Erica Davis Photo

Erica Davis Sr. Loan Consultant

  • NMLS # 1239059

About Erica Davis

Originally from South Carolina, Erica is a graduate of the University of South Carolina and the University of West Florida. For the last 12 years, the Emerald Coast of Florida has been home to Erica and she loves the Panhandle life. 

Erica is married to husband Patrick and a mother to her children, Emmett, John and Alese. Erica is actively involved in her community; she is involved in her family home life and her kids sports activities.  Her family loves doing local activities from strawberry picking, spending the day at the river or beach, to boating and Cobia fishing in the beautiful Gulf of Mexico. She is a member of the women’s council of Realtors and young professional groups.  Erica loves working in financial services to help individuals and families meet their financing goals.  She has been in the banking and financial industry for over 10 years.  Her driving force is seeing how homeownership builds a lifetime of memories and financial wealth for families all over the South.  Her mission is to provide world class customer service and use her experience to become an integral part of your team during the home loan process.


As a prominent national lender, Erica provides a wide array of loan products for every need.  She specializes in VA loans, second homes, and investment property. 



Top Rated
Mortgage Lender

4.9/5 Based on 269,421 Reviews

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!

Family playing on the couch together

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: or

Loan Products

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

You're In Good Hands!


New American Funding

Niceville, FL

1177 E John Sims Parkway
Niceville, FL 32578

Direct: 850-590-8992


Get Directions