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James Young Branch Manager
- NMLS # 396523
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Direct:
646-418-3146 - |
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Email:
james.young@nafinc.com
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About James Young
My name is James Young, and I am proud
to work with the community on behalf of New American Funding. As a
highly-skilled Branch Manager, NMLS #396523, my goal is to provide the best
customer service possible along with knowledgeable, unbiased advice.
With over 20 years of experience in the mortgage industry, I’ve had the privilege of helping countless individuals and families achieve their dream of homeownership. For me, this business isn’t just about loans and paperwork ; it’s about people, relationships, and creating a clear path forward during one of life’s most important milestones.
I believe the mortgage process should feel less overwhelming and more empowering. That’s why I take the time to listen, explain options in plain language, and guide you step by step so you feel confident in every decision. Whether you’re buying your first home, upgrading to your dream home, or refinancing to make the most of your investment, my goal is to save you time, money, and stress while providing unmatched personal service.
Over two decades, I’ve built lasting partnerships with realtors,
builders, and clients who return again and again—because they know they can
count on me for honesty, clarity, and results. At the end of the day, my
greatest satisfaction comes from seeing families settle into the homes they’ve
worked so hard for, knowing I played a trusted role in making it happen.
Top Rated
Mortgage Lender
4.9/5 Based on 269,421 Reviews
You're In Good Hands!
Michael Galizia
Transaction Completed:
5/21/2026
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Michael
Transaction Completed:
5/21/2026
"Working with James was an excellent experience from start to finish. He was knowledgeable, responsive, and made the entire mortgage process feel smooth and stress-free. Every question was answered quickly and clearly, and he took the time to explain all of our options so we felt confident every step of the way. His professionalism, attention to detail, and dedication truly stood out. He kept everything moving efficiently through closing. I highly recommend James to anyone looking for a trustworthy and reliable mortgage broker."
Terry
Transaction Completed:
5/17/2026
"James was an absolute pleasure to work with and made the entire transaction feel stress-free from start to finish. He brought the perfect combination of knowledge, professionalism, and genuine care throughout the process, always taking the time to explain things clearly and make sure everyone felt comfortable every step of the way. His communication was excellent—always available, responsive, and proactive in keeping everything moving smoothly. What really stood out was his dedication to finding the best financing options while making the whole experience feel seamless and personal. His expertise, honesty, and attention to detail played a huge role in making this transaction such a success, and I would confidently recommend him to anyone looking for a mortgage broker they can truly trust."
Margaret Crowley
Transaction Completed:
5/5/2026
"James and the staff at NAF were excellent. I'm sure most people don't say the best/easiest part of purchasing a home is the mortgage process but I can honestly say that. James kept all the interested parties (i.e. realtor, lawyer) updated, gave me weekly updates even when nothing changed, walked me through how numbers when I wasn't quite sure what all the options were and made this a great experience. Everything went smoothly and there were 0 surprises. I wouldn't hesitate to recommend James and his team to anyone looking for a mortgage."
Loan Products
Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.
Mortgage Calculators
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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
Homeownership Initiative?
The Pathway to Homeownership offers qualified borrowers in select areas up to $6,000 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
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.
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Why Choose NAF Connect?
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Enhanced Collaboration: Streamline processes with your loan officer to save time and secure more deals
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Charlotte
Charlotte, NC 28277
Direct: 646-418-3146
Email: james.young@nafinc.com
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