New American Funding Review 2025: Rates, Services, and Customer Insights

If you’re in the market for a mortgage or refinancing in 2025, you’ve likely come across New American Funding. With over 20 years in the business and billions in funded loans, it’s become one of the fastest-growing lenders in the U.S. But is it right for you?

In this guide, we’ll cover everything from rates and services to customer reviews, how to log in to your account, and whether New American Funding is legit in 2025.

🏠 What Is New American Funding?

New American Funding (NAF) is a direct mortgage lender based in Tustin, California. Founded in 2003, it offers a wide range of home financing solutions, including:

• Conventional loans

• FHA loans

• VA loans

• Jumbo loans

• Refinancing

• Reverse mortgages

NAF is known for catering to underserved communities, including minorities and self-employed borrowers. It currently operates in 48 states and Washington, D.C.

🖥️ How New American Funding Works

NAF provides a hybrid lending model—combining digital convenience with human guidance.

Application Process:

• Online prequalification

• Document upload via secure portal

• Credit and underwriting checks

• Closing (in-person or remote)

Borrowers can also contact a loan officer directly or walk into one of NAF’s 170+ branches.

🔐 New American Funding Login: How to Access Your Account

To log in to your New American Funding account, follow these steps:

1. Go to: https://www.newamericanfunding.com

2. Click “Login” in the top-right corner

3. Choose Customer Portal or Loan Officer Portal

4. Enter your credentials

5. Access documents, make payments, or track your loan progress

📌 Tip: For new customers, you’ll need to register your account using your loan details.

💰 New American Funding Mortgage Rates 2025

While NAF doesn’t publicly list fixed mortgage rates due to market fluctuations, you can get a personalized quote within minutes through their online tool.

Typical 2025 Rate Ranges:

• 30-Year Fixed: 6.65% – 7.25% APR

• 15-Year Fixed: 6.00% – 6.75% APR

• FHA Loans: Often slightly lower, with reduced credit score requirements

• VA Loans: 0% down options for veterans

🧮 Use a mortgage calculator to estimate your monthly payments before applying.

⭐ New American Funding Reviews (2025)

Thousands of users have rated New American Funding highly across platforms like:

• Trustpilot: 4.7/5

• Better Business Bureau (BBB): A+ Rating

• Google Reviews: 4.5/5 (varies by branch)

👍 Pros:

• Excellent customer support

• Competitive rates

• Fast closing times

• Great for first-time homebuyers

👎 Cons:

• Limited rate transparency

• Some delays during underwriting

🛡️ Is New American Funding Legit?

Yes, New American Funding is a fully licensed direct lender and is:

• FHA-approved

• VA-approved

• A Fannie Mae and Freddie Mac seller/servicer

They also comply with CFPB lending regulations and are audited regularly.

🔐 Security: All customer data is encrypted and stored securely. Their login system includes multi-factor authentication.

🆚 How New American Funding Compares to Other Lenders

🙋‍♂️ Frequently Asked Questions

1. Is New American Funding a Direct Lender?

Yes, it originates, processes, and closes loans in-house, offering faster turnarounds and fewer third-party delays.

2. What Credit Score Do I Need?

• FHA Loan: 580+

• Conventional Loan: 620+

• VA Loan: 620+

3. How Do I Contact Customer Support?

You can reach them via:

• Phone: 1-800-450-2010

• Live chat on their website

• Branch locator tool

4. Is There a Mobile App?

Yes, the NAF mobile app allows you to upload documents, check your application, or make payments.

📍 New American Funding Locations

With over 170 branches, you can find a New American Funding near you using their website’s branch locator tool.

📌 Try searching “New American Funding near me” for local office info and Google reviews.

🧠 Final Verdict: Is New American Funding Right for You?

New American Funding is a top-tier choice for:

• First-time homebuyers

• Veterans

• Self-employed individuals

• Those who want both digital tools and personal support

With thousands of 5-star reviews and flexible loan options, it’s no surprise that more Americans are choosing NAF in 2025.

However, always compare rates and fees across at least three lenders before making a final decision.