{"id":38915,"date":"2024-01-08T08:14:03","date_gmt":"2024-01-08T08:14:03","guid":{"rendered":"https:\/\/mcclatchymh.wpenginepowered.com\/?post_type=reviews&#038;p=38915"},"modified":"2025-07-14T11:56:47","modified_gmt":"2025-07-14T16:56:47","slug":"new-american-funding","status":"publish","type":"reviews","link":"https:\/\/mcclatchymh.wpenginepowered.com\/reviews\/new-american-funding\/","title":{"rendered":"New American Funding"},"content":{"rendered":" <p class=\"wp-block-paragraph\">New American Funding is a one-stop shop for all your home lending needs. It serves prospective homebuyers from varying backgrounds through a diverse suite of mortgage products with competitive rates. Borrowers also receive personalized support beyond closing, even once payments commence. <\/p> <h2 class=\"wp-block-heading\">About New American Funding<\/h2> <p class=\"wp-block-paragraph\">New American Funding provides mortgage products to consumers with varying financial backgrounds, including the underserved. The lender opened its doors over 20 years ago and has since morphed into a top privately owned direct mortgage provider with more than 190 locations nationwide. <\/p> <p class=\"wp-block-paragraph\">Its team of experienced professionals understands that no two borrowers are unique. So, New American Funding offers various home loan products, valuable resources and a streamlined lending process to help bring your homeownership dreams to life. The lender also works tirelessly to create more homeownership opportunities for minorities, active-duty military personnel and veterans. <\/p> <h2 class=\"wp-block-heading\">Types of Loans Offered By New American Funding<\/h2> <p class=\"wp-block-paragraph\">Whether you\u2019re seeking a purchase, refinance or home equity loan product, New American can help.<\/p> <h3 class=\"wp-block-heading\">Home Purchase Loans<\/h3> <p class=\"wp-block-paragraph\">New American Funding offers a variety of mortgage products to meet your unique lending needs, including: <\/p> <ul class=\"wp-block-list\"> <li><strong>30-year fixed-rate mortgages: <\/strong>You\u2019ll get a fixed interest rate and predictable monthly mortgage payments over a 30-year term. <\/li> <li><strong>Conventional loans:<\/strong> These loans are accessible with a down payment as low as 3 percent. <\/li> <li><strong>I CAN mortgage: <\/strong>Borrowers can choose a loan term between 8 and 30 years. <\/li> <li><strong>Buydown loan:<\/strong> This mortgage product lets you lower the rate on your mortgage payment. <\/li> <li><strong>Non-QM loan:<\/strong> It may be a good fit if you can\u2019t get approved through traditional income verification methods. <\/li> <li><strong>Guest-House &#8211; ADU loan:<\/strong> Use it to fund the construction of a guest house on your existing property. <\/li> <li><strong>Adjustable-rate mortgage (ARM):<\/strong> These loans offer a lower introductory rate, making your mortgage payments more affordable for a set period. <\/li> <li><strong>Interest-only loan: <\/strong>It helps lower your monthly mortgage payments at the beginning of the loan. <\/li> <li><strong>Jumbo loan: <\/strong>You can use a jumbo loan to purchase a property exceeding the conforming loan limits set by the Federal Housing Finance Agency (FHFA). <\/li> <li><strong>One-time close construction loan:<\/strong> Build the home you\u2019ve always dreamed of with this loan product. <\/li> <\/ul> <h3 class=\"wp-block-heading\">Refinance Loans<\/h3> <p class=\"wp-block-paragraph\">If you want to refinance your current mortgage, here are your options: <\/p> <ul class=\"wp-block-list\"> <li><strong>Fixed-rate mortgage:<\/strong> It gives you a set interest rate and predictable monthly mortgage payments over the loan term. <\/li> <li><strong>Cash-out refinance: <\/strong>Replace your current mortgage with a new one that includes the equity you pull out. <\/li> <li><strong>FHA refinance:<\/strong> If you have an FHA loan, you can use this loan to reduce your interest rate and monthly mortgage payment. <\/li> <li><strong>VA interest rate reduction refinance loan (IRRRL): <\/strong>If you have a VA loan, it lets