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Jay Pena Loan Consultant

  • NMLS # 448311

About Jay Pena

With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing. When working with me and New American Funding you'll receive:

  • Professional advice and support in making your home financing decisions
  • A full spectrum of loan products from which to choose
  • Consistent communication and follow up throughout the loan process from me and New American Funding's in-house operations team
  • Industry leading close times

Please give me a call today for answers to any of your home financing questions.
I would be more than happy to offer my professional advice. 

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: ssrn.com/abstract=3751917 or dx.doi.org/10.2139/ssrn.3751917

You're In Good Hands!

4.97/5 Based on 94 reviews
5/5

Julie

Transaction Completed:
9/21/2023

"The sellers were very difficult to work with and the Title company wasn't very informative. My loan consultant made sure to explain and help me through the process. He made contact with the title company and they would get in contact with me. He made sure everything went smoothly by doing all the extra steps needed."

Atwater, CA
5/5

Pia

Transaction Completed:
5/28/2023

"Jay was incredible to work with. He made sure we understood every step of the lending process and was always available to answer our questions. His knowledge & thoroughness made us feel like we were in good hands. We felt very cared for in the entire process. We couldn’t have asked for a better loan consultant and wholeheartedly recommend him to anyone looking for one."

Vacaville, CA
5/5

James

Transaction Completed:
5/28/2023

"Jay was hands on and helpful throughout the process. Highly recommended!"

Vacaville, CA
5/5

Khaled

Transaction Completed:
5/23/2023

"Good service quick respond"

Fairfield, CA
Location

New American Funding

Sacramento - Jong

1960 Del Paso Road, Suite 147
Sacramento, CA 95834

Direct: 415-244-9891

Email: Jay.Pena@nafinc.com

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