Building Homes, Honoring Valor
More Than a Lender — A Legacy
New American Funding (NAF) stands tall as one of America’s top mortgage lenders, a privately-owned powerhouse founded over 20 years ago in 2003. Led by a Latina visionary, we’ve grown from a small operation to a national force, originating billions in loans each year and servicing over 90% ourselves—an uncommon commitment in this industry. Our reach spans offices across the country, paired with a cutting-edge online call center, ensuring we’re there when you need us.
Our team? As diverse as the nation we serve, with more than 100 veterans bringing their grit and heart to work every day. We offer an extensive lineup of loan products, but our true mission shines brighter: increasing homeownership for underrepresented communities, especially those who’ve worn the uniform.
At NAF, we don’t just finance homes — we build legacies, one family at a time.
The Compass Guiding Every Loan
Our values aren’t just slogans; they’re the DNA of every decision we make:
Lead with Integrity: We’re honest, transparent, and accountabl because trust is the foundation of every home loan.
Stronger United: Our diverse team thrives on collaboration, reflecting the communities we serve.
Innovation Fuels Innovation: We rethink, retool, and redefine what’s possible in lending.
Pursue the Impossible: Challenges don’t stop us—they inspire us to find a way.
Execution Drives Success: Ideas are nothing without action; we deliver results, not just promises.
These principles guide us as we turn dreams into deeds, especially for our military heroes.
Serving Diverse Communities
A Home for Every Story
At NAF, diversity isn’t a buzzword, it’s our strength. Through initiatives like NAF Pride, NAF Latino Focus, and NAF Black Impact, we’re breaking barriers to homeownership for those too often left behind.
But NAF Heroes holds a special place in our hearts—a dedicated effort to serve military service members, veterans, and their families. We see the sacrifices they’ve made through deployments, relocations, and sleepless nights. Homeownership isn’t just a financial step for them, it’s a right earned through valor, and a chance to plant roots after years of service. We’re here to make that happen, one hero at a time.
NAF Heroes Unveiled
NAF Heroes is our pledge to the military community, rooted in a bold mission and vision:
Mission: Equip our agents with comprehensive VA specialist training and highly curated marketing materials, so they can offer tailored financial solutions that fit the unique needs of military audiences—whether it’s a first home, a refinance, or a career boost.
Vision: Increase homeownership and open career doors for service members, veterans, and their families, nationwide.
VA Lending Certification
Knowledge That Unlocks Doors
Our “Leading The Way” VA Mortgage Certification Training is the backbone of NAF Heroes. It’s an essential program designed to arm agents with the expertise to serve veterans and active-duty members with the respect they deserve.
Professional Recognition: Stand out as a VA loan expert.
Enhanced Skills: Master the nuances of VA lending, from COEs to appraisals.
Exclusive Resources: Access tools and insights others don’t have.
Networking & Impact: Join a community dedicated to military homeownership.
Voices of Impact
“I’ve walked in their boots — jungle mud, desert sand. This training lets me honor their journey with every loan I close.”
Venus Sherrill NAF Loan Consultant
“James thought his chance had passed. At 70, he became a first-time homeowner. Seeing him hold those keys—I’ll never forget it.”
Heather Lee NAF Sr. Loan Consultant
“I’ve watched veterans light up when they realize what’s possible. One couple used rental income from a 4-unit property to qualify — zero down. It’s life-changing.”
Teresa Clark
NAF Branch Manager & Loan Consultant
Products for Heroes
Built for Your Journey
NAF Heroes offers an arsenal of products tailored for the military community:
VA One-Time Close: Build your dream home with one streamlined loan. No juggling construction and permanent financing.
Low/No Credit Score Options: Scores as low as 500? No problem. we see your potential, not just your past.
100% LTV Cash-Out Refinance: Tap your home’s equity up to 100%, giving you flexibility when it counts.
4-Unit Properties: Buy up to four units at 100% financing, using rental income to qualify — perfect for growing wealth.
NAF Cash: Move fast in a hot market with cash-like offers, backed by NAF.
VA Loans 101 VA Benefits
VA loans are a hidden gem too many veterans miss:
No Down Payment: If the sales price matches the appraised value, you’re in with zero out of pocket.
No PMI: Skip private mortgage insurance — more savings, less hassle.
No Loan Limit: With full entitlement, afford the home you want, no cap.
No Pre-Payment Penalties: Paying off a loan sooner can save thousands.
For Agents & Partners Support Heroes Right
How to serve the military community: Understand Their World
PCS (Permanent Change of Station) means urgency.
BAH (Basic Allowance for Housing) counts as income.
LES (Leave and Earnings Statement) replaces a W-2.
Respect Their Journey: They’ve earned this benefit — guide them with care. It’s not just a sale; it’s a service to those who’ve served us.
Myths & Misconceptions
VA Loans Don’t Cover Closing Costs
Myth: VA loans cover only the home price.
Truth: Sellers/lenders can help with closing costs; some can roll into the loan.
Benefits Can’t Be Reused
Myth: VA benefits are one-time use.
Truth: Entitlement is reusable after loan payoff or home sale, even for multiple loans.
Only One VA Loan Allowed
Myth: Veterans are limited to one VA loan.
Truth: Multiple loans are possible based on remaining entitlement and county limits.
VA Benefits Expire
Myth: Benefits end over time.
Truth: They last a lifetime for eligible veterans.
Zero Down = Weak Buyer
Myth: No down payment signals risk.
Truth: VA’s zero-down benefit aids stable veterans meeting strict criteria.
VA Loans Are Hard to Get
Myth: Underwriting is tougher.
Truth: Similar to conventional loans; government backing often eases approval.
Sellers Must Pay Fees
Myth: Sellers cover all costs.
Truth: Sellers can contribute up to 4%, but it’s not mandatory.
VA Appraisals Are Stricter
Myth: Tougher than conventional.
Truth: Focus on safety/livability, not harder—just thorough.
Co-signers Have Rules
Truth: Non-spouse co-signers must be veterans, or a down payment may be needed (e.g., 12.5% for one non-veteran).
Surviving Spouse Needs Service Connection
Truth: Eligibility often requires the veteran’s death to be service-related.
Let’s Connect!
Your Next Step
At NAF Heroes, we don’t see borrowers — we see heroes. Every loan is a tribute, every key a thank-you. With 90% of loans serviced in-house and a mission fueled by integrity, we’re not just lending — we’re honoring a legacy. Join us.
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. 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. NAF Homes, Inc. (“NAF Homes”) has a business relationship with New American Funding, LLC (“NAF”). NAF Homes and NAF are affiliates with the same beneficial owners. As a result, the referral of a customer by NAF Homes to NAF may provide NAF Homes, its affiliates and/or its employees with a financial or other benefit. You are not required to use NAF Cash or NAF as a condition of the purchase, sale or refinance of the subject property or to obtain access to any settlement service. NAF Insurance Services, LLC, NPN 20666162, California License 6010426. All insurance products are subject to state availability, issuance limitations and contractual terms and conditions. Quotes are subject to approval by the insurance carrier. Insurance services provided by Matic Insurance Services Inc. Online purchasing not available for all insurance carriers. New American Funding, LLC has a business relationship with NAF Insurance Services, LLC, and each of these companies are affiliates with the same beneficial owner. Services described are provided through NAF Concierge, an affiliated company of New American Funding. 05/25