Help Clients Buy Before Selling with
NAF Cash
NAF Cash enables homebuyers to make all-cash offers on primary residences up to $2 million (minimum $150,000), by pre-approving them for a fully underwritten NAF mortgage. NAF Cash purchases the home, allowing clients to move in after closing, then sells it back to them using the New American Funding pre-approved financing.
Key Benefits for Clients
• Make competitive all-cash offers.
• No contingencies– Move into the new home before selling their current residence, with the vacating home listed for sale within 7 days post-purchase.
• Fully underwritten mortgage backup ensures a smooth buyback process.
W-2 Employees are Ideal Clients
Product Highlights
• Income types: Full documentation
• Loan Value: Up to conforming loan limits
• Credit Score: As low as 620
• Minimum Down Payment: 5% Conventional and 0% VA
• Property Type: SFR, PUD, Condo, Townhome
• Max DTI: 50%
• Loan Terms: 10–30 year fixed-rate and ARM options
• Documentation: Full document
Sales Positioning
Position NAF Cash as the ultimate tool for clients who want to make strong, contingency-free offers and move into their new home fast without waiting to sell their current one. Highlight the pre-approved mortgage for confidence and the flexibility for a seamless transition.
Elevator Pitch
NAF Cash lets your clients make all-cash offers on homes up to $2 million, with no financing contingencies, backed by a fully underwritten NAF mortgage. They can move in fast, list their current home for sale within 7 days, and potentially save with seller discounts— all for a small fee. It’s the perfect way to help clients win their dream home in a competitive market!
NAF Cash Jumbo
NAF Cash Jumbo enables clients to make all-cash offers on primary residences up to $2 million using bank statement, 1-year of tax returns, or full doc for income documentation. NAF Cash purchases the home. The clients move in after closing and then buys it back using approved New American Funding financing.
Key Benefits for Clients
• No conforming loan limits restrictions.
• No financing contingencies.
• Qualify using bank statements or tax returns.
Product Highlights
• Income Types: Bank statements, 1-year tax returns or full document
• Purchase Price: Up to $2 million
• Credit Score: As low as 660
• Property Type: SFR, PUD, Condo, Townhome
• Max DTI: 43%
• Loan Terms: 10–30 year fixed-rate or ARM options
Sales Positioning
Position NAF Cash Jumbo as the go-to for affluent clients or those with non-traditional income who want to make strong, contingency-free offers on high-value homes. Tap into the self-employed, freelancer, and contractor markets by emphasizing the ease of bank statement or tax returns and the ability to buy before selling.
Ideal Clients
• Self-employed
• Freelance
• Contractor
• Foreign national
• Entrepreneurs
• 1099 employees
Elevator Pitch
NAF Cash Jumbo empowers non-traditional clients to make cash offers on homes up to $2 million, free from conforming loan limits, using bank statement or tax returns. They can buy before selling, and close quickly for a small fee. It’s a great way to tap into the self-employed, contractor and freelancer markets.
NAF Cash Advance
NAF Cash Advance enables clients to make all-cash offers on homes by leveraging sufficient equity in their current residence (or liquid assets) for full repayment, with a minimum 20% liquid Earnest Money Deposit (EMD). Clients are pre-approved based on equity or assets and prequalified for a NAF Conventional (FNMA/FHLMC) mortgage as a backup. NAF Cash purchases the home, clients move in after closing and complete the transaction by buying the home from NAF Cash using the proceeds of their current residence and/or other assets.
Key Benefits for Clients
• Make competitive all-cash offers without financing contingencies.
• Move into the new home quickly, before selling their current residence, with flexibility to sell later.
• Client purchases the new home with the equity of their current – no mortgage needed.
• Backup conventional mortgage option ensures a safety net if needed.
