St. Cloud , MN Mortgage Lenders
St. Cloud
4150 South Second St, Ste 325, St. Cloud, MN 56301
New American Funding – St. Cloud provides informed advice and mortgage lending services to homeowners and future homeowners. St. Cloud mortgage lenders takes their lead from our founders and owners Rick and Patty Arvielo who are passionate about helping homebuyers in the St. Cloud community and across the country realize their dream of home ownership.
Our dedicated team is proud to serve the people of St. Cloud, MN as a reliable mortgage bank from the loan origination stage to the actual funding. We serve clients of all backgrounds and believe St. Cloud is better off as a whole when more people purchase homes here and contribute to the fabric of our neighborhoods.
Come see what makes our elite St. Cloud team of underwriters and funders some of the best in the business at closing loans quickly and offering customer’s a positive experience.

Top Rated
Mortgage Lender
4.9/5 Based on 269,421 Reviews

Meet The Team
You're In Good Hands!
Holly Waldo
Transaction Completed:
5/27/2025
"Chad goes above and beyond to help others. He’s extremely knowledgeable and helpful. We were debating on refinancing or taking out a loan and he was still willing to help us even if it wasn’t through him. He reached out to others on our behalf if needed. I would highly recommend Chad being it a new home loan or refinancing."
Holly W.
Transaction Completed:
5/26/2025
"Chad is the best, he's extremely helpful and knowledgeable. Any questions you have he gets back to you right away. We were debating on a couple options refinancing or taking out a loan and he was willing to answer questions and help us even if we didn't do the refinance with him. He reached out to others on our behalf but kept us up to date with everything. It's always a wonderful experience working with Chad. Highly recommend."
Kelci R.
Transaction Completed:
5/24/2025
"The best to work with! Always answered any questions we had at anytime of the day!"
Dusty Kaskinen
Transaction Completed:
5/8/2025
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Buying in cash means convenience, certainty, and may mean cost savings too. In fact, buying in cash may help you save up to 11% over those using a traditional mortgage. With NAF Cash, you can make a competitive, true cash offer that is not contingent on financing and close in little as seven days without having to sell your current home first.
PATHWAY TO HOMEOWNERSHIP
Are You Ready?
At New American Funding, we believe that every person deserves a clear path to achieving their dream of homeownership. So, we created the Pathway to Homeownership initiative to alleviate some of your financial worries.
What is the Pathway to Homeownership Initiative?
The Pathway to Homeownership offers qualified borrowers in select areas up to $6,000 in assistance. These funds are not a loan that needs to be repaid and are available to first-time homebuyers in designated areas.
This program can also potentially be combined with other down payment assistance programs to offer you even more support as you build the life of your dreams.

Mortgage Calculators
Estimate your monthly payment, see how much house you can afford, and more!
New American Funding
St. Cloud
St. Cloud, MN 56301
Direct: (320)201-1356