Bill O'Neal Loan Consultant
- NMLS # 505778
- Direct:
  530-370-0622
- |
- Email:
  bill.oneal@nafinc.com
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About Bill O'Neal

My name is Bill O'Neal, I want you to have the best home loan experience possible w/over 20 years of lending experience and I am proud to work with the community on behalf of New American Funding. As a highly-skilled Loan Consultant, NMLS #505778, my goal is to provide the best customer service possible along with knowledgeable, unbiased advice.

Top Rated
Mortgage Lender

4.9/5 Based on 269,421 Reviews

NAF Cash Can Turn You into a Cash Buyer

Interact with our map to track cash
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.

Get Started Today!

Source: This dataset combines data from Public Records and MLS transactions. The data lists the number of all-cash purchases and the total number of home purchases nationwide including the most recent five quarters of data. (Cash purchase defined when a Property Sold record does not have a Mortgage Balance.) Data coverage is limited by available MLS coverage. Certain geographies like Georgia (especially Central GA), South Dakota and Vermont were impacted by this data availability. Land sales and manufactured (MFR) home sales are excluded from the dataset.

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!

Loan Products

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

30 Year Fixed Rate Mortgage

Steady monthly payments over a 30 year term.

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From the Blog

From Debt to DTI: The Real-Life Costs That Impact Home Affordability

Homeownership costs go beyond the mortgage—budget for repairs, maintenance, and unexpected expenses. Read More

How to Figure Out How Much Home Can You Afford

Unless you’ve already used a Home Affordability Tool or undergone a homebuying assessment, it may be difficult to figure out how much home y... Read More

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