The NAF Difference
What Sets Us Apart
Our culture sets us apart from all other mortgage companies. Founded in 2003 by the husband-and-wife team of Rick and Patty Arvielo, NAF has grown into a national mortgage powerhouse. Even with this incredible growth, the company considers itself a community and hires employees who also value authenticity, ingenuity, diversity, and ongoing education. Our Senior Leaders, various LO’s and operation leaders have an average NAF tenure of nearly 10 years and help guide our team in times of triumph and times of uncertainty. Transparency and vision from our executives provide clarity, leaving our entire team feeling empowered.
Honored Throughout the Industry
Great Place to Work Mortgage Bankers Association
Best Workplaces for Women
DEI Leadership Award for Organizational Diversity, Equity & Inclusion
8x Winner Scotsman Guide Top Originators
Core Values
We are Stronger United
Lead With Integrity
Innovation Fuels Evolution
Pursue the Impossible
Execution Drives Success
People Come First
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.
Build Your Brand
We believe your past customers, friends and family are your sales force. We ignite your database through personalized marketing tools, including postcards, emails, market updates, and more. Our CRM BONZO is a game changing tool and is the top in the Mortgage industry.
Build
Marketing Magic
NAF supports its 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 co-brand with real estate agent partners, ondemand customized videos, and much more.
One of the Country’s Strongest Brands
New American Funding is nationally recognized, and our status is only growing. People nationwide know what the company stands for and how we do business. That will help you open doors to new customers and new partners.
Website
We provide you with a customized multi-layered website that features you, your digital mortgage application, testimonials, product offerings, housing news, and much more. Once your client visits your page, we ensure they always find their way back to you!
Loan Officers Near Me
Optimized Google My Business
We provide you with a personalized optimized Google My Business page tailored to help you get found in local SEO search results. Our goal is to help you get seen by more potential clients.
Social Media
Enhance LO presence & relevance in social media with real-time postings to social media platforms
Complete social media support and training
Robust social media library to help connect you to referral partners, customers, and your network
Monthly calls to educate and train on social media platforms
Custom Video Creator
Grow your business with cutting edge video content. Each video can be easily cobranded to keep you and your real estate agent partners top of mind.
Short Codes
Create your custom short code to share with clients that allows them to access your digital application!
Local Market Update
With our monthly Local Market Update videos, you’ll have fresh and timely data-driven content to grow your business, including:
Key housing statistics for local market regions
Engaging videos updated monthly with the most current data
Download, post and share with your social network
Branded with your unique contact information
Easily co-branded to keep you and your real estate partner’s info top of mind
Free service to all our Loan Officers
Automated Post-Close Marketing Campaign
We Keep You In Focus
NAF keeps its LOs at the forefront before, during, and after the deal closes, for the life of the loan. LOs and their partners appear on mortgage statements for the life of the loan with customizable options. Other options include co-branded postclose email campaigns, co-branded mortgage statements, co-branded marketing, and co-branded closing cards.
Automated Post-Close Campaign
Greeting Cards
What’s Mailed?
Birthday Cards
Anniversary Card Highlights:
Option for loan officer to customize messaging
Co-branded with real estate agent partner.
Automated Post-Close Campaign
Drip Emails
What’s Included?
4 nurturing emails in year one
2-3 nurturing emails every year thereafter
Highlights:
Content like tips, articles, resources, etc.
Mortgage anniversaries and mortgage check-ups
Branding NAF, options, etc.
Automated Post-Close Campaign
Holiday Emails
Included Holidays:
New Year’s Day
Memorial Day
Independance Day
Labor Day
Veterans Day
Thanksgiving
Winter Holiday
Mortgage Statements
Throughout the year, your information is automatically added to a section of the mortgage statement for the life of the loan. Your real estate agent partners are also cobranded each quarter!
Company Apparal & Promo Store
Carry the brand with you to local events with a wide range of apparal and promo options! We offer warehouse/on demand items for smaller inventories and bulk orders as well!
Innovation Fuels Evolution
Driven by Technology
Our technology teams are the best in the industry. Their sole focus is on developing solutions that help ease the mortgage process for all involved.
Game-Changing CRM
With over 40 campaigns and 200+ quick reply templates, Bonzo stands out as the top CRM in the industry, transforming the way our LOs work. It streamlines client and referral partner engagement, helping attract, convert, and retain relationships effortlessly. Scale your conversations, amplify your voice with simplicity and automation, and connect authentically—all while earning more without working more!
