Thomas C. Phillips II Photo

Thomas C. Phillips II Sr. Loan Officer

  • NMLS # 159695

About Thomas C. Phillips II

My name is Thomas C. Phillips II. I was born in Louisville Kentucky, and I grew up in Silver Spring Maryland. I graduated from Towson State University in 1997. I worked in TV news for 2 years before deciding to go into sales. I’ve sold home theater equipment, gym memberships, and more. Finally, in 2004 I discovered the wonderful world of mortgage financing and that was it for me! Aside from God and family, there is nothing more satisfying for me than helping my clients achieve the American dream of home ownership by helping them obtain the best loan for their situation.


When it comes to providing a mortgage for your home, my goal is to identify your needs and offer a mortgage solution that meets your specific requirements with a seamless, transparent, and stress-free process. I always tell my clients that finding a good loan officer is like finding a good mechanic to fix your car.

Once you find that person you trust will look out for your best interests and not their own pockets, you should stick with them. My goal is to earn your business by earning your trust. I want to be your mortgage consultant for life. I will help you to purchase a home, and refinance at the right time and I will help you to use mortgage products as a tool to increase your cash flow and build generational wealth.


If you are looking for a stable and dependable company to facilitate your home financing or just an honest, hardworking person to find the right loan for your unique circumstances, Thomas C. Phillips II of New American Funding should be your first choice!

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!

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NAF Cash Can Turn You into a Cash Buyer

Buying in cash means convenience, certainty, and may mean cost savings too. In fact, buying in cash may help you save up to 11% over those using a traditional mortgage.* 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.

*According to a study from researchers at the University of California - San Diego, cash buyers have paid about 11% less than using a mortgage. Reher, Michael and Valkanov, Rossen, The Mortgage-Cash Premium Puzzle (September 24, 2021). Available at SSRN: or

Loan Products

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

NAF Dream Logo

Mission Statement: NAF Dream 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 2 reviews


Transaction Completed:

"The communication and timeliness was great"

Waldorf, MD


Transaction Completed:

"Thomas was great and very patient. He explained things to me in layman’s terms per my request"

Waldorf, MD

New American Funding

ILA - Charlotte - Purchase

2810 Coliseum Centre Drive, 5th floor
Charlotte, NC 28217

Direct: 301-323-8043


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