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Get started with a custom mortgage rate quote today!
Your Path to Homeownership Starts Here.
No SSN required. Zero credit impact. It takes less than 1 minute.
About Me
Tonya Sample
Sales Manager
With over 17 years of experience in mortgage lending, I take pride in helping clients make confident, informed decisions about home financing.
I believe mortgage lending is about more than financing a home. It's about building relationships, providing honest guidance, and being a trusted resource long after closing.
Whether you're purchasing, refinancing, or exploring your options, I'm here to make the process simple, straightforward, and persona...
CLOSE FASTER WITH NAF CASH
Give your homebuyers the competitive edge they need in today's housing
market. NAF Cash allows qualified buyers to make non-contingent cash
offers, helping them stand out from the competition and close on their
home with confidence. Fast approvals, flexible terms, and the backing
of New American Funding's trusted expertise.
Key Benefits
Make stronger, cash-backed offers
Close in as few as 10 days
No financing contingency needed
Seamless conversion to permanent financing
YOUR PATHWAY TO HOMEOWNERSHIP STARTS HERE
The goal of homeownership is closer than you think. NAF's Pathway to Homeownership is a first-time homebuyer down payment assistance program that offers qualified first-time buyers up to $9,000 in assistance—with no repayment required. Whether you need help with your down payment, closing costs, or other upfront expenses, this program makes your first home more accessible. Plus, it can be combined with other assistance programs for even more support. Ask about down payment assistance.
No SSN required. Zero credit impact. It takes less than 1 minute.
Key Benefits
Up to $9,000 in down payment assistance (no repayment) for first-time homebuyers
Down payments as low as 3%
Stackable with other assistance programs
BUY, RENOVATE, AND FINANCE YOUR HOME IN ONE LOAN
Why settle for a home that's almost perfect? Our home renovation loans let you purchase and improve your property with a single mortgage. Finance both the home purchase and renovation costs together, turning your vision into reality from day one.
No SSN required. Zero credit impact. It takes less than 1 minute.
Key Benefits
Single loan for purchase + renovation
No need for separate construction financing
Up to 75% of after-renovation value
Licensed contractor network available
Build Your Dream Home with a One-Time Close Construction Loan
Stop managing multiple loans for your construction project. One-Time Close construction loans streamline the entire process from groundbreaking to move-in day. Lock your mortgage rate upfront, avoid multiple closings, and work with experienced construction lending specialists who guide you every step of the way.
No SSN required. Zero credit impact. It takes less than 1 minute.
Key Benefits
Single closing = lower costs
Rate lock during construction
No requalification needed
Transitions seamlessly to permanent loan
SELF-EMPLOYED? WE HAVE FINANCING SOLUTIONS FOR YOU
Traditional lenders often make it difficult for self-employed professionals
and business owners to qualify for a home loan. Non-QM loans recognize
that W-2s don't tell the whole story. Whether you're a freelancer, contractor,
entrepreneur, or small business owner, we use alternative documentation
like bank statements to prove your income and get you approved.
No SSN required. Zero credit impact. It takes less than 1 minute.
Key Benefits
Bank statement income verification
Self-employment friendly guidelines
No tax return requirements (on some programs)
Competitive rates for strong credit
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