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
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.
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
You're In Good Hands!
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."
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."
James
Transaction Completed:
5/28/2023
"Jay was hands on and helpful throughout the process. Highly recommended!"
Khaled
Transaction Completed:
5/23/2023
"Good service quick respond"
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New American Funding
Sacramento - Jong
Sacramento, CA 95834
Direct: 415-244-9891
Email: Jay.Pena@nafinc.com
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