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Your Path to Homeownership Starts Here.
No SSN required. Zero credit impact. It takes less than 1 minute.
Loan Consultant
NMLS #2174114
Already Started an Application? Click Here
Give your homebuyers the competitive edge they need in today's housing
market. NAF Cash allows qualified buyers to make non-contingent cash
offers, helping them stand out from the competition and close on their
home with confidence. Fast approvals, flexible terms, and the backing
of New American Funding's trusted expertise.
Make stronger, cash-backed offers
Close in as few as 10 days
No financing contingency needed
Seamless conversion to permanent financing
The goal of homeownership is closer than you think. NAF's Pathway to Homeownership is a first-time homebuyer down payment assistance program that offers qualified first-time buyers up to $6,000 in assistance—with no repayment required. Whether you need help with your down payment, closing costs, or other upfront expenses, this program makes your first home more accessible. Plus, it can be combined with other assistance programs for even more support. Ask about down payment assistance in (state).
No SSN required. Zero credit impact. It takes less than 1 minute.
Up to $6,000 in down payment assistance (no repayment) For first-time homebuyers
Down payments as low as 3%
Stackable with other assistance programs
Traditional lenders often make it difficult for self-employed professionals
and business owners to qualify for a home loan. Non-QM loans recognize
that W-2s don't tell the whole story. Whether you're a freelancer, contractor,
entrepreneur, or small business owner, we use alternative documentation
like bank statements to prove your income and get you approved.
No SSN required. Zero credit impact. It takes less than 1 minute.
Bank statement income verification
Self-employment friendly guidelines

No tax return requirements (on some programs)
Competitive rates for strong credit
Monica Mira is a dedicated Loan Consultant with solid experience in home loan origination. Monica Mira, NMLS #2174114 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.
Had a great team helping me with this process, was laways kept in the loop, and all my questions were answered.
Monica had great communication with me and my client throughout the entire transaction. She was prompt and got my client to closing on time! My client was very satisfied her services. I will definitely continue to use Monica with future clients!
Monica and her team did an AMAZING job! The communication was excellent from start to finish, and the customer service was outstanding. Everything was handled professionally and promptly.
Working with Monica was an outstanding experience from start to finish. Communication was excellent throughout the entire transaction, and she kept everyone informed every step of the way. She and her team were knowledgeable, responsive, and always available to answer questions or address concerns quickly. Their professionalism, attention to detail, and dedication helped ensure a smooth closing. They worked diligently to keep the transaction on track and consistently put the client’s best interests first. As a REALTOR®, I truly appreciate partnering with lenders who are reliable, proactive, and committed to exceptional customer service. I look forward to working together again and would confidently recommend them to both clients and fellow real estate professionals.
Monica explained everything clearly and was always helpful when answering my questions. I will definitely recommend her to other first time homebuyers. I'm thankful I worked with her.
Monica was great to work with.
Monica did a great job from start to finish. She kept everything on track, communicated well, and made the loan process smooth for my clients. I'd definitely recommend working with her.
The experience and information I recieved and great communication
Had a great team helping me with this process, was laways kept in the loop, and all my questions were answered.
Monica had great communication with me and my client throughout the entire transaction. She was prompt and got my client to closing on time! My client was very satisfied her services. I will definitely continue to use Monica with future clients!
Monica and her team did an AMAZING job! The communication was excellent from start to finish, and the customer service was outstanding. Everything was handled professionally and promptly.
Working with Monica was an outstanding experience from start to finish. Communication was excellent throughout the entire transaction, and she kept everyone informed every step of the way. She and her team were knowledgeable, responsive, and always available to answer questions or address concerns quickly. Their professionalism, attention to detail, and dedication helped ensure a smooth closing. They worked diligently to keep the transaction on track and consistently put the client’s best interests first. As a REALTOR®, I truly appreciate partnering with lenders who are reliable, proactive, and committed to exceptional customer service. I look forward to working together again and would confidently recommend them to both clients and fellow real estate professionals.
Monica explained everything clearly and was always helpful when answering my questions. I will definitely recommend her to other first time homebuyers. I'm thankful I worked with her.
Monica was great to work with.
Monica did a great job from start to finish. She kept everything on track, communicated well, and made the loan process smooth for my clients. I'd definitely recommend working with her.
The experience and information I recieved and great communication
Your Path to Homeownership Starts Here.
No SSN required. Zero credit impact. It takes less than 1 minute.
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