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"
Specialties:
Self- employed borrowers.
First Time Homebuyers
Investor Financing up to 10 properties
Bilingual Loan Officer (Spanish)
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
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.
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
Meet The Team
From the Blog
You're In Good Hands!
Adela
Transaction Completed:
11/12/2023
"the patience you had with me"
Maria
Transaction Completed:
11/11/2023
"Overall Oscar was helpfully on every step of the process."
Pablo
Transaction Completed:
11/7/2023
"Very good."
Adalinda
Transaction Completed:
11/3/2023
"Oscar is always on top of the transaction"
Mortgage Calculators
Estimate your monthly payment, see how much house you can afford, and more!
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.
New American Funding
Charlotte
Charlotte, NC 28277
Direct: 704-839-1978
Email: Oscar.Reto@nafinc.com
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