the of
We Celebrate forempoweringdiverse communitiestoachieve homeownership,build wealth,andcreate lastinglegacies.
NEW AMERICAN FUNDING WHERE IMPACT MEETS OPPORTUNITY
NewAmericanFundingisoneofthetoplenderstoHispanic andBlackborrowers(per2022HMDAdata).
Thecompanyoriginatesbillionsinloans eachyearandservicesapproximately90% oftheConventional,FHA,andVAloanswe originate,allowingdiverserevenue streams,customerloyalty,andsuccessful navigationofmarketconditions.
90%
AFoperatesinall50 ates,providingtailored ortgagesolutionsthat eettheuniqueneedsof ommunitiesacrossthe ountry.
WHAT WE VALUE
EXECUTIONDRIVESSUCCESS
Purposedrivescouragetoreachbeyond,overcome obstacles,findsolutions,anddeliverexceptionalservice.
PURSUETHEIMPOSSIBLE
NAFthinksbeyond”whatis”andenvisions“whatcould be”beforecompetitors.
INNOVATIONFUELSEVOLUTION
InnovationisattheforefrontofeverythingNAFdoes, leadershipencouragescalculatedrisks,newideas,and strivestoexceedexpectations.
PEOPLECOMEFIRST
NAF’scorevaluesaffectpositive,groundbreakingchange anddeliverexcellencetothecustomers,colleagues,and communitiestheyserve.
LEADWITHINTEGRITY
Asaleaderinthemortgageindustry,wehavealways leadwithintegrity.
STRONGERUNITED
Achampionofapositiveandinclusiveculturethatfosters open,honest,andmeaningfulrelationships.
A SHARED COMMITMENT TO BLACK HOMEOWNERSHIP
DearHousingCounselingProfessionals,
YourworkisthefoundationofBlackhomeownership.Youmeet homebuyerswheretheyare,guidingthemtowardtheirgoalswith expertise,patience,andcare.AtNewAmericanFunding(NAF),we recognizeandhonorthatwork.
Blackhomeownershipisn’tjustabouttransactions it’sabouttrust.Fortoo long,systemicbarriershavekeptBlackfamiliesfromaccessingthesame homeownershipopportunitiesasothers.Buttogether,wecanchangethat.
Housingcounselingagenciesprovideessentialsupporttofuture homeowners,ensuringtheyhavetheguidanceandresourcesneededto takethenextstep.Byworkingtogether,wecanexpandaccessto homeownershipandincreasethenumberofBlackfamiliesachievingtheir homeownershipgoals. Thankyoufortheworkyoudo.Weareproudtostandwithyouinthis mission.
Withappreciation,
SUSTAINABLE, LONG-TERM IMPACT
Together,wehelpfamilies achievehomeownership andmaintainit,creating lastingfinancialstability andgenerationalwealthin Blackcommunities.
THE POWER OF COLLABORATION
Blackhomeownershipdoesn’t increaseinisolation—itgrows throughcollectiveaction. Housingcounselingagencies playacrucialroleinshapingthe futureofBlackhomeownership byprovidingtrustedguidance, financialinsights,andaclear pathforward.
GUIDANCE & COMMUNITY CONNECTION
Housingcounseling agenciesareoftenthefirst pointofcontactforBlack homebuyers,providing personalizedsupportthat buildsconfidenceand trustinthehomebuying process.
STRONGER OUTCOMES & SMOOTHER TRANSITIONS
Byaligningefforts,we ensurehomebuyersreceive clearfinancialdirectionand seamlesssupport,making thetransitionfrom preparationtopurchase easier.
EXPANDING ACCESS TO HOMEOWNERSHIP PATHWAYS
PartnershipshelpBlack homebuyersnavigatecredit concerns,misinformation, andlendingoptions, ensuringtheyhavethetools tomoveforward.
PATTY ARVIELO
“Forus,thisismuchmorethanarebrandin s anecessarysteptodemonstrateourrespo community.”