Campaign Builder
Loan Management
Prospect Management
Messaging
Sly Dialing
Mass Texting
Connectivity. Visibility. Control.
We built NAF Connect, a business portal that gives your business partners complete transparency and visibility to all stages of a loan including milestones, status, conditions, and much more.
Features:
Client Management
Document Tracking
Loan Updates
Pre-Approval Letters
Maxwell: Empowering Your Success
We’ve partnered with Maxwell to enable LO success and arm you with the best tools to excel at your job. We’ve integrated the industry-leading point-of-sale system, providing a modern, user-friendly experience that seamlessly connects to Encompass.
Maxwell POS acts as your digital assistant throughout the workday. From application to closing, it eliminates the grunt work from loan origination, allowing you to focus on generating more business, exceeding borrower expectations, and outperforming the competition.
Features:
Improved loan application completion
Automated document collection
Enhanced support for referral partners
Triggered disclosures from Encompass
Embedded eClosing with SnapDocs
Coming Soon: NAF Hub
Our digital mortgage application takes the hassle out of the process for borrowers. Their information is captured in minutes and provided to you!
Features:
Mobile-First Design
Real-time Updates
Intuitive & Responsive Questions
Connected communication between Loan Officer and Real Estate Agent
Coming Soon: NAF Link
NAF Link is the next generation point of sale that will streamline the loan origination experience with intuitive and innovative technology and will enable Loan Originators to seamlessly convert more leads into closed clients.
Features:
Prospect Profile / Quick Add
Work Queues
Credit & Pricing
Integration with NAF Homes, NAF Hub, and Bonzo CRM
Powering Growth with Market Intelligence
Features:
Property Monitor
Get instant alerts when past clients list their homes.
Matchmaker
Connect with top agents doing similar deals in your area.
Agent Insights
Filter by city, volume, and past LO partnerships.
Tracking & Alerts
Auto-track agents and get same-day listing alerts.
Wallet Share
See agent business breakdowns and uncover new deals.
Borrower Tools
Stay engaged with Property Intelligence & Credit Monitoring.
MMI gives you the data and insights to build stronger agent relationships, grow your pipeline, and close more deals.
Featured Enterprise Third-Party Tools
MBS Highway
Empowering loan officers with market insights and analysis to make informed decisions.
ListReports
Simplifying the real estate transaction process with visually appealing and informative reports.
Mortgage Coach
Enhancing the borrower experience with interactive loan comparisons and presentations.
HomeBot
Keeping clients engaged with personalized home finance insights and market updates.
Building
Customers and Partners for Life
Servicing Portfolio
We proudly service approximately 90% of our Conventional and FHA/ VA loans in-house, so you can rest assured knowing your client is always receiving the highest level of customer service.
NAF is an award-winning servicer for client satisfaction.
Servicing Portfolio of more than 272,000+ loans for $71 billion.
Partner Concierge Team
We’re dedicated to providing friendly, high quality customer service to your partners. When you have your first transaction with a real estate partner, we’ll send them a personalized booklet that shows examples of all the co-branding capabilities we offer.
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, for the life of the loan. LOs and their partners appear on mortgage statements for the life of the loan with customizable options.
Co-branded post-close email campaigns
Co-branded marketing
Co-branded closing cards
Co-branded mortgage statements
Smarter Borrower Retention & Lead Generation
New American Funding has partnered with MonitorBase to give you exclusive market intelligence — helping you engage smarter and close more deals.
Stay Ahead with 3 Powerful Alerts:
Credit Improvement Alert – Know when past clients qualify for a new mortgage.
MLS & Rental Alert – Get notified when former clients list their home.
AI-Powered Predictive Alert – Identify mortgage needs before they happen.
Gain the competitive edge with smarter retention and lead generation—effortlessly!
Our affiliated company, NAF Homes, enables you to have your referral partners connected with motivated homebuyers and sellers who are pre-qualified and ready to purchase.
Retention Support
To retain our $71 billion servicing portfolio, we focus on staying connected with our customers via emails and phone calls on behalf of our LOs — you!
Emails
We tailor our messaging based on the loan types currently in demand. Our goal is to educate customers about the advantages of staying with the NAF family and encourage them to reach out to their Loan Officer. Each email features the LO’s name and cell phone number, ensuring we do our part to maintain customer loyalty.
