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Exclusive Offer!
Up to $5,0001 in Savings

New American Funding is proud to partner with The O'Connor Group for an exclusive offer on top of our already great personalized service. As a O'Connor Group employee, you're eligible for extra savings when you buy your dream home or refinance your existing loan.

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Claim your $5,000 credit below¹

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Special Benefits

New American Funding offers these major advantages to The O'Connor Group employees:

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$5,000 Toward Closing

Get up to an extra $5,000 towards closing costs.1

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NAF Insurance

Bundle & Save: Home, Auto, Flood, and More with NAF Insurance.4

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NAF Cash

$500 Lender Credit using NAF Cash to make an all-cash offer.2

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NAF Concierge

Save 5+ hours and over $1,000 setting up utility and home service connections with NAF Concierge.3

Your Mortgage Professional: Wally Rutecki

I believe that a mortgage loan officer should have a strong commitment to helping people navigate the home loan process with confidence and ease. Before I got into the mortgage world, I've spent over 15 years as a firefighter and in customer service—so supporting others and building trust has always been second nature to me.

I understand that every client has a unique story and set of goals. Whether you’re buying your first home, refinancing, or exploring your options, I’m here to make the process straightforward and stress-free. I’ll always take the time to explain your options clearly, answer your questions, and be available when you need me.

I believe that getting a mortgage shouldn’t feel intimidating—it should feel like you’ve got someone in your corner. And that’s exactly what I aim to be for every client I work with.

Let’s connect and make your next move a great one!

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Wally Rutecki

NMLS # 1605136

Direct : (855) 814-1349

newamericanfunding.com

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Don't let interest rates keep you from homeownership!

You’ve found the right house, but you need help to make it yours. We’ve got you covered. Our unique seller-paid 3-2-1 Buydown program could save you money and lower your payment by 3% the first year, 2% the second year, and 1% the third year of your loan, giving you the financial flexibility you need!

That could mean more money in your pocket as you ease into homeownership and less stress with new homeowner finances. Contact us to learn how our 3-2-1 Buydown program can help you ease into your new mortgage!

Learn More

Want to Buy a Home? We Can Make It Happen!

From origination to funding, our loan process was designed to make your homebuying experience pleasurable and hassle-free. Here’s how we provide you with 5-star service:

  • Help determine your needs and goals
  • Walk you through the loan process
  • Simplify loan jargon
  • Explain loan program options
  • Share down payment assistance programs
  • Describe current interest rate environment
  • Assist with pre-approval
  • Provide constant updates
  • Get your loan closed fast

Get Started Today

Get Started Today

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By Clicking "Submit", I agree by electronic signature to:

  1. I am providing written instructions under the Fair Credit Reporting Act authorizing New American Funding (NAF) to obtain information from my personal credit profile or other information from a consumer reporting agency solely to conduct a prequalification for credit.
  2. Receive disclosures and communications about my loan inquiry and any loan that I obtain from NAF in electronic form.  I confirm I have access to a working computer and/or digital device where I can view and manage my information.
  3. I consent to NAF, its partners, and parties calling on their behalf to contact me at the number that I provided in the contact form above for marketing purposes, including through the use of email, automated technology, artificial or prerecorded voice, AI generative voice, and SMS/MMS messages.  I acknowledge my consent is not required to obtain any good or service, and that I can be connected with NAF without providing consent by calling (800) 890-1057.  I consent to be contacted even if my phone number or email address appears on a NAF Do Not Contact/Do Not Email list, a State or National Do Not Call Registry, or any other Do Not Contact/Do Not Email list.
  4. To the terms of NAF's Terms of Use and Electronic Consent Agreement.

By Clicking "Submit", I agree by electronic signature to:

  1. I am providing written instructions under the Fair Credit Reporting Act authorizing New American Funding (NAF) to obtain information from my personal credit profile or other information from a consumer reporting agency solely to conduct a prequalification for credit.
  2. Receive disclosures and communications about my loan inquiry and any loan that I obtain from NAF in electronic form.  I confirm I have access to a working computer and/or digital device where I can view and manage my information.
  3. I consent to NAF, its partners, and parties calling on their behalf to contact me at the number that I provided in the contact form above for marketing purposes, including through the use of email, automated technology, artificial or prerecorded voice, AI generative voice, and SMS/MMS messages.  I acknowledge my consent is not required to obtain any good or service, and that I can be connected with NAF without providing consent by calling (800) 890-1057.  I consent to be contacted even if my phone number or email address appears on a NAF Do Not Contact/Do Not Email list, a State or National Do Not Call Registry, or any other Do Not Contact/Do Not Email list.
  4. To the terms of NAF's Terms of Use and Electronic Consent Agreement.

Smart Moves Start Here.Smart Moves Start Here.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800-450-2010 Ext. 7100 for assistance.

Equal Hosuing Opportunity logo

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.

1Employees are eligible to receive a 1% lender credit up to $5,000 to be applied towards closing costs at closing. Terms and conditions apply. Not valid on all loan channels or loan programs. Subject to credit, income, and property approval. This is not a commitment to lend. Due to maximum seller concession rules applicable to purchase loan transactions, this discount could be less than $5,000 in some cases where other concessions have been made to the consumer.

2NAF Cash, LLC (“NAF Cash”) is a real estate company that is an affiliated company of New American Funding, LLC. All products and services supplied by NAF Cash are subject to state availability and contractual terms and conditions. NAF Cash does not originate loans or issue loan commitments. NAF Cash, LLC charges a Transaction Fee of 1.50%-7.5% of the purchase price for its service (fee varies by state and program). License numbers: MI Real Estate Broker #6505431332.

3NAF Concierge, LLC (“NAF Concierge”) is a home services company that is an affiliated company of New American Funding, LLC. All products and services supplied by NAF Concierge or its network of independent service professionals are subject to state availability and contractual terms and conditions.

4NAF Insurance Services, LLC (“NAF Insurance”) NPN 20666162, California License 6010426 is a licensed insurance agency that is an affiliated company of New American Funding, LLC. All insurance products and services are subject to state availability, issuance limitations, and contractual terms and conditions. Quotes are subject to approval by the insurance carrier.

If you received a letter from New American Funding and would like to be removed from our mailing list, please call 800-450-2010.

New American Funding makes customer service our number one priority. We encourage you to call our corporate customer service department at 800-450-2010 ext. 7100 between 8 am and 5 pm PST or email us anytime at customerservice@nafinc.com for any complaint resolution you may have regarding the origination of your loan.

© 2025 New American Funding, LLC. All Rights Reserved.

Corporate Office: 14511 Myford Road, Suite 100, Tustin, CA 92780.