About James Hutchins
My name is James Hutchins, and I am proud to work with the community on behalf of New American Funding! With 9 years experience as a loan originator, NMLS #1273436, my goal is to provide the best customer service possible along with knowledgeable, unbiased advice.
Whether it's utilizing some of the equity in your home with a cash-out refinance, or a new home purchase, I would love to assist you in your journey!
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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.
Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.
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
Pennsylvania First-Time Homebuyer Guide
Dreaming of buying your first home in Pennsylvania but put off by the costs? As a first-time homebuyer, you could be able to access thousand... Read More
You're In Good Hands!
"James was excellent and extremely patient! He explained and answered all of my questions promptly and with the upmost expertise. This was my first time going through such a process and he made me feel comfortable with the knowledge and information he provided. James was always available through different modes of communication, which were text, email and phone. Towards the end, I was a little testy and he encouraged me to continue as I was so close to closing. He is flexible and I benefitted from his sound advice and help. He appeared to be honest and very trustworthy. I truly appreciated more than most his work ethic and his fidelity in guiding me towards making a decision that suited me. My credit score wasn’t good at all but he found something that suited my situation! Thanks James! :-)"
"James was an absolute pleasure to work with. He is caring, understanding and above all professional. I highly recommend James and his team! Top notch!"
"James communication through out the loan process."