want, and my realtor partners an advantage over the competition."
Ryan Shultz - Glendora, CA Area Manager, NMLS #255668
"With NAF Cash, I set my real estate agent partners and clients up for success like never before. NAF Cash removes the stress of a contingent sale and empowers my clients to make strong cash offers."
Daniel Arias - Pasadena, CA Branch Manager, NMLS #461805
Why we are a Great Fit for Home Builders
We have the people, products & resources to help you sell more homes.
Dedicated Sales fulfillment and partners
Niche loan products
Extended rate locks up to 270 days with float down option
Consumer friendly digital app
New American Funding Portfolio and Non-QM product offerings
Fannie Mae, Freddie Mac and Ginnie Mae Seller/Servicer
Non-warrantable condo and reduce presale allowance
Builder Services
Expert Support: Our team of certified new construction specialists, including Processors, Underwriters, and Closing Experts, is dedicated to supporting you through every step of the process.
Regular Updates: We provide builders with weekly status reports, keeping them informed about the clients we serve and their progress.
Forward Commitment Program: Builders can take advantage of our unique forward commitment program, offering below-market rates that enhance your project's affordability.
Marketing Collaboration: We collaborate with builders to develop unconventional advertising and marketing programs that effectively reach prospective customers, no matter where they are.
Location Map
Bakersfield
Brea
Brentwood
Burlingame
Dana Point
Downey
Glendora
Granada Hills
Huntington Beach
Inglewood
Long Beach
Los Angeles
Los Gatos
Palmdale
Pasadena
Petaluma
Pico Rivera
Porter Ranch
Redding
Riverside
Roseville
Sacramento
San Clemente
San Diego
San Jose
San Rafael
Santa Ana
Santa Rosa
Stockton
Temecula
Thousand Oaks
Tracy
Tustin (Corporate Headquarters)
Walnut Creek
Whittier
Don’t Take It From Us, Hear
from our Top Originators
“What I like about NAF that sets me apart from others is the ability to confidently go to market and talk about closing loans in 15 days or less, along with access to over 100 loan products. Plus, we focus solely on mortgages, and everyone on our team is united with one goal: to make it happen for our customers. After 24 years at the big bank, it is night and day for me. NAF is amazing."
Erik Oquist, Loan Consultant
“The things that have really moved the needle for me are Bonzo, (specifically how easy it is to get messages out fast and easily in bulk), products that make it easy to differentiate yourself in your market and an operations team that are committed to execution and supporting sales."
Matt Sharp, Sales Manager
“NAF’s deep understanding and flawless execution across a variety of jumbo & non-qm products empowers the sales force to go out and originate with confidence even in the competitive SoCal jumbo market where we operate.”
Daniel Arias, Team Leader
“NAF has the NAF Cash program which sets us apart from others, I have earned several more loans just from advertising this program. Some have closed NAF Cash and others we just got in the loan and did the regular way, but either way I was able to obtain more business from it. It has been an attention-grabbing email every time for agents”
Brenda Dintino, Branch Manager
“At New American Funding, the culture of collaboration, cutting-edge technology, and strong leadership have truly set me up for success. With over 30 years in the mortgage industry, I've found that the tools and resources provided here not only streamline my workflow but also empower me to scale my business effectively. NAF stands apart by fostering an environment that allows me to grow and continue delivering exceptional service to my clients.”
Gino Olivo, Branch Manager
Additional
Quotes
"NAF has the name and the reputation, which is huge in this market. I have had several comments over the years on how trusted NAF is out there… helps my offers get accepted more than others!"
"NAF has an overall culture of wanting to help the community, and always has, and that is known throughout the industry."
"NAF is the VERY BEST at docs out and funding, this is a life saver and enables us to close loans so fast. The faster they close, the faster we are paid, and the agent too!"
"NAF has so many tools and can help everyone succeed, and beyond, you just need to ask."
THE POWER OF Our Platform
Servicing All Conventional, FHA, & VA Loans
$70B
Servicing Portfolio 266K+ Total Loans in Servicing Center
Out of 1,044 Employees in California
149 have been here for 10-16 years
191 have been here for 6-9 years
297 have been here for 2-5 years
Servicing & Retention Support
We prioritize exceptional service through our post-close campaigns, using engaging digital and print materials— such as personalized co-branded with buy agent mortgage statements, birthday cards, and anniversary cards— to strengthen relationships between all parties.
