The NAF Difference
NAF is the largest privately-owned, woman-owned mortgage company in the country.
NAF is an industry leader in culture, dedication to service, and lending to diverse communities.
NAF originates billions in loans each year and services approximately 90% of the loans we are eligible to service, which allows the company to diversify its revenue streams, build customer loyalty, and successfully navigate any market conditions.
NAF has an extensive suite of loan programs as diverse as its clients and offers competitive rates with industry-leading turn times.
Built for Now & for the future.
Under the leadership of Rick and Patty Arvielo, NAF remains privately-owned, unlike big banks and other large mortgage companies. This allows NAF to be nimble and move quickly in adjusting strategy to counter market conditions, without needing to consult shareholders or investors.
This advantage has enabled NAF to become one of the nation’s top lenders with an expanding national presence. The company is focused on aggressive growth and recruiting many of the nation’s top loan officers to join our team, building the foundation for NAF’s continued success.
NAF provides its customers, loan officers, and partners with an experience that is built on decades of mortgage expertise, all while maintaining the community feel that separates NAF from all other lenders.
What NAF Values
Lead with Integrity
As a leader in the mortgage industry, we have always led with integrity.
Stronger United
A champion of a positive and inclusive culture that fosters open, honest, and meaningful relationships.
Innovation Fuels Evolution
Innovation is at the forefront of everything NAF does, leadership encourages calculated risks, new ideas, and strives to exceed expectations.
Pursue the Impossible
NAF thinks beyond “what is” and envisions “what can be” before competitors.
Execution Drives Success
Purpose drives courage to reach beyond, overcome obstacles, find solutions, and deliver exceptional service.
People Come First
NAF’s core values affect positive, groundbreaking change and deliver excellence to the customers, colleagues, and communities they serve.
Our Mission
New American Funding enables clients of all backgrounds to accomplish the American dream of homeownership by offering a diverse product suite, competitive pricing, and our promise to provide a timely and efficient closing.
Our dedication to client service during the transaction extends after the closing while we service their mortgage.
This passion for client service is displayed in every step of the homeownership experience with focus on fulfilling our client’s needs in a manner that enhances their standard of living.
How We Operate
NAF operates two primary business segments for mortgage origination:
Retail
A nationwide network for retail branches staffed with knowledgeable mortgage professionals who develop mutually beneficial relationships with real estate agents, homebuilders, and more. Each of New American Funding’s retail loan officers assists borrowers in finding the right loan product for their needs. These loan officers provide guidance, answer questions, and help borrowers navigate the mortgage process.
Consumer Direct
Robust lead generation sources that funnel mortgageready prospects to our experienced call center agents.
The Consumer Direct division provides convenience and accessibility for borrowers who prefer a digital experience with a user-friendly platform, while simultaneously providing personalized service through a team of loan officers and customer care specialists.
Unique Benefits of Working with NAF
As a privately owned company, NAF offers traditional loans, but is also able to offer unique programs that are specially designed for today’s homebuyers and homeowners, including:
NAF’S PATHWAY SUITE
Provides buyers in eligible communities up to $6,000 in assistance*
BUYDOWN MORTGAGE
Can reduce buyers’ first-year, second-year, and third-year payment rate
I CAN MORTGAGE
Customizable payment terms to meet buyers’ needs
ADJUSTABLE-RATE MORTGAGE
Upfront savings with a lower introductory interest rate
HOME IMPROVEMENT
Cash-out refinance, HELOC, FHA 203(k) loans
ONE-TIME CLOSE LOAN
For new construction, a single loan covers property, construction, and mortgage
NAF Affiliates
NAF Cash, an affiliate of New American Funding, helps homebuyers by making competitive all-cash offers.
Great for first-time homebuyers and removes key contingencies for repeat buyers such as financing, appraisal, and home sale, enabling a buy now, sell later approach where buyers can move in quickly and take time to sell their current home.
NAF Affiliates
NAF Homes, an affiliated company of New American Funding, introduces pre-approved homebuyers who are ready to buy and don’t have a real estate agent to a growing network of real estate partners.
NAF Homes enables loan officers to build strong connections with real estate agents through the unique value proposition of providing those agents with motivated preapproved clients who are looking to buy a home now.
NAF Partners
NAF Concierge
NAF Concierge offers whole home services to assist customers with a seamless experience for connecting many of the key services and products that are critical to buying —and owning — a home during their loan journey.
