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

Steven Baker

Loan Consultant

My name is Steven Baker, and I am proud to work with the community on behalf of New American Funding. As a highly-skilled Loan Officer, NMLS #1998122, my goal is to provide the best customer service possible along with knowledgeable, unbiased advice.

Customer Reviews

Our Customers Love Us!

4.8/5 Based on 88 reviews

Steven was always there to answer our questions, very kind , definitely will work with Steven again!

5.0

Jordin Desirae G.

6/15/2026 Yuba City, CA

Steven and his team are very awesome and got me into the home of my dreams. Very helpful and informative. I would trust him through the process again.

5.0

Manny Gill

6/6/2026

Working with Steven and his team was very great due to the fact they moved on my needs very swiftly in order to purchase a home. He and his team were very informative and very pleasant to work with.

5.0

Manvinder Singh G.

6/6/2026 Yuba City, CA

A great experience makes it simple and understanding.

5.0

Mercedes Sheree M.

3/30/2026 Plumas Lake, CA

Steven Baker and his team made the loan process as one of easiest transactions my wife and I have ever experienced. I would recommend Steven and his team to all of my friends.

5.0

tristan ramirez

2/21/2026

Steven Baker and his team made the loan process as one of easiest transactions my wife and I have ever experienced. I would recommend Steven and his team to all of my friends.

5.0

Florence Bernal R.

2/21/2026 Sacramento, CA

and easy process, with great communication along the way. Highly recommend!

5.0

Koertney S.

11/11/2025 Rio Linda, CA

Everything was very smooth. Great communication. No issues at all. I would work with Steven again definitely.

5.0

Siriwut T.

10/15/2025 North Highlands, CA

Steven was always there to answer our questions, very kind , definitely will work with Steven again!

5.0

Jordin Desirae G.

6/15/2026 Yuba City, CA

Steven and his team are very awesome and got me into the home of my dreams. Very helpful and informative. I would trust him through the process again.

5.0

Manny Gill

6/6/2026

Working with Steven and his team was very great due to the fact they moved on my needs very swiftly in order to purchase a home. He and his team were very informative and very pleasant to work with.

5.0

Manvinder Singh G.

6/6/2026 Yuba City, CA

A great experience makes it simple and understanding.

5.0

Mercedes Sheree M.

3/30/2026 Plumas Lake, CA

Steven Baker and his team made the loan process as one of easiest transactions my wife and I have ever experienced. I would recommend Steven and his team to all of my friends.

5.0

tristan ramirez

2/21/2026

Steven Baker and his team made the loan process as one of easiest transactions my wife and I have ever experienced. I would recommend Steven and his team to all of my friends.

5.0

Florence Bernal R.

2/21/2026 Sacramento, CA

and easy process, with great communication along the way. Highly recommend!

5.0

Koertney S.

11/11/2025 Rio Linda, CA

Everything was very smooth. Great communication. No issues at all. I would work with Steven again definitely.

5.0

Siriwut T.

10/15/2025 North Highlands, CA

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!

Steven Baker

CLOSE FASTER WITH NAF CASH

Key Benefits

Steven Baker

Loan Consultant

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

Steven Baker

Loan Consultant

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.