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James Capra Branch Manager
- NMLS # 973627
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Direct:
201-230-6431 - |
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Email:
james.capra@nafinc.com
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Already Started an Application? Click Here
About James Capra
James Capra NMLS #973627 is a trusted Branch Manager located in Toms River, NJ who is ready to make your dreams of owning a home a reality. James Capra is committed to providing the community with the very best in customer service, so come speak with New American Funding today and learn how we can help you!

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

You're In Good Hands!
Samuel James
Transaction Completed:
1/28/2025
"The Capra Team at NAF had to overcome many hurdles with my loan including barriers such as Daniel's Law. The team worked tirelessly to complete the loan in a timely fashion. 10/10 would recommend for future business."
Ayanna
Transaction Completed:
12/7/2024
"He worked with us every step of the way."
Destinie
Transaction Completed:
12/6/2024
"Communication and support"
Dana Maria
Transaction Completed:
11/29/2024
"James, Elo and Olga are absolutely amazing. I cannot say enough about them! From the first conversation I felt completely confident with James and his team. They answered questions at all hours of the day and night and weekends, I never felt alone. James and his team came through on their word and made the entire process seamless. We closed in less than 30 days. If you are looking to buy property James and his team are the only way to go, you will be so happy they are on your team. I will recommend James and his team to everyone and I look forward to working with them again in the future."
Loan Products
Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.
Mortgage Calculators
Estimate your monthly payment, see how much house you can afford, and more!
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 $7,500 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.

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.



From the Blog
Company Culture
NAF360 is our commitment to 360 degrees of trust and respect

Meet The Team

Our Mission and Vision
Our Mission:
To stand with the Black community by engaging with Black employees and consumers, offering ongoing cultural competency training, acknowledging historical challenges and systemic barriers faced by Black individuals, and using intentional language in our marketing efforts to empower Black clients in achieving homeownership.
Our Vision:
To shape a diverse and inclusive landscape for homeownership. Black Impact represents our commitment to taking direct, action-oriented steps to address credit accessibility and promote sustainable and equitable homeownership for Black individuals and communities. We recognize and celebrate the resilience, creativity, and leadership of Black communities in overcoming systemic obstacles and discrimination. By 2028, NAF is committed to providing $20 billion in home loans to the Black community.












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?
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Enhanced Collaboration: Streamline processes with your loan officer to save time and secure more deals
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Stay Informed: Gain real-time updates and transparency into every loan status, directly through your device
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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
Sign Up for FreeMission Statement: New American Funding (NAF) is an industry leader in culture, dedication to service, and lending to underserved communities. Through Latino Focus, the company identifies and addresses the challenges of Latino consumers in their pursuit of homeownership and to enhance the quality of their lending experience. We utilize education and awareness that aims to lift the community and build generational wealth through homeownership. By 2024, NAF is committed to providing $25 billion in home loans to the Latino community.












New American Funding
Toms River
Toms River, NJ 08753
Direct: 201-230-6431
Email: james.capra@nafinc.com
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