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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 80% 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_________________

Pursue the Impossible_____________

Stronger United____________________

Execution Drives Success_________

Innovation Fuels Evolution________

People Come First_________________

As a leader in the mortgage industry, we have always led with integrity.

A champion of a positive and inclusive culture that fosters open, honest, and meaningful relationships.

Innovation is at the forefront of everything NAF does, leadership encourages calculated risks, new ideas, and strives to exceed expectations.

NAF thinks beyond “what is” and envisions “what can be” before competitors.

Purpose drives courage to reach beyond, overcome obstacles, find solutions, and deliver exceptional service.

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

Consumer Direct

A nationwide network for retail branches staffed with

Robust lead generation sources that funnel mortgage-

knowledgeable mortgage professionals who develop

ready prospects to our experienced call center agents.

mutually beneficial relationships with real estate agents,

The Consumer Direct division provides convenience and

homebuilders, and more. Each of New American Funding’s

accessibility for borrowers who prefer a digital experience

retail loan officers assists borrowers in finding the right

with a user-friendly platform, while simultaneously

loan product for their needs. These loan officers provide

providing personalized service through a team of loan

guidance, answer questions, and help borrowers navigate

officers and customer care specialists.

the mortgage process.

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

Upfront savings with a lower introductory interest rate

HOME IMPROVEMENT

Cash-out refinance, HELOC, FHA 203(k) loans

Can reduce buyers’ first-year, second-year, and third-year payment rate

I CAN MORTGAGE

ADJUSTABLE-RATE MORTGAGE

ONE-TIME CLOSE LOAN

Customizable payment terms to meet buyers’ needs

For new construction, a single loan covers property, construction, and mortgage

* Disclosure at the bottom of page: Credit up to $6,000 maximum. Due to maximum seller concession rules applicable to purchase loan transactions, this credit could be less than $6,000 in some cases where other concessions have been made to the consumer.

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.

*https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3751917

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.

Whole Home Services

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.

Comprehensive Coverage

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.

Features: Speed to Lead

Document tracking

Pre-approval letters

Client Management

Loan Updates

Co-branded marketing

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.

3/24/23, 4:14 PM

Stay Top of Mind

New American Funding

LOAN STATUS UPDATE Hello [[BorrowerAndCoBorrowerFirstName]], Congratulations! Your loan has funded for [[PropertyAddressLine1]].

Prior to your first payment due date, you will receive a payment statement with

Keep your buyers in the loop with loan status updates and drip email campaigns that can be co-branded with partner real estate agents.

details for remitting your payment.Reminder: There is a first payment coupon with your closing documents. If you have any questions, please feel free to contact our Loan Servicing Center at +1 800-893-5304 or by email at customercare@nafinc.com It’s been a pleasure working with you, thank you for your business! Reminder: During your loan process DO NOT make any major purchases, job changes, credit requests, or financial transactions without consulting with us first. Please note, employment and credit will be refreshed within 48 hours of closing.

Contact your loan officer today!

[[SignatureBlock]]

JAMES SMITH

JANE DOE

555.123.4567

Sr. Loan Consultant NMLS# 555555

james.smith@nafinc.com

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.

Real Estate Agent BRE# 555555 jane.doe@realestate.com

Equal Housing Opportunity. NMLS ID #6606 | NMLS Consumer Access | State Licensing | Unsubscribe

ﬁle:///Volumes/Marketing-Folders/Marketing1/Graphic - Web Design/New American Funding/2023/_Collateral/Loan Milestones Emails/ILA Emails/naf-Loan-Milest…

Co-branded post-close email campaigns Co-branded mortgage statements Co-branded marketing Co-branded closing cards Jane Doe Real Estate Agent BRE# 123456 555.123.4567 Jane.Doe@realestate.com

James Smith Sr. Loan Consultant NMLS# 987654 555.123.4567 James.Smith@nafinc.com

*https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3751917

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NAF by the Numbers $73.8 B Servicing Portfolio

80%

of the loans we are eligible to service we service in-house.

283,912+

Total Loans in Servicing Center

400,556+ Online Reviews

States Licensed*

*Also licensed in Washington D.C. and Puerto Rico

5K+ 53%

Total Employees

Percentage of Employees who identify as Female

41% 37%

Percentage of Employees from Diverse Communities Percentage of Employees who are Millennials

45 11 286

States with Branches Call Centers

Total Locations

We Are A Leader in the Industry and Customers Notice Fortune 100

Best Companies to Work For 2025

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

We believe that everyone, in every

We are NAF Heroes, a dynamic

continuous learning to help increase

community deserves the opportunity

team on a mission to increase

the rate of Black homeownership

to own a home and achieve the

homeownership and career

in America. Our mission is equity

American dream. Our vision is to

opportunities for military service

for all, by focusing on mortgage

empower our Latino community

members, Veterans, and their

preparedness, credit accessibility,

by bringing cultural awareness,

families. We are led by a diverse

and mortgage career opportunities.

recruiting top Latino talent, and

and passionate group of company

NAF is dedicated to bridging the

creating change through our actions.

leaders and military Veterans, who

racial wealth gap and is committed to

By mirroring the communities

care deeply about supporting those

$20 billion in new mortgages to Black

we serve, we can help increase

who have proudly served our country

buyers by 2028.

sustainable Latino homeownership.

and all who have sacrificed.

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. Services described are provided through NAF Concierge, an affiliated company of New American Funding. NAF Insurance Services, LLC, NPN 20666162, California License 6010426 is a licensed insurance agency that is an affiliated company of New American Funding, LLC. All insurance products are subject to state availability, issuance limitations and contractual terms and conditions. Quotes are subject to approval by the insurance carrier. NAF Homes MI Real Estate Broker #6505431109. NAF Homes does not originate loans or issue loan commitments. © NAF Homes, Inc. All Rights Reserved. 41050 W 11 Mile Rd. Suite 210 Novi, MI 48375 Tel. 844-626-1300 Equal Housing Opportunity. 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. © New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org. www.naf.com Corporate office 1 MacArthur Place, Suite 800, Santa Ana, CA 92707. Phone: (800) 450-2010. 3/26