you refinance to lower your rate and payments. <\/li> <\/ul> <h3 class=\"wp-block-heading\">Government-issued Loans<\/h3> <p class=\"wp-block-paragraph\">These loan products feature a bit more flexibility compared to traditional mortgages: <\/p> <ul class=\"wp-block-list\"> <li><strong>FHA loan:<\/strong> Backed by the Federal Housing Administration, it requires a down payment of just 3.5 percent and a 580 credit score. <\/li> <li><strong>USDA loan: <\/strong>Borrowers buying in designated rural areas can access USDA loans without a down payment. <\/li> <li><strong>VA loan: <\/strong>These loans are reserved for active-duty military, veterans, and qualifying spouses and feature competitive rates with no down payment requirement. <\/li> <li><strong>FHA 203(k) loan:<\/strong> You can use it to bundle purchase and renovation costs into a single loan product. <\/li> <li><strong>Reverse mortgage:<\/strong> If you are at least 62, a reverse mortgage gives you a stream of income from your home equity without added debt. <\/li> <\/ul> <h3 class=\"wp-block-heading\">Home Equity Loans <\/h3> <p class=\"wp-block-paragraph\">You can leverage your home equity with a home equity line of credit (HELOC). You get access to a pool of cash, accessible as needed up to the credit limit. The line replenishes for continued use as you repay what you borrow until the draw period ends. <\/p> <h2 class=\"wp-block-heading\">Applying for a Loan with New American Funding<\/h2> <p class=\"wp-block-paragraph\">When you\u2019re ready to apply, familiarize yourself with the lending criteria, availability of loan products and the application process. That way, you\u2019ll know what to expect moving forward. <\/p> <h3 class=\"wp-block-heading\">Loan Requirements<\/h3> <p class=\"wp-block-paragraph\">Loan requirements vary by the mortgage product you select. It\u2019s worth noting that New American has home loans for diverse financial backgrounds. A smaller down payment, higher DTI or lower credit score may not be a barrier to homeownership. <\/p> <h3 class=\"wp-block-heading\">Availability<\/h3> <p class=\"wp-block-paragraph\">New American Funding is licensed to originate mortgages in all 50 states.<\/p> <h3 class=\"wp-block-heading\">Application Process<\/h3> <p class=\"wp-block-paragraph\">The loan process starts with a rate quote. Online inquiries take just three minutes and won\u2019t impact your credit score. Or you can call or visit a branch to receive live support. <\/p> <p class=\"wp-block-paragraph\">If you\u2019re pre-qualified for a mortgage, view potential loan offers, select the best fit, and formally apply with the lender. You\u2019ll need to submit personal and financial documents to the lender for review by the underwriting team. The lender will also request more information about the property. <\/p> <p class=\"wp-block-paragraph\">The final step is the closing, which can only occur once you receive a final approval. Also called a \u201cclear to close,\u201d it indicates you\u2019ve satisfied all the lender\u2019s conditions and can move forward with sealing the deal. <\/p> <h2 class=\"wp-block-heading\">Benefits of Choosing New American Funding<\/h2> <ul class=\"wp-block-list\"> <li><strong>Diverse portfolio: <\/strong>The lender features traditional, government-backed and unique mortgages with flexible terms, along with reverse mortgages and construction loans. <\/li> <li><strong>Non-traditional mortgages:<\/strong> There are also options for self-employed borrowers who cannot qualify with traditional income verification methods. <\/li> <li><strong>Rate transparency: <\/strong>The lender publishes rates online. <\/li> <li><strong>Online resources:<\/strong> Mortgage calculators and educational tools are available to enhance your knowledge. <\/li> <li><strong>Branch access: <\/strong>You can get in-person support nationwide at one of 190 branch locations. <\/li> <\/ul> <h2 class=\"wp-block-heading\">Areas for Improvements for New American Funding<\/h2> <ul class=\"wp-block-list\"> <li><strong>Website: <\/strong>At first glance, the website can be overwhelming as there is loads of information