You're In Good Hands!

4.97/5 Based on 246 reviews

5/5

Michael R

Transaction Completed:
3/30/2026

"Denise answered questions 24/7. Explained things clearly. Made this process much easier than I had thought it would be. A BIG THANK YOU for everything."

North Fort Myers, FL

5/5

Steve Shortino

Transaction Completed:
3/27/2026

"Working with lender Denise Masnjak - New American Funding ~ A 5 STAR***** Manufactured Home specialist, was an exceptional experience from beginning to end. Denise is incredibly knowledgeable, patient, and genuinely committed to finding the best mortgage product & rates for her clients. She took the time to explain every step to my client's clearly, answered all their questions with care, and made the entire process feel smooth and stress-free. Her professionalism and attention to detail gave us all complete confidence throughout the journey. I’m truly grateful for her guidance and would highly recommend Denise Masnjak ~to anyone looking for a trustworthy, responsive, and dedicated mortgage lender. Steve Shortino - Hamilton-Franklin Realty"

5/5

Steven

Transaction Completed:
3/27/2026

"Working with Denise Masnjak ~A 5 STAR***** Manufactured Home specialist, was an exceptional experience from beginning to end. Denise is incredibly knowledgeable, patient, and genuinely committed to finding the best mortgage product & rates for her clients. She took the time to explain every step to my client's clearly, answered all their questions with care, and made the entire process feel smooth and stress-free. Her professionalism and attention to detail gave us all complete confidence throughout the journey. I’m truly grateful for her guidance and would highly recommend Denise Masnjak ~to anyone looking for a trustworthy, responsive, and dedicated mortgage lender. Steve Shortino - Hamilton-Franklin Realty"

North Fort Myers, FL

5/5

Courtney Pavelec

Transaction Completed:
2/14/2026

"Great amazing communication easy and made you feel very comfortable."

Loan Products

Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.

Conventional Loan

Down payments as low as 3%. Fewer restrictions than other loans.

Explore More Options

Refinance Calculator

Calculate your new monthly payment after refinancing.

calculate

Mortgage Calculator

Before you buy a house, calculate how much your payments will be.

get payment

How Much House Can I Afford?

Calculate the maximum home price you could afford.

how much

Amortization Calculator

See your payoff schedule with principal and interest payments.

get payoff

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.

Contact me today for more information!

NAF Cash Can Turn You into a Cash Buyer

Interact with our map to track cash
Purchase trends across the country

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.

Get Started Today!

Housing News & Advice

Trying to Save Money? Refinancing Your Home Loan May Help You Eliminate Your Mortgage Insurance

Lower mortgage interest rates may help homeowners lower their monthly payments and potentially eliminate mortgage insurance. Read More

The 28/36 Rule for Mortgages: Why You Need to Understand These Numbers Before Buying a Home

Lenders often use the 28/36 mortgage rule to ensure you can afford a home. You can also use this rule to set your own budget before you begi... Read More

How to Decide If It’s Time to Downsize Your Home

Here’s what homeowners should think carefully about if they’re considering downsizing. Read More

Company Culture

NAF360 is our commitment to 360 degrees of trust and respect

NAF360 is our strength of character. It starts with each of us and flows from one person to another. It’s the trust we build with our clients, an understanding we’re here to help. It’s our ongoing contributions to the local community, the assurance we extend a helping hand. NAF360 is felt in our offices, transmitted in every call, evident in every referral, and shines brightly in countless glowing reviews.

EXPLORE NAF CONNECT: A GAME-CHANGER FOR REAL ESTATE PROFESSIONALS

Your Gateway to Enhanced Real Estate Success

Unlock the full potential of your real estate business with NAF Connect, our award-winning platform designed specifically for real estate agents like you. Experience the ease of connectivity, visibility, and control over your transactions, anytime and anywhere.

Why Choose NAF Connect?

Enhanced Collaboration: Streamline processes with your loan officer to save time and secure more deals
Stay Informed: Gain real-time updates and transparency into every loan status, directly through your device
Marketing Made Easy: Leverage co-branded marketing materials to boost your presence and impress clients

Ready to elevate your real estate game?

Sign up for Free today and transform the way you do business! Join NAF Connect - Where Connectivity Meets Opportunity

Denise Masnjak Loan Consultant

About Denise Masnjak

Top Rated
Mortgage Lender

You're In Good Hands!