James Young

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

Branch Manager

My name is James Young, and I am proud to work with the community on behalf of New American Funding. As a highly-skilled Branch Manager, NMLS #396523, my goal is to provide the best customer service possible along with knowledgeable, unbiased advice. With over 20 years of experience in the mortgage industry, I’ve had the privilege of helping countless individuals and families achieve their dream of homeownership. For me, this business isn’t ...

Customer Reviews

Our Customers Love Us!

4.9/5 Based on 292 reviews

We had an excellent experience working with James. From start to finish, he was professional, knowledgeable, and always available to answer our questions. Buying a home can be stressful, but James made the entire mortgage process smooth and easy to understand. He took the time to explain our options, kept us updated throughout the process, and worked hard to make sure we got the best outcome possible. His attention to detail and dedication truly stood out, and we always felt like we were in good hands. We would highly recommend James to anyone looking for a trustworthy and reliable mortgage broker. Thank you for all your hard work and for helping us achieve such an important milestone!

5.0

Louis Z.

8/1/2026 West Milford, NJ

The entire process was smooth from start to finish. Everyone was professional, responsive, and always willing to answer my questions. They kept me informed throughout the process, made everything easy to understand, and helped make what could have been a stressful experience much easier. I really appreciated their patience, communication, and dedication. Thank you to James Young, and Marie Pizza for helping us become homeowners!

5.0

ericbkny

7/31/2026

5.0

Eric A.

7/31/2026 Staten Island, NY

James was professional, knowledgeable, informative and communicative

5.0

Laura M.

6/25/2026 Summerville, SC

This is the best communication I have ever experienced with a lender not just with myself and the Buyer but with the Seller side as well.

5.0

Kelli Wheeler

6/10/2026

I have never had a lender in 10 years communicate that well with not only myself and my Buyer but with the selling side as well!

5.0

Kelli W.

6/10/2026 Summerville, SC

James Young and his team were excellent to work with. I highly recommend anyone in the market to use New American Funding. Made an unfamiliar process of buying a home very comfortable for me and guided me the whole way.

5.0

Paul Illuzzi

6/4/2026

James guided me through an unfamiliar process the whole way making me feel comfortable and at ease while I made the biggest decision of my life. I truly appreciate the help and will recommend this team to anyone I know in the market.

5.0

Paul I.

6/4/2026 Keyport, NJ

5.0

Louis Z.

8/1/2026 West Milford, NJ

5.0

ericbkny

7/31/2026

5.0

Eric A.

7/31/2026 Staten Island, NY

James was professional, knowledgeable, informative and communicative

5.0

Laura M.

6/25/2026 Summerville, SC

This is the best communication I have ever experienced with a lender not just with myself and the Buyer but with the Seller side as well.

5.0

Kelli Wheeler

6/10/2026

I have never had a lender in 10 years communicate that well with not only myself and my Buyer but with the selling side as well!

5.0

Kelli W.

6/10/2026 Summerville, SC

5.0

Paul Illuzzi

6/4/2026

5.0

Paul I.

6/4/2026 Keyport, NJ

NAF News

Homebuyer Education

Maximize Your Home Equity: How to Use a HELOC to Buy a New Home

Homeowners

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!

James Young

CLOSE FASTER WITH NAF CASH

Key Benefits

James Young

Branch Manager

Our Customers Love Us!

Homebuyer Education

Maximize Your Home Equity: How to Use a HELOC to Buy a New Home

What Is an FHA Assumable Loan? How It Works and Who Qualifies

The 10 Hottest ZIP Codes of 2026

How Do Lenders Verify Income on Mortgage Loan Applications?

Get started with a custom mortgage rate quote today!

CLOSE FASTER WITH NAF CASH

Key Benefits

James Young

Branch Manager

Our Customers Love Us!

Homebuyer Education

Maximize Your Home Equity: How to Use a HELOC to Buy a New Home

What Is an FHA Assumable Loan? How It Works and Who Qualifies

The 10 Hottest ZIP Codes of 2026

How Do Lenders Verify Income on Mortgage Loan Applications?

Get started with a custom mortgage rate quote today!

Stay one step ahead