You're In Good Hands!

4.97/5 Based on 660 reviews

5/5

Kimberly

Transaction Completed:
1/27/2026

"Debra's communcation throughout the process was oustanding."

Newington, CT

5/5

Dyamon

Transaction Completed:
12/30/2025

"Everyone was helpful , knowledgeable and very welcoming"

Cheshire, CT

5/5

Tina

Transaction Completed:
12/27/2025

"Very happy to have a smooth transaction for our clients. Debra was fantastic and we closed on time."

Killingly, CT

5/5

Karl Gustav

Transaction Completed:
12/23/2025

"Derba Malcolm was instrumental in making sure I got all of the information in general and everything in on time. Super fast, super knowledgeable and very personable and an absolute pleasure to deal with. Nothing short of the best."

Middletown, CT

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.

Cash Out Refinance

Turn your home's equity into cash.

FHA

This mortgage loan allows for 3.5% down payment.

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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.

how much

Amortization Calculator

See your payoff schedule with principal and interest payments.

get payoff

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!

Housing News & Advice

The Fed Kept Interest Rates Steady. Will Mortgage Rates Remain in the Low 6% Range?

The U.S. Federal Reserve kicked off 2026 by keeping interest rates steady. How will that impact the housing market? Read More

The Mortgage Lock-In Effect Is Fading: Will More Affordable Homes Will Go Up for Sale?

Fewer homeowners with mortgages are “locked” into their homes due to super-low interest rates. Read More

It’s Financial Wellness Month: How Buyers Can Get Ready to Buy a Home

The beginning of the year can be a great time to step back, take stock, and get financially organized before the spring housing market heats... Read More

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

Debra Malcolm Sales Manager

About Debra Malcolm

Top Rated
Mortgage Lender

You're In Good Hands!