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Kati O'Brian Sr. Loan Consultant

  • NMLS # 1666129

About Kati O'Brian

Kati O’Brian is Sr. Loan Consultant at New American Funding.  She has been a Loan Officer since 2017 and thrives on client connection. She specializes in VA/FHA Loans with an array of knowledge in multiple mortgage loan products.  Kati continues to stay proficient in the ever-evolving home mortgage industry with an arsenal of loan products for first-time home buyers to investment home buyers.

Kati is a lifelong native, born & raised on the beautiful Emerald Coast. She is dedicated to serving the community through local chambers, charities, and athletic organizations. Through her personal homebuying experience, she found her calling as a Loan Officer and made the resolution to help individuals and families achieve their goals of homeowning. Kati's top priority is to educate her clients who ultimately become friends and maintain personal connections throughout their experience in the loan process. She is dedicated to making sure you are understood, respected, and cared for well beyond your closing date! 

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: ssrn.com/abstract=3751917 or dx.doi.org/10.2139/ssrn.3751917

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!

5/5 Based on 13 reviews


Transaction Completed:

"Kati is knowledgeable, responsive & constantly updates the client and myself throughout the whole process. I would highly recommend her to all my clients, family and friends!"

Niceville, FL


Transaction Completed:

"Kati was fantastic through the entire process. She address every concern that I had (believe me I was very needy) and never made me feel as if I was burdening her."

Niceville, FL


Transaction Completed:

"Kati and team were very friendly, quick to respond and very knowledgeable with questions I had."

Navarre, FL

Vanessa Morales

Transaction Completed:



New American Funding

Fort Walton Beach

348 Miracle Strip Parkway Southwest, Ste. 17
Fort Walton Beach, FL 32548

Direct: 850-585-8440

Email: Kati.OBrian@nafinc.com

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