Joe Mincey Sr. Loan Officer
- NMLS # 204518
- Direct:
  704-368-3919
- |
- Email:
  joe.mincey@nafinc.com

About Joe Mincey

Joe Mincey is a dedicated Sr. Loan Officer with solid experience in home loan origination since 1994. Joe Mincey, NMLS #204518 is ready to meet the needs of the community and demonstrate why so many clients have put their trust in New American Funding over the years.

Throughout my career, I have helped thousands of homeowner's purchase their dream home, refinance to get a lower interest rate and/or monthly payment, shorten the time remaining to pay on their mortgage to pay off their home sooner, obtain cash-out for debt consolidation and/or home improvements, or build tax benefits that no one has shown them. My goal is to tailor a loan program that you're comfortable with and makes good financial sense for you and your family.

I know obtaining a home loan can be inconvenient and frustrating, however, I am committed to making your loan process as quick and painless as possible, with no surprises at closing.

In my spare time I enjoy playing guitar and spending time with my family.

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Mortgage Lender

4.9/5 Based on 269,421 Reviews

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 including the most recent five quarters of data. (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), South Dakota and Vermont were impacted by this data availability. Land sales and manufactured (MFR) home sales are excluded from the dataset.

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.

Loan Products

Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.

FHA

This mortgage loan allows for 3.5% down payment.

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Meet The Team

From the Blog

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Mission Statement: NAF Black Impact is committed to increasing Black homeownership and helping to build generational wealth. Established in 2016, our mission is to provide racial equity and build consumer confidence in the communities we mirror. We achieve this through homebuying education, accessibility to credit, and mortgage industry career opportunities. Because we understand the hurdles Black borrowers face, we are well-equipped to help them achieve home ownership.

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Your Gateway to Enhanced Real Estate Success

Unlock the full potential of your real estate business with NAF Connect, our award-winning platform designed specifically for real estate agents like you. Experience the ease of connectivity, visibility, and control over your transactions, anytime and anywhere.

Why Choose NAF Connect?

Enhanced Collaboration: Streamline processes with your loan officer to save time and secure more deals
Stay Informed: Gain real-time updates and transparency into every loan status, directly through your device
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Ready to elevate your real estate game?

Sign up for Free today and transform the way you do business! Join NAF Connect - Where Connectivity Meets Opportunity

You're In Good Hands!

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Mission Statement: New American Funding (NAF) is an industry leader in culture, dedication to service, and lending to underserved communities. Through Latino Focus, the company identifies and addresses the challenges of Latino consumers in their pursuit of homeownership and to enhance the quality of their lending experience. We utilize education and awareness that aims to lift the community and build generational wealth through homeownership. By 2024, NAF is committed to providing $25 billion in home loans to the Latino community.