Phone Calls
Our retention team ensures the client’s service is top-notch and offers various opportunities. In 2024 alone, the retention team successfully transferred over 10,000 clients to their Loan Officers from these calls.
Up Your Game
Guidance from our Top L.O.s
We offer monthly coaching calls with some of our best loan officers and industry leaders.
Stronger United — We conduct a quarterly call with leadership to discuss important corporate and industry updates.
Annual Sales Coaching Meeting
Every year, we meet to get insight and advice from some of the top coaches in the industry.
Want to advance in your career? That’s what we want, too. We love seeing our LOs grow and thrive. We provide support to help you grow your team and
We have partnered with Uqual to help coach your clients through the necessary steps to raise their credit scores. Once they are loan-ready, they’re transferred back to NAF and to you, their original loan officer!
Since the inception of this partnership, 939 NAF customers have returned to their NAF loan officer, loan-ready, after working with Uqual. Additionally, your customers receive a $500 lender credit towards their closing costs.
Say “Yes” More Often
NAF Pathway
Provides first-time homebuyers in select areas up to $6,000 in assistance
Buydown Mortgage
Can reduce buyers’ first-year, second-year, and third-year payment rate.
Home Improvement
Cash-out refinance, HELOC, FHA 203(k) loans, VA, and Renovation
Interstate Lending
Have a client moving to a new state? We specialize in these situations.
One-Time Close Loans
For new construction, a single loan covers property, construction, and mortgage.
Non-QM & Jumbo
We have a full suite of loans to fit borrowers of all shapes and sizes, no matter how unique their situation is.
Reverse Mortgage
Enables older homeowners to convert a portion of their home equity into cash.
ITIN
Client may qualify for a home loan using their ITIN number.
Bank Statement
Self-employed clients may qualify using bank statements or asset depletion
Ease of Underwriting
Our Stellar Underwriting Department is dedicated to finding funding solutions, including manually underwriting Fannie Mae and Government loan products.
Minimal overlays, ensuring a smoother process
Regional underwriting teams
Common-sense approach
Underwriters available on the Scenario Desk for complex cases
No Middleman
We’re a direct seller to Fannie Mae, Freddie Mac, and Ginnie Mae, meaning little to no overlays.
Buy Before They Sell!
Give your buyers the ultimate advantage with NAF Cash. Your clients can enjoy the certainty, convenience, and potential savings that come with being a cash buyer. Cash buyers could save more money over using a mortgage. NAF Cash will purchase your new buyer’s home with cash and sell it back to your buyer.
With NAF Cash Advance* from NAF Cash, an affiliated company of New American Funding, NAF Cash buys your client’s new home, then they buy it back using the proceeds from the sale of their previous home.Transform the home buying journey for your clients with NAF Cash, where they not only gain a competitive edge but can also unlock huge savings.
* Savings according to a study from researchers at the UC San Diego. The Mortgage-Cash Premium Puzzle (September 24, 2021). https://ssrn.com/abstract=3751917.
Reverse Mortgage
Our NAF Reverse team is one of the best in business, offering reverse options to fit your customer’s needs. Have a customer that needs a reverse mortgage? Refer them to our team and get paid while our local reverse specialist does all the work. We do allow loan officers with more experience to do both forward and reverse.
Renovation Loans
NAF offers a variety of Renovation products, including VA, FHA, FHA 203K, FNMA, FHLMC. Offer your customers options to make home improvements, or energy efficient upgrades; assist buyers convert a fixed upper to their dream home. Our specialized renovation team is here to help you and your borrowers through the renovation process.
One-Time Close
Help your clients build their dream home with a single loan. Securing financing to build a dream home has never been easier for your clients. With a One-Time Close loan from New American Funding, the money your client needs to purchase their property, pay for home construction, and secure their mortgage is all wrapped up in one single loan.
Close More Deals Faster with NAF Builder Advantage
• Dedicated Builder Operations Teams
• Long-Term Locks & Forward Commitments
• Builder-Focused Marketing & Resources.
• Advanced Buyer-Builder Database Management
• Direct Seller & Servicer Advantages
Condo Loans
NAF supports your Warrantable and Non-Warrantable Condo transactions with our expert team and comprehensive services:
Experienced Team: Over 30 years of Agency and Government Condo experience.
Fast Turnaround: 24-hour turn times on all Project Reviews.
