BREAKING NEW GROUND We’re ready to be your true partner you can count on.
We make hard loans EASY.
YOUR LENDING SOLUTION We underwrite and fund your loan in-house,
so you’ll always get fast and accurate information. Our dedicated builder team provides unparalleled
visibility, streamlined communication, and complete control from inception to closing. You can count on the loan to close on time and within plan.
3 2 0 K+
$70 . 4 B I L L I O N+ IN HOME LOANS
WHY PARTNER WITH
NEW AMERICAN FUNDING Like the dirt you build on, your mortgage partner is an essential part of your business foundation. BUILDER BENEFITS • Cutting-edge technology specifically that simplifies the lending process
• Improve your margins with ASA and lender credits
• Dedicated builder operations team specializing in pipeline management of new builds
• As a true partner, we can plan with you to build communities
• Direct lender for Fannie, Freddie, FHA, VA, & USDA, meaning we don’t have the overlays our competitors do
• More product offerings for unique new construction homes
• Dynamic marketing strategies that ensure homes are sold swiftly 02
• Pre-appraisals available, if needed, to ensure comps support price point
WE SAY YES
T R A D I T I O N A L A N D N I C H E LOA N P R O D U CT S • FHA, USDA, and VA
• Investment Properties & 2nd Homes
•
Conventional Loans
• Jumbo Loans Up to 95% LTV
• Temporary Buydowns
• Investment Property/DSCR
• No Income Verification Loans
• 80/15/5 Loan Program
• No Mortgage Insurance Options
• ITIN
• Interest-Only Options
• Bank Statement Program
• Construction to Perm
• Reverse Mortgages
• Down Payment Assistance Programs
• Foreign National Loans
SUPERIOR MORTGAGE PROGRAMS With over 400 loan products, we consistently evaluate and update our offerings to provide you with innovative mortgage solutions regardless of the buyer. 03
CONSTRUCTING THE
PERFECT PARTNERSHIP Creative lending solutions.
FO RWAR D CO M M ITM E NT AVAI L AB LE
Securing a specified interest rate for a population of borrowers/properties –regardless of interest rate volatility – available on all in-house products
J U M B O H O M E LOAN S
We’ll help your clients get into higher-priced homes.
NAF ADVANTAG E
For investors, self-employed, freelancers, foreign nationals or those with an ITIN.
PATH WAY PRO G R AM/D OWN PAY M E NT AS S I STAN CE First-time buyers receive up to $6,000 in financial assistance.
CLOSE MORE DEALS EX TE N D E D R ATE LO CKS
Up to one full year with float down option.
CO N V E NTI O NAL LOAN 95% LT V
Special no PMI payment option for homebuyers. 620 credit score.
TE M P O R ARY B U Y D OWN O P TI O N S
Buyers can receive a payment rate 1%, 2%, or 3% lower than the note rate for the first 12, 24, or 36 months.
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BUILDER SERVICES Specialized mortgage lending program designed to help you increase unit turn and profit growth.
With a unique blueprint in mortgage banking and builder services, we have dedicated processing and underwriting teams for builders. We truly understand the nuisances of new construction. We’re dedicated to exceeding your expectations and consistently delivering on our promises.
BUILDING OPPORTUNITY PROGRAM Unlike most lenders, we manually underwrite all loan products: Conventional, FHA, VA
We have no overlays above FHA, VA, USDA, and Conventional guidelines
We allow credit scores down to as low as 500 in some cases on FHA and VA with a manual underwrite
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CERTIFIED NEW CONSTRUCTION Specialists dedicated to you Dedicated Loan Officers
Certified Processors
STAY CONNECTED & INFORMED Weekly updates Builder reports NAF product updates 06
Underwriter Specialists
Closing Specialists
BUILDER REPORTING Weekly status reports on your clients that we served
Major milestone notifications to track your pipeline Yearly report on your clients. Broken down by zip code, household income, age, credit score, loan program & more
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NAF CASH Say goodbye to financing contingencies or concerns about closing. H OW IT WO R KS
Clients get pre-approved through New American Funding. NAF Cash works directly with builder and makes an all-cash offer on a new home. NAF Cash purchases home in cash. Client completes mortgage process with New American Funding and officially purchases the home from NAF Cash NAF Cash is a powerful tool that simplifies the homebuying experience and provides benefits for buyers working with homebuilders.
