Oscar Reto Photo

Oscar Reto Branch Manager

  • NMLS # 505436
  • 437 Reviews
MPA 5-Star Retail Lender

About Oscar Reto

18 years in the mortgage industry has given me the privilege to serve thousands of families with responsible, and affordable home loans. This experience has allowed me to assist first time homebuyers, and high net worth clients alike. Having an accounting degree has allowed me to better understand the needs of Self-Employed borrowers with complex tax returns. Now, I am using this experience to help Loan Officers grow their business, and have a fulfilling career. 

Two quotes that summarize my beliefs:

"Take care of your employees, and they will take care of your clients" 

"We don't just do loans. We are actually helping to build communities"


Self- employed borrowers. 

First Time Homebuyers

Investor Financing up to 10 properties 

Bilingual Loan Officer (Spanish)


Oscar Reto Reviews

4.98 /5.0

Based on 437 reviews

Mariam F. of Charlotte, NC for Oscar Reto

Transaction Completed: 7/1/2022

Oscar was very understanding of our circumstances with a short time frame that we had available. He explained every step and communicated well throughout our process for closing. Awesome lender rep!

Walter R. of Charlotte, NC for Oscar Reto

Transaction Completed: 6/30/2022

Good job. Phenominal service.

Yony A. of Rock Hill, SC for Oscar Reto

Transaction Completed: 6/26/2022

Very profesional with what they do

Yony Avila of , for Oscar Reto

Transaction Completed: 6/26/2022

They help me from the begining with process.to get loan they answer all my question they are very good i recomend them.


It's a seller's market, and cash buyers have the advantage, but you can still compete and win. To stay competitive as a homebuyer you need to become a CASH BUYER! That’s where Buyer Accepted, exclusively offered by New American Funding, can help.

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

Latino Focus Logo

Mission Statement: In 2013, New American Funding formed its own Latino Focus Committee. This purpose driven group works cohesively to enhance the quality of the lending experience among Hispanic consumers and aims to enrich the Hispanic community through homeownership. By mirroring the communities, we serve, we are able to increase sustainable Hispanic homeownership across America.


New American Funding

Charlotte - Ballantyne

13840 Ballantyne Corporate Place, Ste. 185
Charlotte, NC 28277

Direct: 704-815-4951

Mobile: 704-839-1978

Email: Oscar.Reto@nafinc.com

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