PattyArvielo,Co-founder&CEOof NewAmericanFunding,inBlackEnterprise.
PattyArvielohasbeenaleaderinthemortgageindustryfornearly40 years.Shehasworkedherwayupfromthebottomrungandgained extensiveknowledgeoftheentireindustryalongtheway.Overthe courseofhercareer,shefunctionedinavarietyofcapacities,from underwritingtoprocessingtohercurrentroleasCo-FounderandCEOof NewAmericanFunding.Shealsooversawthecreationandexpansionof thecompany’sretaillendingoperation,whichgrewasmalllocal operationtoanationalpowerhousewith282locationsandmorethan 4,700employeesacrossthecountry.PattyhasalsodrivenNewAmerican Fundingtobecomeanindustryleaderinlendingtodiversecommunities. Inthatspirit,sheestablishedthecompany’sLatinoFocusandNAFBlack ImpactinitiativestoimprovethelendingexperiencesofLatinoandBlack homebuyers,respectively.
https://www.blackenterprise.com/national-mortgage-lender-extending-20b-in-loans-to-black-borrowers-through-2028/
MOSI GATLING
“Theindustryinthepasthaspigeonho “assistanceoraffordablehousing,”bu morethanthat,andtheBlackcommun fromapplicationtoclosingthatismorethantheyvebeenprovidedin thepast.”
MosiGatling,SVP,StrategicGrowthandExpansion ofNewAmericanFunding,inBlackEnterprise.
Mosi“Mo”Gatling(NMLS#557166)theSeniorVicePresidentofStrategic GrowthandExpansionatNewAmericanFunding.Inthisrole,Gatling transcendstheroleofatop-tierloanoriginator.
Inherstrategicleadershiprole,Gatlingbringsawealthofknowledgeto NewAmericanFunding.Notably,shecreateda$100,000,000mortgage businesswhileactivelyaddressingthecurrentdisparitiesinBlack homeownershipaswellasotherunderrepresentedcommunities. Recognizedconsistentlyinthetop1%bytheScotsmanGuide,Gatling achievedaremarkablenationalranking,highlightingherdedicationto empoweringpotentialhomebuyers.
BlackImpactisacommitmenttoaction.ItwascreatedtoincreaseBlack homeownership,closetheracialwealthgap,andensurethatmoreBlack familiescanachievefinancialstabilitythroughhomeownership.
Thisinitiativegoesbeyondjustlending it’saboutreshapingthewayBlack homebuyersexperiencethehomebuyingprocessbyaddressingbarriers, increasingaccess,andfosteringtrust.
Throughcollaborationwithindustryprofessionals,housingcounseling agencies,andcommunityleaders,BlackImpactworkstoensurethat Blackhomebuyersreceivetheguidance,resources,andopportunities theyneedtosucceed.
MISSION & VISION
Mission
TostandwiththeBlackcommunity byengagingwithBlackemployees andconsumers,offeringongoing culturalcompetencytraining, acknowledginghistoricalchallenges andsystemicbarriersfacedbyBlack individuals,andusingintentional languageinourmarketingeffortsto empowerBlackclientsinachieving homeownership.
Vision
Toshapeadiverseandinclusive landscapeforhomeownership.Black Impactrepresentsourcommitment totakingdirect,action-orientedsteps toaddresscreditaccessibilityand promotesustainableandequitable homeownershipforBlackindividuals andcommunities.Werecognizeand celebratetheresilience,creativity,and leadershipofBlackcommunitiesin overcomingsystemicobstaclesand discrimination.
ACCESS & OWNERSHIP GAPS
45.9%Blackhomeownership ratevs.70.1%white homeownershiprate
50%+ofBlackhomebuyers arefirst-generationbuyers
CREDIT & FINANCING DISPARITIES
80%morelikelytobecredit invisibleorunscorable
677avg.FICOscoreforBlack borrowersvs.742forwhite borrowers
2.5xhigherdenialratefor Blackapplicantsvs.white applicants
MISTRUST & DISCRIMINATION CONCERNS
THE STATE OF BLACK HOMEOWNERSHIP
BlackAmericanshavefoughtfor generationstoaccess homeownership.Thesenumbers revealboththechallengesweface andtheopportunitytobuild somethingbetter.
