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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

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.

Source: This dataset combines data from Public Records and MLS transactions. The data lists the number of all-cash purchases and the total number of home purchases nationwide in 2023. (Cash purchase defined when a Property Sold record does not have a Mortgage Balance.) Data coverage is limited by available MLS coverage. Certain geographies like Georgia (especially Central GA) and Vermont were impacted by this data availability. Land sales and manufactured (MFR) home sales are excluded from the dataset.

You're In Good Hands!

4.97/5 Based on 96 reviews

Jerome Culala

Transaction Completed:

"Jay Pena is excellent.He always go above and beyond with his clients.I think with people like him on your company will boost your sales and the likelihood to be referred by 200% Its one thing that he knows what his doing and its another thing to be passionate and timely about it. You cannot be upset by this guy his demeanor is very approachable but his knowledge is way beyond your expectation .A total asset for NAF and an absolute \"NAF\" (not a flop) This guy is the real deal!"

Hanford, CA


Transaction Completed:

"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


Transaction Completed:

"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


Transaction Completed:

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

Vacaville, CA

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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