PLATFORM TO BE PROUD OF
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 CORE VALUES
We are Stronger United | Lead With Integrity | Innovation Fuels Evolution | Pursue the Impossible | Execution Drives Success | People Come First.
WE HELP PEOPLE, NOT SHAREHOLDERS
Celebrating its 20th anniversary in 2023, NAF is the largest privately-owned, woman-owned mortgage company in the country. We maintain the soul and spirit of a small company. This allows us to be nimble and move quickly in adjusting strategy to counter market conditions, without consulting shareholders or investors.
NAF IS BUILT TO LAST
As the nation's largest private IMB, we have the financial strength structure to enable us to thrive in any environment. We carry zero debt on our $65.3 billion servicing portfolio, and we have the warehouse capacity to serve any and all borrowers.
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.
NAF IS NATIONWIDE
We have nearly 3,800+ employees spread across the country through more than 190 locations
who believe in our mission and provide industry-leading customer service to clients everywhere.
We also carry a 4.9 Zillow Rating and a 4.9 Experience.com Rating based on 257,000 reviews.
WE BELIEVE IN DIVERSITY
NAF has one of the most diverse workforces in the industry. 54% of our team is female, 41% are minorities, including 22% who are Hispanic, and 39% of the team are 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.
WE'RE EXPERIENCED
Our Senior 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.
WE'RE PROUDLY LED BY WOMEN
From Co-Founder and CEO Patty Arvielo to President Christy Bunce to EVP, Production Jan Preslo to so many others, NAF is proudly a woman-led company that has been repeatedly recognized for our leadership structure. NAF was honored multiple times as Best Workplaces for Women by Great Place to Work and was named a Top Employers for Women by Mortgage Women Magazine. We've won multiple Stevie Women in Business Awards, including Company of the Year and Fastest Growing Company. Christy was honored as Female Executive of the Year, while Patty was named Female Entrepreneur of the Year.
WE VALUE AND REWARD SUCCESS
We are committed to recognizing its top producers. Each year New American Funding's President's Council honorees are recognized with a luxurious trip to an exotic resort featuring first-class entertainment and plenty of celebration. Top Gun members are also eligible for expedited processing and operations support. Our top LOS also appears on the Scotsman Guide Top Originators lists year after year.
SERVING THE UNDERSERVED
- Latino Focus – For a decade, the Latino Focus initiative has increased sustainable Hispanic homeownership across the United States. By 2024, we are committed to providing $25 billion in home loans to the Hispanic community.
- NAF Black Impact – We believe in the power of Black Homeownership. It's why we are committed to lending $20 billion in new mortgages to Black borrowers by 2028.
NEVER LEFT ALONE
WE HAVE YOUR BACK
Every LO has the opportunity to partner with a Loan Officer Assistant, who provides critical support to LOs every day and throughout every stage of the loan. Our support gives LOs more time to focus on sales, grow their business, and enjoy life.
WE BELIEVE IN PROFESSIONAL GROWTH
We offer numerous mentorship opportunities, including the 360 Mentorship Program, in which NAF team members are matched with more experienced mentors who share their knowledge and aid in the mentee's professional development.
EXCEPTIONAL SUPPORT
NAF provides a transformational experience by utilizing Area Production Managers, who take
90% of loan-level issues away from the LO and manage the LO's pipeline to make sure every
loan is hitting all the necessary dates.
TOP-NOTCH OPERATIONS
We provide our LOs with support at every level from our robust in-house operations team. We offer localized underwriting, localized processing, an in-house condo approval team, enabling you to build your branch and area appraisal panel.
SPECIALTY TEAMS
In-house experts who turn lemons into lemonade, taking out the unnecessary red tape and
making difficult things easier, including condo, builders and renovation, appraisals
OFFERINGS NOT FOUND ELSEWHERE
Game-changing lock policy - float down opt - in - hold for transfer
WE MAKE IT EASY
Our Transition Team, along with Executive Management, works with you and your team to ensure you have all the tools, training, supplies, and support needed to produce a seamless transition.
HELP IS A CLICK AWAY
Have a question about a loan or situation? We have designated groups who are ready and willing to help at a moment's notice.
ANSWERS TO YOUR QUESTIONS
Have questions or need help? Get your answers ASAP from three full-service scenario desks - serving your Agency, Non-Agency, and Broker questions.
Say Yes More Often
Unique Programs
As a Direct Servicing Seller, NAF offers all the traditional loans, but is also able to offer unique programs that are specially designed for today’s homebuyers and homeowners, including:
- 5-Year Rate Protection Pledge – If rates drop, buyers can refinance into a lower rate with no repeat fees
- Pathway to Homeownership – Provides first-time buyers in select areas up to $8,000 in assistance
- Buydown Mortgage – Can reduce buyers’ first-year, second-year, and third-year payment rate
- I Can Mortgage – Customizable payment terms to meet buyers’ needs
- Adjustable-Rate Mortgage – Upfront savings with a lower introductory interest rate
- Home Improvement – Cash-out refinance, HELOC, FHA 203(k) loans, VA Reno
- Interstate Lending – Have a client moving to a new state? We specialize in these situations
- One-Time Close Loan – 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 may be
Cream of the Crop
Our Underwriting Department is the best in the industry. We make hard loans easy. We serve and understand the underserved market. We manually underwrite when necessary, including on all Agency loans.
No Middleman
We’re a direct seller to Fannie Mae, Freddie Mac, and Ginnie Mae, meaning little to no overlays.
We Help Those That Others Deny
No Minimum Fico on VA - 580 and above AUS approval on FHA no overlays - FHA/VA - Fico Scores from 500 to 579 at 90% LTV with AUS approval.