MOMENTUM & MARKET OPPORTUNITY PATHWAYS
58%ofBlackrentersworryabout discriminationduringthe homebuyingprocess
Blackbuyersarelesslikelyto discloserace/ethnicitydueto fearofbias
$2.1trillionprojectedBlack buyingpowerby2026 2.4x growthsince2000
70%offuturehomebuyerswill comefromdiversecommunities Blackmillennialsareamongthe fastest-growingsegmentsof first-timebuyers
TURNING INSIGHT INTO ACTION
Realchangehappens whenwerespondtothe datawithalignment, trust,andintention.
Thenumberstellaclearstory—but therealimpacthappenswhenwe usethemtoguideourapproach.
Housingcounselingagenciesare criticaltoshiftingoutcomes.By workingtogether,wecanhelp moreBlackbuyersovercomethe obstaclesandmoveforwardwith confidence.
TheRealityToday
Blackhomeownershiphas increased,butsystemicbarriers stilllimitaccesstofinancing, equity,andstability. Creditchallenges,down paymentconcerns,andlender mistrustremaintopconcerns amongBlackbuyers. Manyqualifiedrentersdon’t believehomeownershipis possible showingagapinboth accessandbelief.
TheOpportunityAhead
MoreBlackfamiliesareactivelyexploring homeownershipthaneverbefore.
Housingcounselingagenciesplaya criticalroleinbuildingtrustandbridging thatgap.
Homebuyerassessmentsprovidea judgment-freestartingpoint helping buyersunderstandtheirreadinessand takeclearnextsteps.
Theresultcouldbeapreapproval,a referraltoUqual,orareferraltoyour agencyforcontinuedsupport.
MODERNIZING FAIR
HOUSING AND OPPORTUNITY IN HOUSING
BlackImpactisn’tjustaninitiative—it’samovementdesignedtohelpreal estateprofessionalslikeyoumakearealdifferenceinBlackhomeownership.
Rootedintheunderstandingofhistoricalchallengesandsystemicbarriers, BlackImpactprovidesthetools,knowledge,andpartnershipstohelpmore Blackfamiliesachievehomeownership.
BILLION
8% INCREASEIN BLACKHOMEOWNERSHIP OVER5DECADES*
THE MISSING PIECE TO
ADVANCING BLACK HOMEOWNERSHIP
TheBlackImpactHousing AdvocateCertification(HAC)
TheBlackImpactHousingAdvocate Certification(HAC)isatransformativetraining programdesignedtodeepenourcommitmentto promotingequitablehomeownership.This initiativeisn’tjustabouttrainingoursalesforce; it’samovementtowardsfosteringamore inclusiveanddiverselandscapeinthemortgage industry.Whenyouseethebadge,itmeansthat theindividualwhoearneditisproudly showcasingtheircommitmentandexpertisein servingBlackhomebuyers.
WegotourHouseinorderfirst!
HISTORICALPERSPECTIVE CULTURALCOMPETENCE
ReviewofHistoricalContextand Challenges
BarriersBeyondRedlining FinancingandSocialImpact
BuildingAuthenticRelationships withBlackorganizations
Ensuringrealestateagentsand loanofficersworktogether seamlessly Aligningmarketingand outreachstrategieswithreal estateagents
Morethana“BlackStory” AdoptingEffective CommunicationStyles
ConnectiveMarketing
GenerationalandFamilial Influences
Avoidingcommonmisstepsthat createmistrust
MORETHANTHE1003
MitigatingModernDayBiasin Lending
InclusiveMortgageSolutions
ExaminingKeyCaseStudies ApplyingKnowledgetoReal-Life Scenarios
WORDS MATTERS
LanguageBuildsTrustwithBlackHomebuyers
AtNewAmericanFunding,werecognizethatlanguageplaysapowerfulrolein shapingabuyer’sexperience ManyBlackhomebuyershavefacedhistoricalbarriers andpresent-daybiasesinrealestate Overtime,we’vebeenintentionalabouthow wespeakabouthomeownership becausesmallshiftsinlanguagecanmakeabig difference.
