Joseph Dugan Photo

Joseph Dugan Sr. Loan Officer

  • NMLS # 2145555

About Joseph Dugan

Joseph Dugan is a dedicated Sr. Loan Officer with solid experience in home loan origination. Joseph Dugan, NMLS #2145555 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.

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

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: or

Loan Products

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

NAF Dream Logo

Mission Statement: NAF Dream 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.

You're In Good Hands!

4.9/5 Based on 34 reviews

Secret Deasia Monae

Transaction Completed:

"Joseph was so amazing at communicating what was going on even in the most difficult situations he was always there to assist me."

Cleveland, OH


Transaction Completed:

"I think the world would greatly benefit from a few clones of Joseph, he has a great personality, he made me feel very comfortable about the whole process, he communicated the steps needed to become a home owner, if there was an issue I had, I would express that to Joseph and if he couldn't address the issue right away, he would get back to me almost immediately. The one thing I liked the most about Joseph is that we would have conversations that had nothing to do with the buying process, and that made a lasting impression on me. Again Joseph was a blessing to me, and I would recommend NAF, to family, friends and even strangers on the street talking about buying a home. Thank you All."

Beech Grove, IN


Transaction Completed:

"Y'all reached out to me immediately and was connected to Joseph in no time, I explained my situation and he assured me that new American funding had me covered. All of my wants that I asked Joseph have been met.. and then som.. Joseph kept me positive during the underwriters requirements , when I wanted to throw in the towel. I Thank Joseph and new American funding for all. May God bless y'all. Greatful.. German alejandre"

Richmond, TX


Transaction Completed:

"Joseph and Lee were responsive and patient. They worked hard and we were ready for closing a week ahead of time. They were clear in their communications. I really liked that Lee had an automatic email response that communicated when she was done for the day and would be back in the office. It really helped with the time zone difference. I use them myself when I'm off for a day or more, but not for the close of business . . . what a great idea for improving customer service. Nothing to complain about! Thanks NAF!"

Smyrna, TN

New American Funding

ILA - Detroit - CSR

41050 West 11 Mile Road, suite 100
Novi, MI 48375

Direct: 586-701-0234


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