About Ray Montanez

Ray Montanez NMLS #2091003 is a trusted Loan Consultant who is ready to make your dreams of owning a home a reality. Ray Montanez is committed to providing the community with the very best in customer service, so come speak with New American Funding today and learn how we can help you!

With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing.

#1 in Customer Satisfaction among
Mortgage Servicers!

- J.D. POWER

For J.D. Power 2022 award information, visit jdpower.com/awards.

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.

COMPETE WITH CASH BUYERS & WIN!

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.

Get Started Today

Loan Products

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

Cash Out Refinance

Turn your home's equity into cash.

Explore More Options

Meet The Team

From the Blog

Conventional 97 Loans In 2022: Qualifications, Description, and More

Learn about Conventional 97 loans in 2022. Get details, 97% loan to value loan options, qualification information and more from New American... Read More

As a First-Time Homebuyer - Can I Use My 401(k) For a Down Payment?

If you are a first-time homebuyer and considering using your 401k as a down payment on a home, there are some things to consider. Get the an... Read More

Read More Posts

Mission Statement: The New American Dream initiative combines hard work, integrity, a team effort, and continuous learning to increase the rate of Black Homeownership in America. Our purpose is to provide racial equity and build consumer confidence through home buying education, accessibility to credit, and mortgage industry career opportunity awareness to black communities.

We're Committed: At New American Funding, we believe in the power of Black Homeownership. We take great pride in creating opportunities for all communities and are committed to bridging the racial wealth gap. It's why we come to work each day.

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.