Insteadofsayingthis:
Underserved
PeopleofcolororBIPOC
Minoritiesorminority
Financialliteracyorhomebuyereducation
Prequalification
Affordablehousing
Downpaymentassistance
Creditrepair
Rationale:
Saythisinstead:
Underrepresented
BlackindividualsorBlackcommunities
Diversecommunities
Mortgagepreparedness
Homebuyerassessment
Entry-levelhome
Leveragingavailableresources
Optimizeyourcredit
‘Underserved’WeacknowledgethatBlackhomebuyersfacesystemicbarriers,butwealso knowthatsolutionsexistShiftingourlanguagekeepsthefocusonaction,notobstacles
BIPOCisabroadterm,butinrealestate,specificitymattersWenamethecommunitywe’re committedtoserving.
‘Minority’canimplyinferiorityorlesserstatus.‘Diversecommunities’ismoreinclusiveand recognizesvariousculturalgroupswithoutmarginalization
‘Financialliteracy’or‘homebuyereducation’Thisshiftremovesanyimplicationthat buyerslackknowledgeandinsteadempowersthemasproactivedecision-makers.
‘Prequalification’cansoundrigidandtransactionalwhilehomebuyerassessmentfeelslike aguidednextstep,notapass/failtest
‘Affordablehousing’canmakebuyersfeelliketheyhavelimitedoptions‘Entry-levelhome’ keepsthefocusonpossibilitiesandfuturegrowth
‘Downpaymentassistance’Manyhomebuyersusefinancialresources it’snotjustfor thoseinneedReframingthisensuresbuyersdon’tfeelsingledout
‘Creditrepair’Weframecreditassomethingthatcanbestrengthenedratherthan somethingbroken
INCLUSIVE
MARKETING
EngagingBlackHomebuyerstheRightWay
MarketingtoBlackhomebuyersrequiresmorethanjustdiverseimagery itrequires authenticity,trust-building,andculturalawareness We’vebeenintentionalaboutshifting thewayweapproachmarketingtoensureitresonates,reflectsrealexperiences,and buildstrust
Throughlistening,learning,andadapting,we’verecognizedkeyareaswheremarketing caneitherreinforcetrustorcreatedistance
HowOurMarketingHasChanged
TokenRepresentation–AddingoneBlackpersoninamarketingcampaignisn’ttrue inclusivity.Representationshouldbeconsistentandauthenticyear-round.
StereotypicalMessaging–“HelpingminoritiesachievetheAmericanDream.”While well-intended,theycanfeelpaternalisticorperformative.Instead,focuson empowermentandopportunity
OveruseofFinancialHardshipNarratives–Marketingthatoveremphasizesstruggle canmakehomeownershipseemoutofreach.Whileit’simportanttoaddress challenges,balanceitwithsuccessstoriesandaccessiblesolutions.
ExcludingLuxuryorMove-UpBuyers–NotallBlackbuyersarefirst-timehomeowners. Ensurethatmarketingmaterialsreflectafullrangeofhomeownershipopportunities
EXPANDING IMPACT THROUGH PARTNERSHIP
CollaborationThatMovesHomebuyersForward
Housingcounselingagenciesarethecornerstoneoftrustinthecommunitieswe serve.AtBlackImpact,webelieveincreasingBlackhomeownershiptakesmore thanguidance—ittakesalignment.That’swhywe’recommittedtopartnerships thatextendyourimpact,reinforceyourmessage,andsupporttheworkyou’re alreadydoingtomovemorefamiliesintohomeownership.
