Terry W. Keeton Photo

Terry W. Keeton Sr Loan Consultant

  • NMLS # 177494

About Terry W. Keeton

A Word from Terry… 

The purchase and financing of a home is often referred to as “the largest financial decision most people make”. It therefore makes sense that you choose a Mortgage Lender and a Licensed Mortgage Loan Officer that has its client’s best interest as its primary goal. You have found that with New American Funding and me. 

The benefits of doing business with a national firm such as New American Funding is that it has been around for over 20 years weathering any number of economic climates and conditions. Working with New American Funding therefore gives you the experience you need to be successful in any market condition. 

Considering the magnitude of the decision, it is surprising how uninformed the average person is with regard to the mortgage lending process. By in large however, it is simply due to the fact that it’s something you do only a handful of times in your life at most. I have always believed that the best service I can offer my clients is to educate them to the process and then to offer them the best service available. I therefore offer you my guidance in educating you with regard to all aspects of the home purchasing and home loan process.

I look forward to working with you and to helping you find the home mortgage solution that is best for you. No one will work harder to ensure your complete satisfaction! 

New American Funding has 100’s of loan options for you. Here are just a few:

Conventional Purchase & Refinance Loans                     

Conventional Renovation Loans

Jumbo Purchase & Refinance Loans                                

Bank Statement Loan Program

Investor Purchase & Refinance                                         

Investor Renovations Loans

FHA Purchase & Refinance Loans                                  

FHA 203(K) Renovation Loans

VA Purchase and Refinance Loans                                   

USDA Purchase and Refinance Loans

Texas Veteran Land Board Loans                                     

Foreign National Loan Program

First Time Homebuyer Loans                                             

ITIN Mortgage Loan Programs

Down Payment Assistance Programs                                

Low Cash Due at Closing Program

Loans available with credit scores as low as 500. Eligibility and qualification criteria are required.

Loan options with minimal to no out of pocket cost cash due at closing               

About Terry Professional…

Terry, through his educational background and over 40 years of top performing management and sales experience brings broad-based business expertise, in-depth knowledge and exceptional decision making and negotiating skills to his position as a Licensed Mortgage Loan Consultant with New American Funding. Terry has over 17 years’ experience in the mortgage and real estate related fields. He currently holds a Mortgage Loan Originator license (NLMS #177494) as well as a Texas Real Estate Commission REALTOR® license. (TREC® license # 800942)

 As an accomplished professional with award-winning experience, he provides the leadership, organizational, analytical, evaluative prowess and motivation necessary to ensure that he helps his clients find the home loan solution that is best for them based on their personal and financial goals.

 About Terry Personal…

Born in Beaumont, Terry is a native Texan and has always lived in Texas. As a small child Terry’s parents moved to the Metroplex and eventually settled in Garland. Terry got his primary education through the Garland school system, graduating from Garland High School. While in high school Terry was involved in a number of leadership activities and served as the president of the Garland Chapter of the Future Farmers of America where he received numerous awards. He raised both Angus and Charolais cattle winning Reserve Grand Champion and Grand Champion. Following high school Terry attended both Richland College and The University of Texas at Dallas. 

Terry has a diverse background of experience first serving as the manager of an antique warehouse importing antique furniture of England, Belgium, Denmark and France. This allowed Terry to travel internationally to England for purchasing of antiques for resale. He then was in the Oil and Gas business ultimately serving as founder and president of his own oil and gas development company, drilling numerous oil and gas wells in northwest Texas and West Virginia.Terry subsequently went into the automotive industry serving as a manager for a number of years.

The last 16 plus years Terry has been in the mortgage and real estate area. After college, Terry married his wife Sandra and they moved to Plano Texas where they still reside. They have two children, Matthew and Stefanie and have a grandchild. 

As a result of this background, Terry has an extensive knowledge of North Texas and has a proven track record of award-winning customer service.

Top Rated
Mortgage Lender

4.9/5 Based on 269,421 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!

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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 including the most recent five quarters of data. (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), South Dakota and Vermont were impacted by this data availability. Land sales and manufactured (MFR) home sales are excluded from the dataset.

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Mission Statement: NAF Black Impact is committed to increasing Black homeownership and helping to build generational wealth. Established in 2016, our mission is to provide racial equity and build consumer confidence in the communities we mirror. We achieve this through homebuying education, accessibility to credit, and mortgage industry career opportunities. Because we understand the hurdles Black borrowers face, we are well-equipped to help them achieve home ownership.

You're In Good Hands!

5/5 Based on 68 reviews


Transaction Completed:

"Terry Keeton was the loan officer for a real estate transaction I did. I found him to be available when I had questions. He was pleasant and easy to speak with. Very knowledgeable about his business."

Dallas, TX


Transaction Completed:

"Terry Keeton has been an intricate part of our real estate company's success with capturing potential clients. We have partnered with Terry to pre-qualify the leads/customers that visit our website. Once Terry has reached the potential client, we receive a message letting us know the outcome of the credit application and how to proceed. I also receive and read a much-appreciated Newsletter from Terry with the latest mortgage updates."

Dallas, TX


Transaction Completed:

"Terry is a multifaceted professional which enables him to bring his business expertise, management and award-winning achievements into every aspect of his business. Terry exhibits high integrity with every client. Through his creative approach to each individual’s situation, Terry consistently provides Great Results. I highly recommend Terry as a valued contact and recommend him to all my clients."

Dallas, TX


Transaction Completed:

"Terry is always on top of things and provides excellent service to our mutual clients. He is always very professional, creative, and smart. Terry has been a pleasure to work with."

Dallas, TX


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New American Funding


119 West Virginia Street, Ste. 304
McKinney, TX 75069

Direct: 972-979-4880

Email: terry.keeton@nafinc.com

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