Joe Schoney Loan Consultant
- NMLS # 121041
About Joe Schoney
Joe Schoney is a dedicated Loan Consultant with solid experience in home loan origination. Joe Schoney, NMLS #121041 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.
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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
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
Why Spring Remains a Prime Time for Homebuying in 2024
When the final days of winter give way to the early signs of spring in March 2024, it will be an opportune time for prospective homebuyers t... Read More
You're In Good Hands!
"Joe and his entire team were very pleasant to work with and extremally knowledgeable. They helped and explained things to me along the way. I was told by other lenders what I wanted to do was not possible! But it was. Joe and his team accepted the challenge and helped me make my dreams a reality. I am grateful to Joe and his team for everything they did to help me, and for going the extra mile."
"The team here is PHENOMENAL! I had a very unique situation, and had tried to get approved with two other lenders. They had our hopes really high and they came crashing down... luckily I had a great realtor (Rhonda with Sam Dobb team), who told me she had faith in Sue and Joe, and that if it were going to happen they would be the ones to make it happen. The whole team made our dreams come true, and made miracles happen and now my family is in a lovely home because of them! Without them I surely would have given up all hope! Buying a house is a hard process, but the lenders made this easy on us and made sure to walk us thru everything step by step. They are the DREAM TEAM in my eyes! Thanks so much to Sue and Joe for sticking it out and working so hard to get us into our dream home ?? ?? you guys have made a miracle happen for us and I will forever be thankful for you guys and would recommend them to ANYONE!!! 100/10!!!!!!"
"Joe and Sue are awesome! I super appreciate them helping us figure out the home buying process, especially as first time home buyers."
"He works very hard. Sometimes well in the early morning hours. Gets it done in time!"
New American Funding
St. George, UT 84770
Email: Joe.Schoney@nafinc.comGet Directions