YOU’RE A CLOSER and this is your toolkit.
You Were Born For This You’re here to move deals forward and get loans funded. Because you’re not a babysitter. You’re also not tech support. You’re not a therapist, a janitor, a micromanager or a magician. What you are is a professional, powerhouse closer. And it’s our job to make sure you have the tools, the tech, and the support to do yours.
This booklet contains everything you need to be a kickass closer at NAF– and only that. Let’s do this.
Strong Values Create Strong Closers
Happy Customers Are Lifelong Customers We know your clients aren’t just transactions, they’re relationships. Our award-winning servicing team supports nearly 300,000 customers every day with precision and real, human care. That means a better experience for your clients long after
the deal is done, and relationships that last past the life of a loan.
Be the Partner They Can’t Work Without Success is a team effort, and we’re here to give your partners the
best customer service to keep your business running smoothly. From customized co-branding booklets for Real Estate Agents, to exclusive
training sessions for homebuilders, we’ve got your partners’ backs so you can focus on what you do best.
You’re the Main Character NAF keeps you and your partners front and center for the entire loan. On a quarterly basis, both of you will be included on the mortgage statement, with customizable options to make it personal.
What you get:
Co-branded post-close emails so you can stay in touch
Co-branded marketing to promote your services and build your brand
Co-branded mortgage statements so clients always remember who helped them
Co-branded closing cards
Your Bridge to Stronger Partnerships NAF Connect is your platform for building trust and driving
speed with your referral partners. It streamlines lead submission, instantly connects you with new referrals, and gives partners a real-time view into the loan process.
Speed to Lead
Pre-approval letters
Loan Updates
Document tracking
Client Management
Co-branded marketing
The Third Party Origination Tool Your TPO pipeline starts here. This is where you can upload requested
documents, review and eSign your loans, and more! TPO is a Partnership
that makes lending seamless by connecting you with other organizations to ensure a smooth process from start to finish.
This tool helps you work together to provide the best possible service to your most important asset: your clients.
NAF Elevate Set your business up for success with NAF Elevate, powered by GO! Coaching. You’ll get a personalized success plan that’s tailored to your goals and
business. This exclusive program for NAF Loan Officers is packed with effective strategies in marketing, sales, operations, and finance. Plus, it’ll help you boost your time management, accountability, and communication skills.
One Connected Ecosystem, Built for You Shaped directly by LO feedback and built in-house, our Tech Ecosystem is your central command center. It combines powerful loan origination tools with automated campaign builders in one intuitive workspace, giving you everything you need to close more loans with less friction.
AUTOMATED OUTREACH
Build and launch customized text, email, and voice campaigns to connect with your clients and prospects
COMPLETE LOAN MANAGEMENT Review 1003 details and analyze all outstanding conditions for every file in your pipeline
END-TO-END PROSPECT MANAGEMENT
Run credit, send a pre-approval, and update prospect status, all from one system
UNIFIED MESSAGING
Connect with clients at scale using integrated video, voice, and text without leaving the platform
PARTNER INTELLIGENCE
Search for local real estate agents and builder partners to connect with using integrated market data
Done-For-You Marketing Power
Automated social media scheduling, strategy ideas, and content library.
Personalized, co-branded marketing portal.
On-demand custom videos.
Custom-branded website for Google Business and local SEO.
Dedicated Regional Marketing partner for onboarding and support.
Event support with strategy and bespoke materials.
Work Smarter, Close Faster NAF streamlines your loan operations with real-time visibility, mobile access, and efficient processing. We help your team work smarter and close deals faster, so you can focus on growing your business.
Your Job is to Sell. We’ll Handle the Rest. Our in-house experts cut through the red tape, so you can focus on your clients.
100% control on every step in your loan process In-house underwriting for all products Regionalized operations teams that are hand-picked for your production
In-house appraisal panels to ensure great service every time
You’ve Got a Loan for Everyone NAF offers a wide variety of loan programs, empowering you to find the right solution for every client, no matter their unique situation.
Direct Fannie, Freddie, FHA, VA, and USDA lender (with no score and low score options available)
In-house down payment assistance product suite
Comprehensive Non-QM product offerings
NAF Bridge Loan and NAF Cash products
40+ Housing Finance Authority partnerships
NAF Pathway Programs
Affordable financing options with down payment assistance, up to 100% financing, and no MI for eligible borrowers
Buydown Mortgage
Can reduce buyers’ first-year, second-year, and third-year payment rate
Home Improvement
Cash-out refinance, HELOC, FHA 203(k) loans, VA Reno
Interstate Lending
Have a client moving to a new state? We specialize in these situations
Jumbo Loans
High-limit financing up to $10 million with competitive rates and flexible terms for clients purchasing high-value homes
Non-QM Loans Flexible financing for homebuyers, investors, and foreign nationals with unique situations or income profiles outside traditional guidelines
ITIN Loans
Clients may qualify for a home loan using their Individual Taxpayer Identification Number
Bank Statement Loans
Self-employed clients may qualify using bank statements or asset depletion instead of traditional income documentation
Reverse Mortgage
Enables older homeowners to convert a portion of their home equity into tax-free cash
Offer Your Clients More When you offer more, you close more. Our homebuyer solutions give you the
tools to deliver more services and greater value, helping your clients succeed. With NAF Cash, any buyer can be a cash buyer. This not only gives your clients a competitive edge, but
will help you stand out, close more deals, and grow
your business.
