
Larry Garlutzo Southern Nevada Area Manager
- NMLS # 289076
- 4.5" class="star filled" aria-hidden="true">★
- 253 Reviews
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Direct:
702-355-3228 - |
-
Email:
larry.garlutzo@nafinc.com
About Larry Garlutzo
With over two decades of experience in the mortgage industry, I bring a wealth of knowledge and a proven track record of success to every client interaction. My journey began when I relocated my family to Las Vegas from Colorado in 2003, seeking a new career that would blend my passion for performance and hospitality with the rewarding world of home financing.
Having worked extensively in the Entertainment, Hospitality, and Cruise Line Industry, I understand the importance of exceptional customer service and the art of building lasting relationships. Transitioning to the role of a Loan Officer was a natural evolution, allowing me to leverage my background to offer clients a unique and personalized experience.
My experience is not limited to the mortgage realm alone. As a result of my tenure, I have honed top-tier management skills that empower me to lead teams effectively and navigate complex situations with ease. This expertise ensures that every client benefits not only from my industry knowledge but also from my ability to orchestrate seamless and efficient processes.
One of my defining strengths lies in my deep understanding of mortgage intricacies. Over the years, I've cultivated an in-depth understanding of various loan products, enabling me to provide tailored solutions that match individual financial needs. My commitment to staying updated with industry trends ensures that my clients receive the latest insights and options available.
Embracing technology has been a cornerstone of my career. I recognize its power to streamline operations and enhance the client experience. By harnessing cutting-edge tools and platforms, I offer a seamless, paperless, and user-friendly journey from application to closing. This emphasis on technology not only speeds up processes but also allows me to maintain consistent communication, keeping clients informed at every step.
In collaboration with New American Funding, a forward-thinking direct lender, I bring to the table a combination of excellence, innovation, and flexibility. Our shared commitment to rapid turnarounds and competitive pricing ensures that clients receive unparalleled service.
As a firm believer in the values of professionalism, client-centricity, and delivering on promises, I am here to guide you through your home financing journey. Reach out today to experience the difference that my expertise, management skills, mortgage knowledge, and technology-driven approach can make in achieving your homeownership dreams.

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









Company Culture
NAF360 is our commitment to 360 degrees of trust and respect.

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 $8,000 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.

NAF Cash Can Turn You into a Cash Buyer
Buying in cash means convenience, certainty, and may mean cost savings too. In fact, buying in cash may help you save up to 11% over those using a traditional mortgage.* 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.
*According to a study from researchers at the University of California - San Diego, cash buyers have paid about 11% less than using a mortgage. Reher, Michael and Valkanov, Rossen, The Mortgage-Cash Premium Puzzle (September 24, 2021). Available at SSRN: ssrn.com/abstract=3751917 or dx.doi.org/10.2139/ssrn.3751917
Loan Products
Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.
Meet The Team


Stacy Mitchell
Loan Officer Assistant
Tel: (702) 578-0042
From the Blog
Mission Statement: NAF Dream is committed to increasing Black homeownership and helping to build generational wealth. Established in 2016, our mission is to provide racial equity and build consumer confidence in the communities we mirror. We achieve this through homebuying education, accessibility to credit, and mortgage industry career opportunities. Because we understand the hurdles Black borrowers face, we are well-equipped to help them achieve home ownership.












You're In Good Hands!
Sasha
Transaction Completed:
5/24/2023
"Staff was very clear with requirements and responsive. They made the journey painless. Stacy Mitchell is so knowledgeable and thorough. I’d recommend your office to anyone buying a home."
Rachel
Transaction Completed:
5/16/2023
"Larry is on top of everything and very communicative, not to mention went above and beyond to get my clients preapproved over Easter weekend, would definitely recommend Larry!"
Paul
Transaction Completed:
4/29/2023
"Larry, Stacy and New American team did an awesome job closing the transaction early."
Jeonga
Transaction Completed:
4/26/2023
"He's very nice"
Mortgage Calculators
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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.












New American Funding
Las Vegas
Las Vegas, NV 89148
Direct: 702-355-3228
Email: larry.garlutzo@nafinc.com
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