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Ronika Htu Loan Consultant

  • NMLS # 2058523

About Ronika Htu

My name is Ronika Htu, and I am proud to work with the community on behalf of New American Funding. As a highly-skilled Loan Consultant, NMLS #2058523, my goal is to provide the best customer service possible along with knowledgeable, unbiased advice.

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

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.

Source: This dataset combines data from Public Records and MLS transactions. The data lists the number of all-cash purchases and the total number of home purchases nationwide in 2023. (Cash purchase defined when a Property Sold record does not have a Mortgage Balance.) Data coverage is limited by available MLS coverage. Certain geographies like Georgia (especially Central GA) and Vermont were impacted by this data availability. Land sales and manufactured (MFR) home sales are excluded from the dataset.

You're In Good Hands!

4.97/5 Based on 41 reviews


Transaction Completed:

"Ronika and her team did a great job. They followed up with communication and the closing date was met. Nice job. :-)"

Des Moines, IA

Erika Cithlaly Martinez

Transaction Completed:

"Truly recommend working with Ronika, she made the process smooth, simple & easy! Couldn’t be happier with her service, will definitely work with her in the future!????"



Transaction Completed:

"Ronika was easy to get into contact with and always reached out with questions. Even during the hiccups, she remained positive and supportive. The process was always explained and reasonings were discussed. She provided assistance even when it was out of her scope, making sure things were completed in a timely and accurate manner. Highly recommend her and the team for any mortgage experience!"

Des Moines, IA


Transaction Completed:

"Ronika definitely made the process smooth, easy & simple. She will always had the right answer for everything, guided us through the process & made us feel special!???? We truly appreciate her effort & dedication towards customers! Couldn’t be happier with her service!"

Des Moines, IA

New American Funding

West Des Moines

4401 Westown Parkway, ste 350
West Des Moines, IA 50266

Direct: 515-444-7903


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