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Oscar Reto Branch Manager
- NMLS # 505436
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Direct:
704-839-1978 - |
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Email:
oscar.reto@nafinc.com
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)
https://socialsurvey.me/pages/oscar-reto
Awards I am Proud Of:
Top 1%
Mortgage Originator in America
NAHREP
Charlotte Founder and First President
Scotsman
Guide Top Originator
NAHREP
top 250 Mortgage Originator
NAHREP
Charlotte Advisor 2025
LatinAmerican
Coalition board member
NAF President’s Council – Top Gun
Top Rated
Mortgage Lender
4.9/5 Based on 269,421 Reviews
You're In Good Hands!
Kristin Arp
Transaction Completed:
6/20/2025
"My husband I were first time buyers. Oscar and his team helped us so much through this process. They were consistently in contact with us, ensuring we understood the next steps and the requirements to complete those steps. They made our loan feel like their first priority and were easily accessible, day or night. I cannot recommend them highly enough!"
Kristin Nicole
Transaction Completed:
6/20/2025
"Oscar and his team made our home buying process so effortless. All information was upfront and his team wass was accessible at any time of the day. Oscar and his team made us feel like such a priority and we knew we were in good hands from the beginning."
Casa Garcia
Transaction Completed:
6/14/2025
"Very professional team."
Luis Fernando
Transaction Completed:
6/14/2025
"Always my pleasure work with Oscar Reto and He's team very professiona."
Loan Products
Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.
Mortgage Calculators
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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.
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.
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Company Culture
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EXPLORE NAF CONNECT: A GAME-CHANGER FOR REAL ESTATE PROFESSIONALS
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Why Choose NAF Connect?
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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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