to sift through. <\/li> <li><strong>No online chat feature: <\/strong>Customers must call or visit a physical branch to connect with a loan officer. <\/li> <\/ul> <h2 class=\"wp-block-heading\">Where New American Funding Stands Out<\/h2> <p class=\"wp-block-paragraph\">Beyond the benefits already mentioned, here are some other reasons why New American Funding stands out amongst the competition: <\/p> <ul class=\"wp-block-list\"> <li><strong>Fast closings:<\/strong> Many transactions come with a 14-business-day closing guarantee. <\/li> <li><strong>5-Year rate protection pledge: <\/strong>New American Funding will refinance your loan without assessing an appraisal or lender fee if your rate drops within five years. <\/li> <li><strong>Pathway to homeownership: <\/strong>It\u2019s an initiative for first-time homebuyers that features a down payment grant and flexible income guidelines and requires a credit score of just 620.<\/li> <li><strong>NAF cash: <\/strong>This program makes moving into your new home easily even if you haven\u2019t sold your current one. <\/li> <\/ul> <h2 class=\"wp-block-heading\">Is New American Funding Worth It?<\/h2> <p class=\"wp-block-paragraph\">New American Funding is a viable option for first-time homebuyers, underserved borrowers and those with unique financial situations. It\u2019s also ideal if you like the idea of a digital lending experience but with in-person support available if needed. <\/p> <p class=\"wp-block-paragraph\">You also get peace of mind knowing you\u2019re doing business with a reputable, BBB-accredited lender with over 20 years of experience. Still, it\u2019s worth shopping around and comparing loan offers before deciding if this lender is the best fit for you. <\/p> <h2 class=\"wp-block-heading\">How to Get Started with New American Funding<\/h2> <p class=\"wp-block-paragraph\"><a href=\"https:\/\/mcclatchymh.wpenginepowered.com\/recommends\/mortgage\/new-american-funding\/\" target=\"_blank\" rel=\"noreferrer noopener\">Visit the New American Funding website to request a free rate quote<\/a>, or call 800-890-1057. You can also visit a branch if you\u2019d like to speak with a loan officer before applying for a mortgage.<\/p> <h2 class=\"wp-block-heading\" id=\"h-faqs-about-new-american-funding\">FAQs About New American Funding<\/h2> <div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1705565731898\"><strong class=\"schema-faq-question\">Is New American Funding a real company?<\/strong> <p class=\"schema-faq-answer\">Yes. New American Funding operates in all 50 states, with over 190 branch locations nationwide. It also services a portfolio of more than 251,000 loans worth more than $66 billion.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1705565742841\"><strong class=\"schema-faq-question\">What type of lender is New American Funding?<\/strong> <p class=\"schema-faq-answer\">The lender is one of the nation\u2019s leading privately owned direct mortgage lenders.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1705565754097\"><strong class=\"schema-faq-question\">Who are the owners of New American Funding?<\/strong> <p class=\"schema-faq-answer\">It\u2019s owned by co-CEOs Rick and Patty Arvielo.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1705565766069\"><strong class=\"schema-faq-question\">Where is New American Funding based?<\/strong> <p class=\"schema-faq-answer\">New American Funding is headquartered in Tustin, California.<\/p> <\/div> <\/div> ","protected":false},"excerpt":{"rendered":"<p>New American Funding features an assortment of home lending solutions and valuable incentives that make it worth considering.<\/p> ","protected":false},"author":7,"featured_media":38978,"template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[244,217],"tags":[],"class_list":["post-38915","reviews","type-reviews","status-publish","has-post-thumbnail","hentry","category-mortgage-refinance","category-mortgage"],"acf":{"zone_id":"314624","sponsored":false,"external_author":1943,"external_editor":39656},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - 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