Give your homebuyers the competitive edge they need in today's housing market. NAF Cash allows qualified buyers to make non-contingent cash offers, helping them stand out from the competition and close on their home with confidence. Fast approvals, flexible terms, and the backing of New American Funding's trusted expertise.
Why settle for a home that's almost perfect? Our home renovation loans let you purchase and improve your property with a single mortgage. Finance both the home purchase and renovation costs together, turning your vision into reality from day one.
No SSN required. Zero credit impact. It takes less than 1 minute.
Key Benefits
Single loan for purchase + renovation
No need for separate construction financing
Up to 75% of after-renovation value
Licensed contractor network available
Build Your Dream Home with a One-Time Close Construction Loan
Stop managing multiple loans for your construction project. One-Time Close construction loans streamline the entire process from groundbreaking to move-in day. Lock your mortgage rate upfront, avoid multiple closings, and work with experienced construction lending specialists who guide you every step of the way.
No SSN required. Zero credit impact. It takes less than 1 minute.
Key Benefits
Single closing = lower costs
Rate lock during construction
No requalification needed
Transitions seamlessly to permanent loan
SELF-EMPLOYED? WE HAVE FINANCING SOLUTIONS FOR YOU
Traditional lenders often make it difficult for self-employed professionals and business owners to qualify for a home loan. Non-QM loans recognize that W-2s don't tell the whole story. Whether you're a freelancer, contractor, entrepreneur, or small business owner, we use alternative documentation like bank statements to prove your income and get you approved.
No SSN required. Zero credit impact. It takes less than 1 minute.
Key Benefits
Bank statement income verification
Self-employment friendly guidelines
No tax return requirements (on some programs)
Competitive rates for strong credit
About Me
Sarah Barajas
Sr. Mortgage Loan Originator
Customer Reviews
Our Customers Love Us!
4.9/5Based on 58 reviews
I don't think 10 on a scale of 1-10 is enough. Sarah made the entire process stress free, laid out and explained all option in detail and took care of everything quickly and efficiently. She is extremely comfortable and confident in her job and I can see why first hand!
5.0
Ashley P.
7/27/2026Columbia, TN
Sarah has a great personality and she's very knowledgeable and patient always willing to help and explain the process every step of the way, keeps you posted and in the loop at all times ?? her, totally recommend her to any one looking to buy a home especially first time buyers, friends & relatives absolutely ??
5.0
Nemecio T.
7/24/2026Lewisburg, TN
Sarah was reachable day and night and hung in there till the finish line! And was totally sweet and professional!
5.0
Linda W.
6/29/2026Whites Creek, TN
It wasn't on Sarah's begalf
5.0
William W.
7/4/2026Whites Creek, TN
Sarah was extremely communicative and helpful throughout the process. We can not thank her enough!!
5.0
Kirstyn B.
6/18/2026Spring Hill, TN
Sarah made the process so smooth and understandabl! She answered every question we had and me us feel so at ease with the process as first -time homebuyers!
5.0
Allison K.
5/3/2026Columbia, TN
Sarah made the overall experience great!
5.0
Jessica W.
5/5/2026Lewisburg, TN
easy process and very helpful explaining what we didn't understand
5.0
Steven W.
5/4/2026Lewisburg, TN
I don't think 10 on a scale of 1-10 is enough. Sarah made the entire process stress free, laid out and explained all option in detail and took care of everything quickly and efficiently. She is extremely comfortable and confident in her job and I can see why first hand!
5.0
Ashley P.
7/27/2026Columbia, TN
Sarah has a great personality and she's very knowledgeable and patient always willing to help and explain the process every step of the way, keeps you posted and in the loop at all times ?? her, totally recommend her to any one looking to buy a home especially first time buyers, friends & relatives absolutely ??
5.0
Nemecio T.
7/24/2026Lewisburg, TN
Sarah was reachable day and night and hung in there till the finish line! And was totally sweet and professional!
5.0
Linda W.
6/29/2026Whites Creek, TN
It wasn't on Sarah's begalf
5.0
William W.
7/4/2026Whites Creek, TN
Sarah was extremely communicative and helpful throughout the process. We can not thank her enough!!
5.0
Kirstyn B.
6/18/2026Spring Hill, TN
Sarah made the process so smooth and understandabl! She answered every question we had and me us feel so at ease with the process as first -time homebuyers!
5.0
Allison K.
5/3/2026Columbia, TN
Sarah made the overall experience great!
5.0
Jessica W.
5/5/2026Lewisburg, TN
easy process and very helpful explaining what we didn't understand
Get started with a custom mortgage rate quote today!
Your Path to Homeownership Starts Here.
No SSN required. Zero credit impact. It takes less than 1 minute.
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