Our dedicated retention team ensures top-notch service by actively engaging clients through follow-up calls, enhancing their experience and identifying growth opportunities. This approach has successfully transitioned thousands of clients back to their Loan Officers (LOs), fostering loyalty and maximizing potential.
NAF Promise
Driving change through diversity, employee growth, and equitable homeownership opportunities for all communities, NAF Promise embodies the future of inclusion. We’re committed to equity for all, shaping our goals around celebrating diverse communities. We strive to diversify our team, enhance employee growth, and increase homeownership with fair, sustainable financing. Our mission is clear: inclusivity for everyone!
We’re Putting More Time Back in Your Day
We understand that your time is valuable. Our operational support is designed to optimize the Loan Officer's workflow, ensuring you can focus on the most impactful business activities, such as building strong relationships and closing more deals.
Key Benefits
In-House Processing, Underwriting, and Funding: Our operations team includes in-house processing, underwriting, and funding departments, enabling you to originate loans faster and more efficiently.
Comprehensive CRM Marketing Support: We provide robust CRM marketing support, ensuring that your customer relationship management is seamless and effective. This allows you to generate more engagement and maintain strong client connections.
Task Fulfillment: Our trained operations team handles a wide range of tasks, from administrative duties to marketing initiatives, freeing up your time to focus on strategic business growth.
Local Expertise: Our team understands the market and can offer tailored solutions to meet the unique needs of your clients.
Enhanced Efficiency: By streamlining operations and providing expert support, we help you work smarter, not harder, so you can maximize your productivity and results.
Dedicated Support: You’ll have a dedicated point of contact within our operations team, ensuring that any questions or issues are addressed promptly and effectively.
The Platinum Onboarding Experience
At NAF, you will experience onboarding with a white-glove approach – where every detail is tailored to make you feel not just welcomed, but truly valued. Our team goes beyond checklists, ensuring that through personalized touches and seamless support.
This isn’t just an introduction; it’s your VIP Pass into a culture that’s ready to champion you & your clients from day one.
Grow Your Business
With Strategic Marketing Solutions
Custom Marketing Collateral: Tailored materials that reflect your unique brand and resonate with your target audience.
Email Campaigns: Engaging and effective email marketing to keep your clients informed and connected.
CRM Assistance: Expert support to optimize your Customer Relationship Management system, ensuring seamless client interactions.
Social Media Scheduling: Consistent and strategic posting to maintain a strong online presence and engage your audience.
Content Ideas and Education: Fresh, relevant content and educational resources to keep your clients informed and your brand top-of-mind.
Marketing Tech: A state-of-the-art loan officer website, optimized Google My Business listing, and a customer experience platform to enhance your digital presence and client interactions.
Your Growth Partners in California
At NAF we believe recruiting is more than bringing on roles, it’s building a future for not only the organization but the teams you’re a part. Our dedicated VP’s of Talent Acquisition are your true partners who know your region, industry, and goals to make us ALL thrive!
Jason Plazola, VP Talent Acquisition Manager
With 15+ years in mortgage recruiting and 7+ years at NAF, Jason leads retail growth across Northern California and Nevada. He was NAF’s #1 VP of Talent Acquisition in 2024, hiring nearly $1B in production over 12 months.
Amir Eskander, VP Talent Acquisition Manager
Recruiting for 11+ years and with NAF for over 7 years, Amir supports talent acquisition across Southern California and Hawaii. He enjoys partnering with Branch Managers to build strong pipelines and bring in top-producing LOs aligned with NAF’s culture and long-term vision.
We Don’t Just Recruit. We Build Teams That Move You Forward.
Deep knowledge of California’s hiring landscape
Proven experience building high-impact teams
Industry-specific insights and talent strategies
Hands-on support for leaders and hiring managers
Data-driven, people-first approach to hiring
Eager to Explore Further?
Make the Greatest Impact With Our Vast Array of Marketing Tools.
LEARN MORE
LEARN MORE Your Success Is Our Success, See the NAF Difference.
