You're In Good Hands!

4.99/5 Based on 299 reviews

5/5

Tom

Transaction Completed:
2/4/2026

"?????????? ABSOLUTELY THE BEST — NO CONTEST I don’t hype people unless they truly deserve it, and Jeff Pappenfus is in a league of his own. I’ve known him for over 10 years, and this was our THIRD mortgage transaction with him—which should tell you everything! I’ve also personally referred 50+ friends and family members, and every single one has had a 5-star, stress-free experience. With 32+ years in the Minnesota mortgage market, his expertise is unmatched. He was amazing in every facet of the process—anticipating issues before they existed, explaining every option clearly, and executing with precision from start to finish. This is what true mastery looks like. What sets him apart is trust. When you work with Jeff, you know you’re being guided by someone who genuinely puts your best interest first and delivers exactly what he promises. That’s why I keep coming back—and why I confidently send everyone I care about his way. He treats everyone - BETTER THAN FAMILY! If you’re even considering another mortgage broker, you’re making it harder than it needs to be. Jeff is the gold standard in this industry and so many people can't be wrong!"

5/5

Derek Sutherland

Transaction Completed:
12/29/2025

""

5/5

Terri M.

Transaction Completed:
12/23/2025

"Thank you!!"

Montrose, MN

5/5

Joshua M

Transaction Completed:
12/23/2025

"Smooth process over all"

Lino Lakes, MN

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!

Housing News & Advice

These are the 10 Best States to Raise a Family in 2026

These are the best states to raise a family in for 2026. Read More

Mortgage Interest Rates Remain Low: Will Homebuyers Make a Move?

Mortgage interest rates continued to hover just above 6%, giving homebuyers a little financial breathing room as the spring housing market i... Read More

Fannie Mae and Freddie Mac: How They Make Homeownership Possible for Millions of Americans

Why are Fannie Mae and Freddie Mac so essential to the housing market? Keep reading to find out. 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

Jeff Pappenfus Sales Manager

About Jeff Pappenfus

Top Rated
Mortgage Lender

You're In Good Hands!