Larry Garlutzo Photo

Larry Garlutzo Southern Nevada Area Manager

  • NMLS # 289076
  • 253 Reviews

About Larry Garlutzo

I moved to Las Vegas from Colorado with my wife Tanya and my two sons Niko (now 21yrs old) and Joseph (now 18yrs old) in 2003.  After working for many years in the Entertainment/Hospitality/Cruise Line Industry, I wanted to live in a place where I could still perform and still have the opportunity to develop a new career in a rewarding industry.  Las Vegas was the perfect choice for me and my family.    My mother was a long time Vice President with a Major Builder Lender and suggested that I may enjoy becoming a Loan Officer.    After attending loan officer school, I started working on the Builder team for a small correspondent lender.    Fast forward 19yrs, I finally found a company designed with the home owner and Loan officer in mind.   Our service and technology are the best in the industry.   As a direct lender we have the flexibility and capability to get the job done quickly.  I am a firm believer in excellent customer service, fast closings and offering the most competitive pricing. When working with myself and New American Funding you'll receive:

  • Professional advice and support in making your home financing decisions
  • A full spectrum of innovative loan products from which to choose
  • Consistent communication and follow up throughout the loan process from myself and New American Funding's in-house operations team
  • Industry leading close times
Please give me a call today for answers to any of your home financing questions.  I would be more than happy to offer my professional advice and help you close your loan fast.  

#1 in Customer Satisfaction
among Mortgage Servicers!


For J.D. Power 2022 award information, visit

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.

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.

Contact me today for more information!

Family playing on the couch together

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: or

Meet The Team

Larry Garlutzo
Larry Garlutzo

Southern Nevada Area Manager

NMLS #289076

Tel: (702) 331-8678

Visit Website
Stacy Mitchell
Stacy Mitchell

Loan Officer Assistant

Tel: (702) 331-8586

NAF Dream Logo

Mission Statement: The New American Dream initiative combines hard work, integrity, a team effort, and continuous learning to increase the rate of Black Homeownership in America. Our purpose is to provide racial equity and build consumer confidence through home buying education, accessibility to credit, and mortgage industry career opportunity awareness to black communities.

We're Committed: At New American Funding, we believe in the power of Black Homeownership. We take great pride in creating opportunities for all communities and are committed to bridging the racial wealth gap. It's why we come to work each day.

You're In Good Hands!

4.96/5 Based on 253 reviews


Transaction Completed:

"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."

Reno, NV


Transaction Completed:

"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!"

Henderson, NV


Transaction Completed:

"Larry, Stacy and New American team did an awesome job closing the transaction early."

Las Vegas, NV


Transaction Completed:

"He's very nice"

Las Vegas, NV
NAF Latino Focus Logo

Mission Statement: In 2013, New American Funding formed its own Latino Focus Committee. This purpose driven group works cohesively to enhance the quality of the lending experience among Hispanic consumers and aims to enrich the Hispanic community through homeownership. By mirroring the communities, we serve, we are able to increase sustainable Hispanic homeownership across America.


New American Funding

Las Vegas

8906 Spanish Ridge Ave, Ste 201
Las Vegas, NV 89148

Direct: 702-331-8678

Mobile: 702-355-3228


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