Phillip Epps Photo

Phillip Epps Sr Loan Consultant

  • NMLS # 296825

About Phillip Epps

Phillip Epps is a dedicated Business Development Associate with solid experience in home loan origination. Phillip Epps, NMLS #296825 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.

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.

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.

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.

Contact me today for more information!

Family playing on the couch together

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: or

You're In Good Hands!

4.97/5 Based on 28 reviews


Transaction Completed:

"Had a great experience!"

poway, CA


Transaction Completed:

"Phillip! He answered every question, and concern that we had . He stayed in communication with me at a time when the market was uncertain and always kept me in the know as to how things proceeding with the process. I'm a New American customer solely because of having worked with Phillip on a previous loan. I have complete confidence on him and his team..."



Transaction Completed:

"He was very communicative and super quick to respond!"

Oceanside, CA


Transaction Completed:

"Phillip made it great, so knowledgeable, we felt so much more guidance and support than with a previous loan consultant we were working with. It was truly a great experience and will definitely refer friends and family to Phillip!"

Oceanside, CA

New American Funding

Chula Vista

690 Otay Lakes Rd., Ste. 100
Chula Vista, CA 91910

Direct: 858-342-4449


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