You're In Good Hands!

4.99/5 Based on 27 reviews

5/5

Valerie J S.

Transaction Completed:
6/30/2025

"James was always available and willing to answer all of our questions. He's extremely knowledgeable and easy to work with."

Saint Charles, MO

5/5

Timothy Smith .

Transaction Completed:
6/29/2025

"Exceptional Experience with James Gardner! I recently had the pleasure of working with James Gardner, and I cannot recommend him highly enough. From start to finish, James was incredibly informative and knowledgeable, clearly demonstrating a deep understanding of his field. He patiently answered all my questions, providing clear and concise explanations that made complex topics easy to understand. Beyond his expertise, what truly set James apart was his professional demeanor and genuine concern for the customer. He approached every interaction with a calm and respectful attitude, making me feel completely at ease. It truly felt less like a typical customer service interaction and more like receiving guidance from a trusted friend. James genuinely cared about my needs and went above and beyond to ensure I was satisfied."

5/5

Timothy C S.

Transaction Completed:
6/29/2025

"Exceptional Experience with James Gardner! I recently had the pleasure of working with James Gardner, and I cannot recommend him highly enough. From start to finish, James was incredibly informative and knowledgeable, clearly demonstrating a deep understanding of his field. He patiently answered all my questions, providing clear and concise explanations that made complex topics easy to understand. Beyond his expertise, what truly set James apart was his professional demeanor and genuine concern for the customer. He approached every interaction with a calm and respectful attitude, making me feel completely at ease. It truly felt less like a typical customer service interaction and more like receiving guidance from a trusted friend. James genuinely cared about my needs and went above and beyond to ensure I was satisfied."

Saint Charles, MO

5/5

Perry C.

Transaction Completed:
6/18/2025

"Communication throughout the process was maintained and all concerns were addressed in a timely manner."

Florissant, MO

Loan Products

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

30 Year Fixed Rate Mortgage

Steady monthly payments over a 30 year term.

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Refinance Calculator

Calculate your new monthly payment after refinancing.

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Mortgage Calculator

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

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How Much House Can I Afford?

Calculate the maximum home price you could afford.

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Amortization Calculator

See your payoff schedule with principal and interest payments.

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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!

From the Blog

What Are Comps in Real Estate? You Can’t Afford to Ignore Them

Short for “comparable sales,” comps are vital to understanding the market whether you’re selling, buying, or just keeping tabs on real estat... Read More

If You Need Help Funding Your Retirement, You May Want to Consider a Reverse Mortgage

Here’s what you need to know about reverse mortgages, including how they work and who might gain the most from them. 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

James Gardner Loan Consultant

About James Gardner

Top Rated
Mortgage Lender

You're In Good Hands!