CustomMarketingfor YourAudience
We’llworkwithyoutodevelop community-centeredmaterials thatreflectthevaluesand realitiesoftheclientsyouserve
Culturallyalignedflyers, digitalcontent,andevent templates
Messagingthataffirmsand empowersBlackhomebuyers
Inclusivevisualsthatreflect realfamiliesandrealgoals
Co-brandedoptionsto elevateyouragency’s visibility
CuratedEventsThatMeet ClientsWhereTheyAre
Fromin-personworkshopsto virtualinfosessions,wecan helpyoucreateeventsthatare meaningfulandalignwithyour mission.
Co-hostedsessions
Topicsincludecredit, preparation,lending,and more
Planningsupportand promotionalmaterials provided Customizableformats: panel,Q&A,orworkshopstyle
AccesstoHAC-Certified LoanOfficers
Weconnectyouwithloan officerstrainedtounderstand thespecificneedsofBlack homebuyersWhenyourclients arereadytotakethenextstep, they’llbemetwithaligned language,culturalawareness, andcontinuedsupport.
Seamlesshandoffthat honorsthetrustyou'vebuilt
Fewercommunication breakdowns,more successfulclosings
Buyersfeelsupportedfrom starttofinish
STRENGTHENING THE CLIENT EXPERIENCE
TOGETHER
Partnershipsthathonoryourprocessand expandyourimpact
Ourgoalisn’ttoduplicatetheworkyou’redoing it’stosupportandscaleit. Theseadditionalpartnershipopportunitiesaredesignedtohelpyouservemore families,builddeeperalignmentwithloanofficers,andcreateasmootherpath tohomeownershipforthecommunitiesyoucareabout.
ProfessionalDevelopment
&LearningOpportunities
Weofferoptionalwaysforyour teamtostayconnectedto industryshiftsandbest practiceswhenservingBlack homebuyers.
Invite-onlystrategysessions andmasterminds
Roundtableswithother agenciesandadvocates
Insightsoninclusive languageandoutreach
Optional notrequired resourcestosupportyour staff
CollaborativeProgram Alignment
Weworkwithyoutoensurethe transitionfromcounselingto lendingisseamlessOurgoalisto complementyourprocess,not complicateit.
Sharedtimelinestoreduce gapsbetweenreadinessand action
Customworkflowsbasedon howyouragencyoperates
Toolslikehomebuyer assessmentstokeepclients informed
Flexibilityinhowweconnect, refer,andfollowup
IncreasedVisibility& CommunityReach
Webelievetheworkyour agencydoeseverydayshould beseen,supported,andshared Throughourpartnership,we’ll helpincreaseyourvisibilityand strengthenyourpresenceinthe community.
Socialmediamentionsand collaborativeshout-outs
Invitationstospeakorbe featuredatindustryevents
Opportunitiesforjoint communityengagement
Referralopportunitiesfrom alignedlendingteams
EMPOWERING HOMEOWNERSHIP, EVEN WHEN THE PATH LOOKS DIFFERENT
Toolsthatmeetclientswheretheyare—whetherthey’rebuying,rebuilding, orunlockingwhattheyalreadyown.
AtNewAmericanFunding,weoffertraditional mortgageprogramslikeConventional,FHA,VA,USDA, andJumbo butwealsorecognizethatnotevery clientfollowsatypicalpathtohomeownership.
Whetheryourclientsarerebuildingafteradisaster, self-employed,renovating,oraccessingtheirequity, wehaveflexiblesolutionstosupportthematevery stage
FHA203(k)RenovationLoan
Purchaseandrenovatewithasingleloan Idealfordistressedorfixer-upper properties
Canincludecosmeticandstructural repairs
Helpsclientsbuildequitythrough improvements
FlexibleOptionsforSelf-Employed Buyers
Bankstatementandalternativeincome programs
Designedforentrepreneursandfreelancers
Manualunderwritingavailable
Helpsbuyerswithnon-traditionalincome qualifywithconfidence
Flexiblelineofcreditsecuredbyyourhome
Quickaccesstofundsforrenovations, investments,orlargeexpenses
Keepsfirstmortgageintact Adjustabledrawandrepaymentoption
FHA203(h)DisasterReliefLoan
Nodownpaymentrequired Availablewithinoneyearofa federallydeclareddisaster
Forhomeownersorrenterswholost theirhome
Designedtoassistinrebuildingor relocating
ReverseMortgage(HECM)
Forhomeownersaged62andup
Accessequitywithoutmonthly mortgagepayments
FHA-insuredandnon-recourse
Requiresindependentcounseling foreligibility
NAFCash
Empowersclientstomake competitivecashoffers
Removesfinancingandappraisal contingencies
Helpsoffersstandoutincompetitive andinvestor-heavymarkets
REMOVING BARRIERS.
