You're In Good Hands!

4.96/5 Based on 20 reviews

5/5

Rodniel

Transaction Completed:
5/11/2026

"The great thing was that my loan was approved. I am very happy with my home, which I am now enjoying together with my children and wife."

Houston, TX

5/5

Claudia

Transaction Completed:
5/8/2026

"The process was smooth , clear to close was obtained promptl. it was a great experience working with Johanna."

Pasadena, TX

5/5

Jose Angel

Transaction Completed:
5/8/2026

"They really know how to treat a customer and make them fill important"

Pasadena, TX

5/5

Melanie

Transaction Completed:
5/6/2026

"Their attention and support, capability of taking care of everything so you have a smooth and fastest process at least with us took more time but they help us to improve for the best of our loan, I loved Johanna and Maggie's help, attention and support."

Pasadena, TX

Refinance Calculator

Calculate your new monthly payment after refinancing.

calculate

Mortgage Calculator

Before you buy a house, calculate how much your payments will be.

get payment

How Much House Can I Afford?

Calculate the maximum home price you could afford.

how much

Amortization Calculator

See your payoff schedule with principal and interest payments.

get payoff

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 $6,000 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.

Get started today!

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.

Get Started Today!

Housing News & Advice

How to Buy a Home with 0% Down Using an FHA Loan

An FHA loan paired with a second mortgage or down payment assistance can be the difference between renting and owning you own home. Read More

Mortgage Interest Rates Climbed, But Remain Lower Than a Year Ago

Mortgage interest rates climbed this week, but remain lower than they were a year ago. Read More

Are Price Cuts on Homes Deals—or Red Flags?

While a home with with a slew of markdowns may be a red flag, it can also create an opportunity for homebuyers to negotiate a great deal. Read More

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.

Meet The Team

Johanna Valera

Loan Originator

NMLS #1306064

Tel: (832) 907-4602

Visit Website

Johanna Valera Loan Originator

About Johanna Valera

Top Rated
Mortgage Lender

You're In Good Hands!