You're In Good Hands!

5/5 Based on 18 reviews

5/5

Sarah

Transaction Completed:
1/1/2026

"Joni made everything easy from start finish. Answered every phone call and made our worries disappear by being on top of every issue that may may have came up. Would recommend Joni and her team to any family needing a new beautiful home. ??"

Westminster, CO

5/5

Brianna Bowers

Transaction Completed:
12/26/2025

"Joni was so great to work with on my recent transaction, her collaboration and efforts to get our clients into the home of their dreams was unmatched. I already have another client with her currently and I'm looking forward to getting to work alongside her once again!"

5/5

Brianna

Transaction Completed:
12/26/2025

"Joni was so great to work with on my recent transaction, her collaboration and efforts to get our clients into the home of their dreams was unmatched. I already have another client with her currently and I'm looking forward to getting to work alongside her once again!"

Northglenn, CO

5/5

Josh Reynolds

Transaction Completed:
11/18/2025

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Loan Products

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

Reverse Mortgage

Loan for homeowners 62 or over to use their home equity and reach their financial goals.

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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

Super Bowl LX Housing Showdown: Which Housing Market Reigns Supreme?

With the Seattle Seahawks and New England Patriots battling it out in Super Bowl LX, we wanted to take the competition off the field and int... Read More

Why Your Credit Score Keeps Changing and What Homebuyers Should Know

Here’s what causes shifts in your credit score. This is what you should watch for if you’re planning a home purchase. Read More

Saving for a Down Payment is Getting Easier—and Help is Available

Saving for a down payment has long been one of the biggest challenges for many aspiring homebuyers. Yet it may be getting a little easier fo... 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.

Meet The Team

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

Mission 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.

Joni Garcia Loan Consultant

About Joni Garcia

Top Rated
Mortgage Lender

You're In Good Hands!