NAF Homes connects your referral partners to
motivated buyers and sellers who are pre-qualified and ready to purchase. Bonus: clients who use NAF Homes
may be able to save thousands on their closing costs. NAF Concierge is a white glove, free service to source
and connect basic utilities for your borrowers, saving
them time and money.
Uqual helps clients whose credit scores aren’t quite
high enough to qualify for a loan. Once they are loan
ready, they’re transferred back to NAF and back to you.
NAF Leads NAF Leads provides live, warm transfers that connect you with
customers looking to buy a home, eliminating the need to track them down. We handle the entire lead delivery process and back you with
a dedicated team, offering coaching and LO group calls packed with
proven success strategies. This comprehensive support empowers you
to focus on closing deals and build a lasting income stream with repeat business for years to come.
Women Owned. Women Led.
Patty Arvielo
Christy Bunce
Patty Arvielo has been a leader in the
Christy is involved with every aspect
working her way up from the bottom rung
company expand into the successful
Co-Founder, CEO
mortgage industry for nearly 40 years;
and gaining extensive knowledge of the
entire industry functioning in a variety of
capacities, from underwriting to processing along the way.
President
of NAF’s business and has helped the organization it is today. Her leadership
has been recognized with several awards, including the Gold Stevie Award for
Female Executive of the Year in 2021.
From leadership roles to mentoring the next generation, we’re making space for more women to grow, succeed, and thrive.
Mosi Gatling
Elly Cummings
Mosi is a dynamic speaker, author, and coach with over two decades of experience in the mortgage industry. A top 1% originator, she developed the Housing Advocate Certification program to address disparities in homeownership and is a sought-after thought leader on fostering accessible and sustainable homeownership for all.
With over 27 years of experience, Elly’s leadership has earned her numerous accolades, including being named one of HousingWire’s Most Influential Women in Housing. She has led her region to be recognized as a Top 200 Workplace by the Star Tribune and a Best Place to Work by the Minneapolis/St. Paul Business Journal.
SVP Strategic Growth & Expansion
Divisional EVP, Great Lakes | Florida
We Support Our People We’re led by our culture of support and service to our team members, customers, partners, vendors, and more.
NAF360 is our culture initiative that supports the goal of having happy
employees who enjoy coming to work every day. That culture has earned us the Great Place to Work certification for eight consecutive years. NAF has one of the most diverse workforces in the industry.
Every year we recognize our top producers with an annual trip to a luxurious resort.
Honored Throughout the Industry
HousingWire 2024 Tech 100 Mortgage
Scotsman Guide Top Mortgage Lender
Experience.com Top Mortgage Company Jumbo Division
The Heart of NAF What sets NAF apart from the rest? Our leadership. Thanks to Patty and Rick Arvielo, we offer the capabilities of a large
company and personal touch of a small company. This lets us move fast and adapt quickly to market changes, without needing to ask permission from shareholders or investors.
We’re Here For You Pat Bolan Chief Production Officer 469.243.3505 | Pat.Bolan@nafinc.com
NATIONAL
Sam Ellsworth EVP, National Strategic Growth Leader 949.208.8982 | Sam.Ellsworth@nafinc.com
NATIONAL
Tony Blodgett EVP, National Retail Sales - West 425.418.8400 | Tony.Blodgett@nafinc.com
AK AR IA ID IL MO MT NE NORCAL NV OR WA WY
Andy Pettola EVP, National Retail Sales - East 860.372.2569 | Andy.Pettola@nafinc.com
CT DE KY MA MD ME NH NJ NY OH PA RI TN VA VT WV
You’re here to close deals and grow your business. And we’re here to provide you with the best products, technology, marketing, and support–so you can do what you do best.
Elly Cummings
Milton Karavites
Divisional EVP, Great Lakes/FL
Divisional EVP, Mtn & South
612.889.9845 | Elly.Cummings@nafinc.com
308.829.3616 | Milt.K@nafinc.com
FL GA MI MN NC ND SC SD WI
AL AZ CO KS LA MS OK UT
Tim Sorenson
Chris Shelton
Divisional EVP, Southwest
Divisional EVP, Southeast
714.906.4733 | Tim.Sorenson@nafinc.com
919.583.8088 | Chris.Shelton@nafinc.com
AZ CA CO HI KS NV OK UT WY
AL GA KY MI NC SC TN VA
Tom Boyd
Russell Calvert
Divisional EVP, TX & NM
Divisional EVP, TX & NM
713.305.0072 | Tom.Boyd@nafinc.com
469.677.9126 | Russell.Calvert@nafinc.com
LA NM TX
LA NM TX
Let’s Connect Jess Van Wagoner Regional Manager, VP | NMLS # 1576482
801.499.2400 jess.vw@nafinc.com
naf.com/jessvanwagoner
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 #6502431375. NAF Cash, LLC does not originate loans or issue loan commitments. NAF Cash, LLC charges a Transaction Fee of 1.5%-5.5% 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. New American Funding, LLC. is an Equal Opportunity Employer. We believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law. ©️ New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org. Corporate office 14511 Myford Rd., Ste 100, Tustin, CA 92780. newamericanfunding.com. Phone: (800) 450-2010. 12/2025.