You're In Good Hands!

5/5 Based on 17 reviews

5/5

Sheetal Parekh

Transaction Completed:
1/28/2026

"I was recommended to Luis from a close family friend who is in real estate. Luis was amazing to work with while getting my loan. He was in constant communication throughout the process and answered all of my questions. He made himself available via email and text and often sent me updates without me even asking. He made the process so smooth during a stressful time. I definitely plan on using him again if I need another loan or refi and will recommend friends and family to him!"

5/5

Sheetal

Transaction Completed:
1/28/2026

"Luis was amazing to work with. He was constantly in communication via email and text and kept me up to date on the process along the way. He was avialable at anytime that I had a question and made the whole stressful process post-divorce manageable and easy. I would HIGHLY recommend Luis and will return if/when I need another loan."

Morgan Hill, CA

5/5

Ashley H

Transaction Completed:
1/20/2026

"We had a really great experience working with Luis to buy our first home. As first-time homebuyers, we had a lot of questions and didn’t always know what to expect, but Luis was always patient and took the time to explain everything clearly. He was very helpful throughout the entire loan process and always made himself available when we needed him. He kept us updated, answered all of our questions, and made sure everything stayed on track. Overall, we couldn’t have asked for a better experience. We are very thankful for all of his help and would definitely recommend Luis to anyone looking to buy a home."

5/5

Steven Ngo

Transaction Completed:
1/11/2026

"Absolutely fantastic experience having Luis Orbegoso as my lender. The service he has provided was phenomenal. Luis is patient, clear, and genuinely cared about finding the best option and guiding me through the entire process. Never had I felt lost throughout my home buying process. I would recommend Luis to anyone without hesitation. Truly top notch service."

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

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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.

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Housing News & Advice

Home Equity Loans Can Provide Much-Needed Cash: How to Choose the Right One for You

If you have built up equity in your home and are hoping to tap into it, you have a lot of options. There are a variety of home equity loans.... Read More

Here Are the Top 3 States Attracting New Residents–and the 3 States Where People Are Leaving

Here are the top states attracting new residents - and the ones that people are leaving. Read More

Buying a Home This Spring? Here’s How to Succeed in a Competitive Housing Market

If you plan to buy a home this spring, be prepared for fast sales, bidding wars, and competing with all-cash buyers. 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

Our Mission and Vision

Our Mission: To stand with the Black community by engaging with Black employees and consumers, offering ongoing cultural competency training, acknowledging historical challenges and systemic barriers faced by Black individuals, and using intentional language in our marketing efforts to empower Black clients in achieving homeownership.

Our Vision:
To shape a diverse and inclusive landscape for homeownership. Black Impact represents our commitment to taking direct, action-oriented steps to address credit accessibility and promote sustainable and equitable homeownership for Black individuals and communities. We recognize and celebrate the resilience, creativity, and leadership of Black communities in overcoming systemic obstacles and discrimination. By 2028, NAF is committed to providing $20 billion in home loans to the Black community.

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.

Luis Orbegoso Sr. Mortgage Loan Officer

About Luis Orbegoso

Top Rated
Mortgage Lender

You're In Good Hands!