In-House Underwriting: HUD-authorized for
Document Retrieval: Dedicated team for obtaining project documents.
TBD Project Reviews: Entertain reviews without a live loan (documents required).
Comprehensive Training: Training on all condo
TPOs
New American Funding offers local banks and credit unions the opportunity to refer loans to NAF under our TPO platform. We believe in establishing strong partnerships and are committed to helping you build long-lasting relationships in your communities.
Our Policies are Unique
No overlays with AUS Approval
Pricing Flexibility
Appraisal transfers
TBDS on all loans
Never Left Alone
Effortless Onboarding with Platinum Support
Joining NAF is seamless with our Platinum Onboarding Experience—a dedicated success team ensures you have everything you need for a smooth transition.
Your Transition to NAF
Before your Start Date
• Rebranding – Send your headshot for email signatures and business cards.
• CRM Contacts – Transfer your list with help from your Success Manager.
As Day 1 Approaches
• Equipment Delivery – Prepped and shipped in one box for easy setup.
• System Access – Initial login credentials and system details provided.
Make Your Life Easier
Our top-notch Operations team handles even the toughest situation with ease, allowing you to focus on what you do best — selling.
We offer regionalized underwriting, processing, and an in-house condo approval team, enabling you to build your branch and area appraisal panel. And we have in-house experts remove the unnecessary red tape and make difficult things easier, including condo, builders and renovation, appraisals.
Exceptional Support
We provide a transformational experience by utilizing Area Production Managers, who take 90% of loan-level issues away, which allows you more time to do what you do best: sell.
We Always Have Your Back.
Every LO can partner with a Loan Officer Assistant. This support gives LOs more time to focus on sales, grow their business, and enjoy life. Salary is covered by the region so the LO is only responsible for the LOA’s bonus.
Offerings Not Found Elsewhere
Our game changing lock policy offers a float-down option which gives borrowers the opportunity to take advantage of lower interest rates even if they’ve already locked their loan.
Answers to your Questions
Get your answers ASAP from three full-service scenario desks – serving your Agency, Non-Agency, and Broker questions.
A Platform to be Proud of
Culture is Crucial
NAF360 is our culture initiative that supports the goal of having happy employees who enjoy coming to work every day. NAF360 is at the core of our company, the heartbeat of our leadership, and at the center of our character. That culture has placed us on the Fortune 100 Best Companies to Work For list from 2022 to 2024.
We Believe in Diversity
NAF is proud to have one of the most diverse workforces in the industry, with 38% identifying as diverse, 53% as female, and 36% as Millennials. We won the MBA’s DEI Leadership Award for Organizational Diversity, Equity, and Inclusion. Newsweek also named NAF one of America’s Greatest Workplaces for Diversity. We’ve won countless awards from Profiles in Diversity Journal honoring our DEI achievements.
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 Hispanic personnel with 19% of their workforce being Hispanic. And by the end of 2028, NAF is committed to providing $10 billion in home loans to the Hispanic community.
They’ve served us, now we serve them. NAF Heroes is our initiative to increase homeownership and career opportunities for military servicemembers, 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.
Powered by Women
NAF is proudly a woman-led company that has been repeatedly recognized for our leadership structure.
Patty
Arvielo
Patty Arvielo has been a leader in the mortgage industry for nearly 40 years. She has worked her way up from the bottom rung and gained extensive knowledge of the entire industry along the way. Over the course of her career, she functioned in a variety of capacities, from underwriting to processing to her current role as Co-Founder and CEO of New American Funding.
Christy Bunce
As President, Christy is involved with every aspect of NAF’s business and has helped the company expand into the successful organization it is today.
Oahu, Hawaii
President’s Council
Annual Trip to a Luxury Destination
We Value & Reward Success
We are committed to recognizing its top producers. Each year New American Funding’s President’s Council honorees are recognized with an annual trip to a luxurious resort featuring first-class entertainment and plenty of celebration. Our top LOs also appear on the Scotsman Guide Top Originators and Mortgage Executive lists year after year.
Nassau, Bahamas
Cabo San Lucas, Mexico
Punta Mita, Mexico
Riviera Maya, Mexico
Partnership Branches
Entrepeneurs are welcome here
NAF gives business owners the support they need to succeed, plus unparalleled flexibility and transparency that you won’t find anywhere else. Your business, your way. Backed by the power of NAF.
