Mortgage Loans | New American Funding

CLOSE FASTER WITH NAF CASH

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.

Lean How NAF Cash Works

No SSN required. Zero credit impact. It takes less than 1 minute.

Key Benefits

Make stronger, cash-backed offers

Close in as few as 10 days

No financing contingency needed

Seamless conversion to permanent financing

About your Loan Officer

Louis Garruto

Branch Manager

Lou Garruto NMLS #304810 is a trusted Branch Manager who is ready to make your dreams of owning a home a reality. Lou Garruto is committed to providing the community with the very best in customer service, so come speak with New American Funding today and learn how we can help you!

Customer Reviews

Our Customers Love Us!

5.0/5 Based on 71 reviews

I'm so grateful I use this mortgage team! Lou took the time to walk me through every number with such clarity—no jargon, no pressure,no surprises, just honest, patient guidance. Even after hours, Lou answered my calls and made sure I felt confident every step of the way. Buying a home is a big deal and they made it feel manageable. If you're looking for lenders who truly care NAF these are the ones.

5.0

Olugbodi Adegboyega

6/23/2026

Time frame and transparency in Numbers from the starts to the end.

5.0

ADEGBOYEGA O.

6/18/2026 Hopatcong, NJ

Transparency.

5.0

OLUWABUKOLA M O.

6/16/2026 Hopatcong, NJ

Supportive and efficient team

5.0

Nina A.

4/21/2026 West Orange, NJ

Lou and Annie made the process seamless

5.0

Anthony D.

4/18/2026 West Orange, NJ

Great communication with client as well as being punctual & efficient. Lou is very knowledagble and has no issues in thks transaction as he was awaiting for the closing and had our ctc well before closing date! GREAT JOB LOU!

5.0

Steven A.

3/31/2026 Ridgefield Park, NJ

everyone was attentive from beginning to end

5.0

Taisha G.

3/30/2026 Ridgefield Park, NJ

Me and my wife have heard so many times that \"you're not qualified now or wait until next year\" from the other mortgage lenders until we met Lou. Our real estate agent Johnny recommended him. Lou came through very big for us, he worked with us diligently until closing. He was very responsive to our questions and concerns, made the buying process easy for us to go through as first time home buyers. I look forward to recommend him to family, friends, co-workers, and others. Oh and I can't wait to work with him again. Thanks a million Lou!!!

5.0

Renald L.

7/26/2017 Roselle, NJ

5.0

Olugbodi Adegboyega

6/23/2026

Time frame and transparency in Numbers from the starts to the end.

5.0

ADEGBOYEGA O.

6/18/2026 Hopatcong, NJ

Transparency.

5.0

OLUWABUKOLA M O.

6/16/2026 Hopatcong, NJ

Supportive and efficient team

5.0

Nina A.

4/21/2026 West Orange, NJ

Lou and Annie made the process seamless

5.0

Anthony D.

4/18/2026 West Orange, NJ

5.0

Steven A.

3/31/2026 Ridgefield Park, NJ

everyone was attentive from beginning to end

5.0

Taisha G.

3/30/2026 Ridgefield Park, NJ

5.0

Renald L.

7/26/2017 Roselle, NJ

NAF News

Homebuyer Education

Here’s Where the Housing Market Is Headed in the Second Half of 2026

Housing News

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.

Get started with a custom mortgage rate quote today!

Louis Garruto

CLOSE FASTER WITH NAF CASH

Key Benefits

Louis Garruto

Branch Manager

Our Customers Love Us!

Homebuyer Education

Here’s Where the Housing Market Is Headed in the Second Half of 2026

Did Someone Die in the Home You Want to Buy? How to Find Out

States With the Lowest and Highest Property Taxes in 2026

The Pros and Cons of Reverse Mortgages for Older Homeowners

Get started with a custom mortgage rate quote today!

CLOSE FASTER WITH NAF CASH

Key Benefits

Louis Garruto

Branch Manager

Our Customers Love Us!

Homebuyer Education

Here’s Where the Housing Market Is Headed in the Second Half of 2026

Did Someone Die in the Home You Want to Buy? How to Find Out

States With the Lowest and Highest Property Taxes in 2026

The Pros and Cons of Reverse Mortgages for Older Homeowners

Get started with a custom mortgage rate quote today!

Stay One Step Ahead.