You're In Good Hands!

4.98/5 Based on 803 reviews

5/5

Lilian Quiroz

Transaction Completed:
11/29/2025

"We had a really great experience working with Oscar Reto team they were very knowledgeable professionals great communication skills quick great solving situations closing in record time we love the Oscar’s Reto team highly recommended. Thank you so much Oscar Reto again."

5/5

Lilian Yanet

Transaction Completed:
11/29/2025

"Very professional,great communication,quick, they look for solutions,as much as they can the best team blessings to you all and keep it up the outstanding job??????????. we will highly recommend your team.!!"

Charlotte, NC

5/5

Yiny Aguilar

Transaction Completed:
11/28/2025

"Working with New American Funding, especially with Oscar, made the whole process incredibly smooth and stress-free. Everything was explained in a clear and simple way that made it easy to understand, even when it came to complicated parts like numbers, timelines, and closing steps. They were patient, responsive, and made me feel confident and supported from start to finish. I truly appreciated how professional, friendly, and efficient the experience was."

5/5

Yiny Fabiola

Transaction Completed:
11/28/2025

"Working with New American Funding, especially with Oscar, made the whole process incredibly smooth and stress-free. Everything was explained in a clear and simple way that made it easy to understand, even when it came to complicated parts like numbers, timelines, and closing steps. They were patient, responsive, and made me feel confident and supported from start to finish. I truly appreciated how professional, friendly, and efficient the experience was."

Lincolnton, NC

Loan Products

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

30 Year Fixed Rate Mortgage

Steady monthly payments over a 30 year term.

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Refinance Calculator

Calculate your new monthly payment after refinancing.

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Mortgage Calculator

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

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How Much House Can I Afford?

Calculate the maximum home price you could afford.

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Amortization Calculator

See your payoff schedule with principal and interest payments.

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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.

Contact me today for more information!

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

A Holiday Gift: Mortgage Rates Keep Falling

If you’re among the millions who could save money by refinancing their home loan or are considering buying a home, then you just received a ... Read More

Should You Time Buying a Home Around the Seasons? It Could Save You Up-Front Cash

Here’s how you can use the calendar to your advantage and close at a time when costs may be lower, timelines are generally faster, and selle... Read More

Buyer Be Warned: What Home Inspections Don’t Always Catch

Home inspections aren’t an ironclad guarantee against future repairs or costly surprises. 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

EXPLORE NAF CONNECT: A GAME-CHANGER FOR REAL ESTATE PROFESSIONALS

Your Gateway to Enhanced Real Estate Success

Unlock the full potential of your real estate business with NAF Connect, our award-winning platform designed specifically for real estate agents like you. Experience the ease of connectivity, visibility, and control over your transactions, anytime and anywhere.

Why Choose NAF Connect?

Enhanced Collaboration: Streamline processes with your loan officer to save time and secure more deals
Stay Informed: Gain real-time updates and transparency into every loan status, directly through your device
Marketing Made Easy: Leverage co-branded marketing materials to boost your presence and impress clients

Ready to elevate your real estate game?

Sign up for Free today and transform the way you do business! Join NAF Connect - Where Connectivity Meets Opportunity

Mission Statement: New American Funding (NAF) is an industry leader in culture, dedication to service, and lending to underserved communities. Through Latino Focus, the company identifies and addresses the challenges of Latino consumers in their pursuit of homeownership and to enhance the quality of their lending experience. We utilize education and awareness that aims to lift the community and build generational wealth through homeownership. By 2024, NAF is committed to providing $25 billion in home loans to the Latino community.

Oscar Reto Branch Manager

About Oscar Reto

Top Rated
Mortgage Lender

You're In Good Hands!