REINFORCING
READINESS.
HomebuyerAssessment
Whywestarthere
Jumpingstraightintoapreapprovalcanbe intimidatingoroutofstepwithwhereaclienttruly is Thehomebuyerassessmentoffersamore approachablestartingpoint achancetoexplore theirgoals,askquestions,andunderstandtheir optionsbeforeanypaperworkbegins.
20-minuteconversationwithatrainedloan officer
Nocreditpullrequired
Leadstoapreapprovaloracustomplanto getready
PathwaysmayincludeUqualforshort-term coachingorareferraltoyouragencyformore comprehensiveguidance
Uqual
NewAmericanFunding'sindustry-leadingloan readinessprogramisoursolutiontohelpclient’s qualifyforamortgage Poweredbyourfinancial wellnesspartner,Uqual,weprovidesupportin crucialareassuchasenhancingcreditscores, optimizingdebt-to-incomeratios,savingfora downpayment,andmore.
Personalizedguidancefromloanreadiness experts
Budgetingtoolstohelptrackspending& savingforadownpayment
Intuitivedigitalportaltoeasilytrackprogress Idealforclientswhodon’tneedextensive counselingbutneedaclearnextstep
Over45%ofclientsenrolledinUqualfor3+months seeanaverage36-pointcreditscoreincreaseacross allthreebureaus,with14itemsremovedfromtheir creditreportsonaverage
Uqual’sImpactonRealPeople
InOctober2023,acustomerfromLansdale,PA, startedhisjourneywithUqualwithacreditscore of553,unsureifhecouldeverownahome.
Here’sabriefoverviewofhissuccessstory:
InitialConsultation:Identifiedinaccuraciesinhis creditreportandoutlinedimprovement opportunities.
CreditScoreBoost:Improvedhisscoreby65 pointswithinfourmonths,makinghimeligiblefor amortgage.
SuccessfulHomePurchase:Closedonhishome inMarch2024,fasterthanheeveranticipated AdditionalBenefits:Earneda$500lendercredit atclosing,thankstocompletingtheUqual program.
NYSDepartmentofFinancialServices NAFCashisfulfilledbyNAFCashLLCMIRealEstateBroker#6502431375,anaffiliatedrealestatecompanyofNewAmericanFundingthatismanagedandoperatedincompliancewith applicablelegalandregulatoryrequirementsNAFCashLLCdoesnotoriginateloansorissueloancommitmentsandchargesatransactionfeethatvariesbystateTermsandconditions applyNotallapplicantswillqualifyNotavailableinallstates41050W11MileRdSuite220,Novi,MI,48375Phone844-344-0531
ServicesdescribedinthiscommunicationareprovidedthroughUQUALLLC,aloanreadinesscompanyprovidingfinancialtools,loanreadinesscoaches,andcustomizedplanstoget consumersreadytoqualifyforaloanUQUALLLCisnotacreditrepaircompanyanddoesnotprovidecreditrepair,debtsettlement,legalortaxguidanceThisisnotmortgageadviceora commitmenttolendTherearenoguarantees,promises,representationsand/orassurancesconcerningtheresultsyoumayexperience Borrowermustoccupyhomeastheirprincipalresidence Anewloanwillrequireanewcreditcheckappraisal,titlesearch,initialmortgageinsurancepremiumclosingcostsandfeesConsult yourtaxadvisor