NAF Insurance
NAF Insurance streamlines the home insurance shopping process, allowing customers to compare quotes from 50+ top-rated insurance providers in a matter of seconds. Whole Home Services
The Tools & Tech Our Team Needs
NAF encourages a culture of innovation and continuous improvement. Proprietary technology — developed in-house — creates a smooth mortgage process for homebuyers, real estate agents, loan officers, & operations staff.
NAF Technology India enables seamless digital home loan experience for our valued buyers and borrowers. Our team creates technology products and intelligent servicing platform revolutionize the end-to-end mortgage processing journey, from digital application submission to the final payment settlement.
MOBILE CRM
Manage your pipeline of loans, prospects, and partners.
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.
NAF Leads supplements our loan officers’ current business and connects them with live purchase buyers in the early stage of buying a home. Through this program, NAF enables our LOs to utilize a flexible system to establish the specific geographic area they would like to target and receive live prospects from only those areas.
NAF Makes it Easy to Succeed
NAF supports our loan officers with a comprehensive marketing system that enables them to focus on growing their business.
That includes their own templated website, a marketing portal with an extensive library of materials to personalize and cobrand with real estate agent partners, on-demand customized videos, and much more.
Stay Top of Mind
Keep your buyers in the loop with loan status updates and drip email campaigns that can be co-branded with partner real estate agents.
NAF keeps its loan officers at the forefront before, during, and after the deal closes. LOs and their partners appear on mortgage statements for the life of the loan.
Co-branded post-close email campaigns
Co-branded mortgage statements
Co-branded marketing
Co-branded closing cards
283,912+
400,556+
Patty Arvielo
Co-Founder, CEO
A first-generation Hispanic American, Patty Arvielo has spent more than 40 years in the mortgage business. During that time, she has served in nearly every role in the industry, from underwriting to processing to sales, and much more.
She is now the Co-Founder and CEO of New American Funding, the largest Latina-owned mortgage company in the nation. Thanks to Arvielo’s dedication to creating an inclusive and encouraging environment, New American Funding has become one of the best places to work in the entire country.
Under Arvielo’s leadership, NAF has been repeatedly honored for its workplace culture, including being named one of the Fortune 100 Best Companies to Work For in 2022, 2023, 2024, and 2025.
Rick Arvielo
Co-Founder, CEO
Rick Arvielo believes in building a company that operates with integrity and focuses on far more than the bottom line. Arvielo helped build New American Funding into one of the nation’s largest mortgage companies by valuing teamwork, respect, and technological innovation.
Arvielo’s entrepreneurial style resonates throughout the company and attracts like-minded individuals who embrace a spirit of ingenuity, listen more than they instruct, and cooperate more than they direct. Arvielo seeks new avenues for growth, is a staunch advocate for tapping into the online borrower, constantly looks to the future, and is focused on sustained success for generations to come.
Christy Bunce
President Christy Bunce leads the day-to-day operations at NAF and is involved with every aspect of its business. Bunce oversees New American Funding’s entire mortgage lending pipeline, managing its operations, sales, and servicing operations.
Bunce uses her expertise and experience to help shape the future of New American Funding as it expands into new lines of business, grows its suite of offerings, and further solidifies its position as an industry leader.
NAF Promise, the future of belonging. This is a movement committed to creating, cultivating, and sustaining equity for all. Our passion to celebrate all communities is a core influence when defining our company goals. From diversifying our internal workforce, building programs to support team member growth opportunities for all, increasing homeownership rates in underrepresented communities, and more, we will continue to push for all to be included. Our goal is to expand our offerings to include other access-limited groups. This is our promise.
We combine hard work and continuous learning to help increase the rate of Black homeownership in America. Our mission is equity for all, by focusing on mortgage preparedness, credit accessibility, and mortgage career opportunities. NAF is dedicated to bridging the racial wealth gap and is committed to $20 billion in new mortgages to Black buyers by 2028.
We believe that everyone, in every community deserves the opportunity to own a home and achieve the American dream. Our vision is to empower our Latino community by bringing cultural awareness, recruiting top Latino talent, and creating change through our actions. By mirroring the communities we serve, we can help increase sustainable Latino homeownership.
We are NAF Heroes, a dynamic team on a mission to increase homeownership and career opportunities for military service members, Veterans, and their families. We are led by a diverse and passionate group of company leaders and military Veterans, who care deeply about supporting those who have proudly served our country and all who have sacrificed.
We are NAF Heroes, a dynamic team on a mission to increase homeownership and career opportunities for military service members, Veterans, and their families. We are led by a diverse and passionate group of company leaders and military Veterans, who care deeply about supporting those who have proudly served our country and all who have sacrificed.