Rising Stars, Real Stories
“The most critical components to growing business in today’s market are competitive rates, a diverse range of loan programs, and a seamless loan process which leverages technology to maximize efficiency. NAF’s competitive rates allow me to sell with confidence knowing I’m providing clients with the value they deserve. From FHA and VA to Conventional, Jumbo and Non-QM, NAF’s diverse range of programs allows me to close on even the most complex situations. Proprietary programs such as NAF Cash and NAF Bridge open the door to opportunities that would not otherwise be available to me, my clients, and referral partners. Closing loans can be cumbersome, but at NAF, the technology, team environment and accessibility of underwriting and management make the process painless. I’m thankful for joining NAF which has given me the opportunity to exceed the needs of clients and grow a solid referral base." Chad Geyer, Loan Consultant (Joined 2024)
“Being back at NAF has helped me to continue growing my business primarily due to the common-sense approach to underwriting. This has allowed me to say “yes” to my more challenging but viable clients/transactions. We have the ability to think outside the box and take on transactions that other lenders may not even try. This allows my conversations with clients and realtors to come with confidence that we can get the job done. In addition, when a problem arises, all departments will rally to overcome any hurdles and to get the loan across the finish line! Rather than an “us vs. them” mentality between sales and operations – here we are a team.”
Michelle
Magana, Sales Manager (Joined 2024)
“New American Funding has significantly contributed to my professional growth and business success by providing powerful tools, personalized support, and industry-leading resources. Their commitment to innovation and hands-on guidance has enabled me to better serve my clients and expand my reach in a competitive market.”
Blanca
Gomez, Sr. Loan Consultant (Joined 2024)
“As a loan officer with two decades of experience, my recent transition to New American Funding has truly been a game-changer in my career. Joining this dynamic independent mortgage bank has provided me with invaluable support from an incredible operations and underwriting team. Their commitment to being solution-oriented has made my work more efficient and enjoyable than ever before. One of the standout features of New American Funding is the unique range of products we offer, which are not available anywhere else. This diversity allows me to consistently engage my realtors, buyers, and financial planners with fresh and compelling talking points. I’m never at a loss for success stories to share, and this has significantly enhanced my ability to connect with clients and build lasting relationships. Overall, my experience at New American Funding has been exceptional, and I’m excited to continue this journey of growth and success.”
Monique Stanford, Branch Manager (Joined 2025)
“Being part of NAF for the past 10 years has been life-changing. With unwavering support from leadership, access to top-tier tools, and personalized coaching, I’ve been able to grow from a marketing role into a successful loan officer. It’s the culture of collaboration, mentorship, and genuine investment in our success that has truly elevated my career.”
Eva Melgarejo, Loan Consultant (Joined 2015)
“Being part of NAF has been instrumental in my growth. The strong operational support, innovative tools such as Monitor Base, Mortgage Coach, Bonzo and so much more along with collaborative leadership have allowed me to expand my impact beyond my immediate circle. I’ve been able to strengthen relationships with referral partners and buyers by offering a wide range of programs— from first-time homebuyer initiatives to investors.This foundation has also empowered me to get more involved in my community, partnering with the local Chamber of Commerce, hosting lunch and learns, and leading buyer education workshops. These efforts have not only helped me grow my business but have also given me the chance to guide more families through the homebuying process with confidence and clarity.”
Christine Perez, Loan Consultant (Joined 2018)
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. ©️ New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org. Corporate office 14511 Myford Rd., Ste 100, Tustin, CA 92780. Phone: (800) 450-2010.
NMLS #6606 (www.nmlsconsumeraccess.org).
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. 41050 W 11 Mile Rd, Ste 220, Novi, MI, 48375. Phone 844-344-0531. Not available on all down payment assistance programs. Geographic restrictions apply.
The advertised loan is a 30-year fixed loan with a 30-year fully amortizing term with a seller paid buy down. Depending on the program, there will be a 1, 2, or 3 year seller paid buy down. A portion of each monthly payment for the first 12, 24, or 36 months will be prepaid by the seller and held by the lender to supplement the buyer’s required monthly payment. The buyer required monthly payment is calculated using an interest rate below the note rate for the first 12, 24, or 36 months. After the initial buydown period, the interest rate will adjust to the note rate. Due to maximum seller concession rules, discount can be less than 6% in some cases where other concessions have been made to the consumer.
New American Funding, LLC. is an Equal Opportunity Employer. We believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.
For the $8,000 credit - Credit up to $8,000 maximum. Due to maximum seller concession rules applicable to purchase loan transactions, this credit could be less than $8,000 in some cases where other concessions have been made to the consumer. VA – This isa VA program. For more information, visit: https://www.benefits.va.gov/homeloans/index.asp
California - California DFPI Residential Mortgage Lending Act License License/Registration #: 4131117