We Create Customers for Life
We service 97% of loans in house, which allows us to build customer loyalty and successfully navigate any market conditions.
We Know How to Succeed in Today’s Market
NAF Cash, an affiliated company of New American Funding, can turn your client into a cash buyer and put them in a great position to secure their dream home, maybe even for under the asking price. Buying in cash may help them save up to 11%* over those using a traditional mortgage.
We Do it All
NAF Reverse is one of the best reverse products and teams in the business! 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 LO’s with more exp to do both forward and reverse.
Our Policies are Unique
- No overlays with AUS Approval
- Pricing Flexibility
- No LO recaptures on EPO, EPD
- Appraisal transfers
*According to a study from researchers at the University of California - San Diego, cash buyers have paid about 11% less than using a mortgage. Reher, Michael and Valkanov, Rossen, The Mortgage-Cash Premium Puzzle (September 24, 2021). Available at SSRN: ssrn.com /abstract =3751917 or dx.doi.org /10.2139/ssrn.3751917
Build Your Brand
Partner with 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.
Multi-Pronged Approach to Supporting Your Success
- Google My Business optimization – We provide you with personalized Google My Business Page to help you be found online by local borrowers
- We provide LOs with a customized multi-layered website that features themselves, their branch, their offerings, helpful tips, housing news, and much more.
- We offer a marketing portal with an extensive library of materials to personalize and co-brand with real estate agent partners.
- Regionalized marketing support to help you grow your business
- Custom videos available to help you help your clients
Social For You
- 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 call to educate and train on social platforms
Personalized Marketing
We believe your past customers, friends and family are your sales force. We ignite your database through personalized marketing tools at least twice per month, including postcards, emails, market updates, and more.
Marketing Flexibility
Our compliance and marketing teams work together to ensure our salespeople’s marketing materials are what they need to be successful.
Up Your Game
Guidance From Our Top LOs
NAF Sharing Success – We offer monthly coaching calls with some of our best loan officers sharing stories of success and how they did it. Their successes can be your successes.
Insight from Leadership
One NAF Call – We conduct a quarterly call with leadership to discuss important corporate and industry updates and everything NAF is working on.
Annual Sales Coaching Meeting
Every year, we travel to an exciting location together to get insight and advice from some of the top coaches in the industry.
Local Buyer Connect
Local Buyer Connect supplements your current business and connects you with live purchase buyers in the early stage of buying a home. Through this program, NAF enables you to utilize a flexible system to establish the specific geographic area you would like to target and receive live prospects from only those areas.
Help Clients Help Themselves
If a client’s credit score isn’t quite high enough to qualify for a loan, we have partnered with Uqual to help coach them through the steps necessary to raise their score. And once they are loan ready, they’re transferred back to NAF and back to their original LO – you. Plus, if clients complete the loan readiness training, they are eligible for a $500 lender credit*.
We Support Your Growth
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 your business.
Take it to the Next Level
We provide comprehensive training on all areas of the mortgage business. Not an expert in a particular loan type? We can help with that! We’re here to provide the backing you need to reach your goals.
We’re in This Thing Together
At NAF, you’re never alone. We believe in constant collaboration between teams and divisions. There are no silos at NAF. We all work together to help each other succeed, including sales rallies that encourage teamwork and cooperation.
*$500 lender credit will be applied to closing costs at time of loan funding. Only available on new applications with New American Funding, not applications already in progress. Due to maximum seller concession rules applicable to purchase loan transactions, this credit could be less than $500 in some cases where other concessions have been made to the consumer. Please consult your loan officer with questions.
Stay Connected
Work the Way You Want to
Our proprietary CRM system and advanced mobile app gives you 24/7 access from anywhere. Manage your pipelines, commissions, email campaigns, accounting, marketing and so much more!
Be the Best Partner
We designed and built NAF Connect, a wholistic business portal, that gives your business partners complete transparency and visibility to all stages of a loan including milestones, status, conditions, and much more.
Increase Your Business
We offer countless customizable email campaigns that help convert leads to customers. Plus, insight into those campaigns’ effectiveness, including conversion rates and numerous other forms of reporting.
Be All You Can Be
Utilize our integrated sales tools, through our integrations with outside vendors. We also provide dedicated support and training teams to help you progress in your career.
The Tools You Need
- Dialed Broadcast - allows an LO to effectively engage with borrowers and potential recruits in a more streamlined fashion
- Loan Management - Review 1003 details, analyze all outstanding conditions for the file
- Prospect Management - Run credit, send a pre-approval, update their prospect status, etc.
- Agent Intelligence - MMI.Run – Search for local real estate agents to partner with, branches to contact, offices to connect with
- GoGo Home - Granting homeowners instant access to a custom co-branded app - track your borrowers’ activity on the app
Clients & Referral Sources for Life
Making Clients Part of Our Family
We proudly service 97% 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.
We Keep Our Customers Happy
NAF is one of the best mortgage servicer for client satisfaction. That’s critically important to retention of a growing servicing portfolio of more than 248,000 loans for $65.3 billion.
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
We Help You Succeed
We provide trigger leads by monitoring database for credit pulls, payoff alerts, and MLS listing alerts that are sent directly to our LOs, allowing them to capitalize on active leads ASAP.
Making it Simple
Escrow account transfers for refinances on serviced loans
NAF Homes
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. The real estate agents in the NAF Homes network are the cream of the crop, no weekend warriors allowed. They are vetted and proven to be the leaders in their market. Additionally, if clients use a NAF Homes partner agent, they may be able to save thousands on their closing costs.