H I G H LI G HTS
• NAF Cash gets deals done by helping homebuyers make all-cash offers on homes. • Eliminates contingencies, providing buyers and builders with the certainty of a purchase that will close. • Buyers can move into their new home before selling their existing one, avoiding the hassle of a tight timeline. • Cash offers expedite the homebuying process, allowing for faster closings. Plus, builders get paid faster.
LEVERAGE OUR
PARTNERSHIP Special Incentive Programs. Provide opportunities for ASA and Lender Credits to help drive dollars to your bottom line. Special pricing and marketing incentives help you move aged or challenged inventory that may be eroding your margins. 08
MARKETING TECHNOLOGY In a competitive environment, advertising and marketing dollars must be maximized efficiently and effectively. We developed unconventional advertising & marketing programs that target your prospective customers wherever they are to help you drive more traffic.
CO-BRANDED Co-branded Open House or Listing Flyers with payment option
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JET PROGRAM We u n d e r s t a n d t h e r i s k of b u i l d i n g a h o m e . T h e J E T p r o g r a m i s d e s i g n e d to m i n i m ize i t by p r ov i d i n g U pf r o n t U n d e r w r i ti n g to g e t fas t a p p r ova l s .
FLIGHT LEVEL PRIORITY BOARDING
Pre-qual: LO will provide a pre-qualification letter after consulting client and reviewing credit report.
ALL CALL
LO -Collects all docs and finalizes application.
ARRIVAL & CROSSCHECK
Loan Set-Up: Order all third-party docs (appraisal, title, VOE) Order Plans & Specs Appraisal for Pre-sale. Submitted directly to Underwriting.
FINAL APPROACH FOR LANDING
Closing Department: Prepares loan documents and sends package to attorney. Closing disclosure is finalized and all wires are sent.
PREPARE CABIN FOR LANDING
Final Approval: Loan conditions reviewed by UW. UW issues final approval. Processor sends file to Closing department.
Conditional Approval: We’ve reached our cruising altitude. Processor notifies customer of Conditional Approval & requests any conditions needed for Final Approval. Appraisal sent to all parties upon receipt.
IN CASE OF TURBULENCE
In case of turbulence, fasten seat belt sign is on. All parties notified of RED flag item, the solution and timeline of resolution.
READY FOR TAKEOFF
Upfront Underwriting: NAF underwrites the loan upfront to ensure on time arrival, to avoid turbulence and last-minute flight delays.
IN-FLIGHT SERVICE WILL BEGIN
Final Processing: Confirm final contract terms with builder and collect final builder documents. Submit conditions to UW to final approval. Send closing disclosures for signature.
WELCOME HOME!
CLOSING DAY HAS ARRIVED
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WE’RE LOCAL U N PAR ALLE LE D LO CAL PR ESCE N S E • We live in the communities we serve • Relationships are our #1 priority • Our local teams are here to help 24/7 • In-person events are our specialty • We partner with builders on local events
WE I N V EST I N O U R CO M M U N ITI ES • First-time homebuyer workshops • Community events • Homebuying process educational materials 11
WHEN IT COMES TO BUILDER LOANS, WE NAIL IT!
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. Pathway - 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. Reverse - Borrower is responsible for paying taxes, insurance, and other property expenses. Borrower must occupy home as their principal residence. A new loan will require a new credit check, appraisal, title search, initial mortgage insurance premium, closing costs and fees. Consult your tax advisor. Buydown - When choosing a buydown program, a portion of each monthly payment for the first 12, 24 or 36 months will be prepaid by either the seller or lender (depending on consumer’s selection) and held by the lender to supplement the consumer’s required monthly payment. The consumer’s required monthly payment is calculated using an interest 1%, 2% or 3% below the note rate for the buydown period(s), then the note rate for the remainder of the term. Borrower must qualify based on the note rate. 5 year Protection - If rates change after you obtain a loan through New American Funding, you may qualify for a refinance loan with Lender through the 5-year Rate Protection Pledge. Applicable on new applications only. Visit newamericanfunding.com/legal/5year for full terms and conditions. NAF Cash - 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. NMLS #6606. nmlsconsumeraccess.org. Corporate office 1 MacArthur Place, Suite 800, Santa Ana, CA 92707. Phone: (800) 450-2010. Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-in-Lending Act. The information is to inform the real estate industry only and is not marketing material to be provided to consumers. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. 2/2026.