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Richard LaMotte Sr. Loan Consultant
- NMLS # 337079
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Direct:
910-330-0219 - |
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Email:
richard.lamotte@nafinc.com
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About Richard LaMotte
With over 20 years of experience helping home buyers and homeowners throughout North Carolina, I understand that every borrower’s path to homeownership is unique. Whether you are purchasing your first home, investing in real estate, relocating, buying a second home, or exploring down payment assistance options, I provide personalized guidance to help you navigate the mortgage process with confidence.
My experience includes working with a wide range of financing options, including government loan programs, first-time home buyer solutions, investment properties, and specialized mortgage programs designed around your individual goals.
Specialized Mortgage Solutions for Those Who Serve & Care for Others - I am proud to assist qualified medical professionals and military families with mortgage solutions designed around their unique financial journeys.
Medical Professional Home Loan Programs
Healthcare careers come with unique challenges, from student loans and residency to career transitions and relocations. Specialized financing options may help eligible medical professionals achieve homeownership with benefits such as:
-Little to no down payment options
-No monthly PMI options
-Flexible qualification solutions for eligible borrowers
-Financing options for residents, fellows, and established professionals
Military Family Home Loan Solutions
I understand the importance of helping those who serve find the right path to homeownership. Qualified military borrowers may benefit from programs designed to make buying a home more accessible, including:
-VA loan options with eligible benefits
-Potential 100% financing options for qualified borrowers
-No monthly PMI requirements on eligible VA loans
-Flexible solutions tailored to military families
Your career, service, and financial goals are unique. Your mortgage options should be designed to support your journey. Contact me today to explore the mortgage solutions available for your next home purchase or refinance.
Top Rated
Mortgage Lender
4.9/5 Based on 269,421 Reviews
You're In Good Hands!
Laurie
Transaction Completed:
6/10/2026
"Richard and his team were amazing! Got the loan closed in 30 days seamlessly! They were very professional and knowledgeable. Highly recommend! Why wouldn't you use Richard LaMotte!!!"
Anna
Transaction Completed:
5/8/2026
"Richard is great at communicating with all parties in the transaction!"
David J
Transaction Completed:
5/5/2026
"Offere us with all options that we entitled to. Constantly provided us with feed back on loan"
Brianna I
Transaction Completed:
4/19/2026
"Richard was extremely helpful, very kind, and always explained things in a way for us to understand. As first time homebuyers, Richard made the process as smooth as possible for us and we couldn't be more grateful."
Loan Products
Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.
Mortgage Calculators
Estimate your monthly payment, see how much house you can afford, and more!
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.
Housing News & Advice
Company Culture
NAF360 is our commitment to 360 degrees of trust and respect
Meet The Team
Our Mission and Vision
Our Mission:
To stand with the Black community by engaging with Black employees and consumers, offering ongoing cultural competency training, acknowledging historical challenges and systemic barriers faced by Black individuals, and using intentional language in our marketing efforts to empower Black clients in achieving homeownership.
Our Vision:
To shape a diverse and inclusive landscape for homeownership. Black Impact represents our commitment to taking direct, action-oriented steps to address credit accessibility and promote sustainable and equitable homeownership for Black individuals and communities. We recognize and celebrate the resilience, creativity, and leadership of Black communities in overcoming systemic obstacles and discrimination. By 2028, NAF is committed to providing $20 billion in home loans to the Black community.
EXPLORE NAF CONNECT: A GAME-CHANGER FOR REAL ESTATE PROFESSIONALS
Your Gateway to Enhanced Real Estate Success
Unlock the full potential of your real estate business with NAF Connect, our award-winning platform designed specifically for real estate agents like you. Experience the ease of connectivity, visibility, and control over your transactions, anytime and anywhere.
Why Choose NAF Connect?
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Enhanced Collaboration: Streamline processes with your loan officer to save time and secure more deals
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Stay Informed: Gain real-time updates and transparency into every loan status, directly through your device
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Marketing Made Easy: Leverage co-branded marketing materials to boost your presence and impress clients
Ready to elevate your real estate game?
Sign up for Free today and transform the way you do business! Join NAF Connect - Where Connectivity Meets Opportunity
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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
Durham
Cary, NC 27518
Direct: 910-330-0219
Email: richard.lamotte@nafinc.com
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