Larry Garlutzo Photo

Larry Garlutzo Southern Nevada Area Manager

  • NMLS # 289076

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

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

Loan Products

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

Meet The Team

Larry Garlutzo
Larry Garlutzo

Southern Nevada Area Manager

NMLS #289076

Tel: (702) 355-3228

Visit Website
Stacy Mitchell
Stacy Mitchell

Loan Officer Assistant

Tel: (702) 578-0042

NAF Dream Logo

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!

4.96/5 Based on 259 reviews


Transaction Completed:

"Larry is great! Very helpful in finding the right information for me and getting my loan funded. Roberto was also excellent and extremely professional and knowledgeable!"

Las Vegas, NV


Transaction Completed:

"Larry and Michelle are the best and walked me through the process making it seamless! I will definitely recommend them to family, friends and strangers."

Henderson, NV


Transaction Completed:

"Nice working with you again"

Las Vegas, NV


Transaction Completed:

"Larry and his Team are always great to work with, I have recommended them to a few people that were looking to purchase homes including our daughters. I look forward to many years of continued partnership with them."

North Las Vegas, NV
NAF Latino Focus Logo

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

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

Direct: 702-355-3228


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