You're In Good Hands!

4.95/5 Based on 286 reviews

5/5

Craig

Transaction Completed:
6/13/2026

"Michelle is an excellent professional and is an asset to your firm."

Denver, NC

5/5

Thomas

Transaction Completed:
6/7/2026

"Michelle is as knowledgeable as she is personable. She took my specific needs and considerations into account and helped me make a decision I feel good about. Every time I speak with her, I feel like I'm catching up with a good friend."

ROCK HILL, SC

5/5

Robert

Transaction Completed:
5/26/2026

"EXCELLENT EXPERIENCE"

Charlotte, NC

5/5

Elizabeth

Transaction Completed:
4/27/2026

"Michelle walked my first time home buyer through the whole lending process seamlessly. There was clarity and not confusion; She offere creative support as we navigating win/win ways to make offers in multiple offer situations. Although my client qualified for conventional, we went with an FHA loan because it was the best for our client. I deeply apprecatiate her communication and availability with me throughout the whole process. Her integrity and expertise gained my respect, and I would 100% recommend her to another client."

Charlotte, NC

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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

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

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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.

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Housing News & Advice

Great, You’re Pre-Approved! Now It’s Time to Secure the Mortgage

Here’s what happens following receiving a loan pre-approval letter and how to avoid surprises before closing day. Read More

Build the Home You’ve Always Dreamed of with a Construction Loan

If you haven’t found a home that checks off all your boxes, don’t fret. With a construction loan, you may be able to design the home you’ve ... Read More

Mortgage Rates Fall to a Seven-Week Low

Mortgage rates eased this week, falling to their lowest level in seven weeks as homebuyer demand continued to edge higher. 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

Michelle Thula

Branch Manager

NMLS #1429332

Tel: (803) 348-5505

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Michelle Thula Branch Manager

About Michelle Thula

Top Rated
Mortgage Lender

You're In Good Hands!