Andrew Encinas Sales Manager
- NMLS # 1727107
- LMB # 100513042
About Andrew Encinas
New American Funding is a direct lender with personalized service. We provide underwriting, docs, and funding in house. This gives us a competitive advantage in speed, efficiency, pricing, and control. Our company is one of few lenders with a "Full Eagle" designation from HUD. Look to New American Funding for a higher level of expertise and service.
My goal is to provide a beneficial real estate financing experience for my client that is educational and easy to understand. I am a strategic resource for homeowners, first-time buyers, move-up buyers, senior citizens, real estate investors, Realtors®, builders, CPA’s and financial advisors.
I specialize in residential real estate purchase, refinance and home equity loans to assist clients with loan products including FHA, VA, Fannie Mae Home Path, Jumbo, Non Conforming portfolio products.
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.
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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
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
From the Blog
Tennessee First-Time Homebuyer Guide
Buying your first home in Tennessee is an exciting opportunity. Owning a home gives you your own space and is a reliable way to build genera... Read More
You're In Good Hands!
"He knows loans, cared for the client and has great response time to all parties. I would absolutely work with Andrew again! Hope to soon!"
"Easy and fast"
"Andrew was always available to answer our questions and kept us informed throughout the process. Andrew closed our Buyers home loan in 2 weeks!!! I highly recommend Andrew Encinas."
"This is my second time working with Andrew, and he has been wonderful. I would highly recommend him to anyone I knew looking to do a refinance or a new loan."