Ideal Clients
• Homebuyers with significant equity in their current primary residence (or liquid assets)
• Move-up clients/families
Sales Positioning
Position NAF Cash Advance as the perfect solution for clients with equity or assets who want to secure their new home with a cash offer before selling their current one. Highlight the flexibility to move in fast, the backup mortgage option, and the ability to stand out in a bidding war.
Product Highlights
• Income Types: Full doc or bank statements
• Purchase Price: Up to $2 million
• Credit Score: As low as 700
• Minimum Down Payment: 20%
• Property Type: SFR, PUD, Condo, Townhome
• Max DTI: 50%
• Loan Terms: only applies where insufficient equity exists in departing home
• Relocations
• Downsizing clients/families
Elevator Pitch
NAF Cash Advance lets clients with equity or assets make all-cash offers on their dream home, with no financing contingencies, and move in before selling their current residence. With a 20% liquid EMD and a backup conventional mortgage option, they can close fast and buy the home back from NAF Cash after their sale. It’s the ultimate way to win in a competitive market!
Bridge Loans
A Bridge Loan is a short-term, portfolio fixed-rate first lien cash-out refinance that taps into up to 80% of the equity in a client’s current primary residence to fund the purchase of a new primary residence. It allows clients to buy before selling, with no monthly payments and a balloon payment due within 12 months or upon the sale of the current home. The new home purchase must be financed through an New American Funding (e.g., conventional, VA).
Key Benefits for Clients
• No departing home contingencies, making clients more competitive.
• Provides quick access to funds for down payments or full purchase, allowing buyers to move into their new home before selling their current one.
• No monthly payments during the 12-month term; interest accrues until payoff.
Ideal Clients
• Homebuyers with at least 20% equity in their current home
Product Highlights
• Income Types: Full doc
• Credit Score: As low as 700
• Minimum Down Payment: 20%
• Property Type: SFR, PUD, Condo, Townhome
• Max DTI: 50%
• Loan Terms: 12-month term with no monthly payments (balloon payment)
• Move-up clients/families
• Relocations
Sales Positioning
Position Bridge Loans as the go-to for clients with equity who need to move quickly on a new home purchase without waiting for their current home to sell. Emphasize the ability to make strong, departing home contingency-free offers and the flexibility to repay after the sale, while minimizing higher interest rates and risks if the home doesn’t sell quickly.
Elevator Pitch
Bridge Loans let your clients tap into their home’s equity to buy a new home before selling their current one, with no financing contingencies. They can close fast, make competitive offers, and enjoy flexible payments until their home sells within 12 months. It’s the key to winning in a fast-paced market!
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Equal Housing Opportunity. Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-In-Lending Act. This information is to inform the real estate industry only and is not marketing material to be provided to consumers. This is not a loan commitment or guarantee of any kind. Terms and conditions apply. Subject to borrower and property qualifications. Not all applicants will qualify. Rates and terms are subject to change without notice. All mortgage loan products are subject to credit and property approval. ©️ 2025 New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org. Corporate office 14511 Myford Rd., Ste 100, Tustin, CA 92780. www.newamericanfunding.com. Phone: (800) 450-2010. NAF Cash is fulfilled by NAF Cash, LLC, an affiliated real estate company of New American Funding that is managed and operated in compliance with applicable legal and regulatory requirements. NAF Cash, LLC. MI Real Estate Broker #6505431332. NAF Cash, LLC does not originate loans or issue loan commitments. NAF Cash, LLC charges a Transaction Fee of 1.50%-7.95% of purchase price for its service (fee varies by state). Terms and conditions apply, not available in all states. 41050 W 11 Mile Rd, Ste 220, Novi, MI, 48375. Phone 844-344-0531. The purpose of this loan is to provide cash out proceeds secured by a current primary residence, and these proceeds will be used towards the purchase of the new primary residence. Borrower is in the process of selling their current primary residence or trying to sell their current primary residence. The loan proceeds from this bridge loan will be disbursed directly to the settlement agent facilitating the closing and settlement of the new primary residence. The cash out proceeds will be used solely for the purchase of the new primary residence.