Financing and Guidance Built Around You
Buying a home is exciting, but it can also feel overwhelming. The right mortgage team should make the process clearer, help you understand your options, and give you the confidence to move forward.
Whether you are buying your first home, moving into your next one, purchasing a second home, or investing in real estate, the Mid Atlantic Mortgage Team at New American Funding will guide you from the first conversation through closing.
We take the time to understand your goals, answer your questions, and help you find a financing solution that fits your life—not just the property you are purchasing.
Who We Help
First-Time Homebuyers
Buying your first home comes with a lot of questions. How much can you afford? How much will you need for a down payment? What loan programs are available?
We will help you understand the process, explore available first-time homebuyer and down payment assistance programs, and prepare you for each step ahead.
Move-Up and Repeat Buyers
Your next home may come with a different set of decisions. You may be selling your current home, using existing equity, coordinating two transactions, or deciding how much cash to put down.
Our team will help you evaluate your options and build a financing strategy around your timing, budget, and long-term goals.
Second-Home Buyers
Whether you are buying a vacation home, a weekend property, or a place where your family can create new memories, we will help you understand the financing requirements and options available for a second-home purchase.
Real Estate Investors
Investment property financing requires the right strategy. We work with both new and experienced investors to explore financing options for traditional rental properties, short-term rentals, and other real estate investment opportunities.
What You Can Expect From Our Team
Clear Guidance
We explain your financing options in straightforward language so you can make informed decisions with confidence.
A Strong Preapproval
A preapproval should be more than a piece of paper. We take the time to review your financial picture, identify potential concerns early, and help you understand your purchasing power before you make an offer.
Consistent Communication
You should always know what is happening and what comes next. Our team communicates with you, your real estate professional, and the other parties involved throughout the transaction.
Financing Options Built Around Your Goals
No two buyers are exactly alike. We offer a wide range of mortgage programs and will help you compare the options that may fit your financial goals and circumstances.
A Team Behind You
Your Loan Officer is supported by an experienced operations team working together to help keep your loan moving from application through closing.
Your Homebuying Journey
1. Start With a Conversation
We begin by learning about you—your goals, timing, budget, priorities, and what you are hoping to accomplish.
2. Complete Your Application
Your Loan Officer will help you complete the application and provide a list of the documents needed to review your income, assets, credit, and overall financial picture.
3. Understand Your Options
We will review the loan programs, estimated payments, down payment choices, and potential closing costs so you can decide what works best for you.
4. Get Preapproved
Once your information has been reviewed, we will provide the appropriate preapproval and help you understand the price range and payment that align with your goals.
5. Find the Right Home
As you begin making offers, our team will be available to answer questions, provide updated payment scenarios, and communicate with your real estate professional when needed.
6. Move From Contract to Closing
Once your offer is accepted, our team will guide you through processing, underwriting, appraisal, final approval, and closing. We will keep you informed throughout the process so you know what is needed and what comes next.
Explore Your Loan Options
The right loan depends on more than the interest rate. Your income, credit, down payment, property type, future plans, and overall financial goals can all affect which mortgage program may be the best fit.
Our team offers access to a wide range of financing solutions, including:
Conventional loans
FHA loans
VA loans
USDA loans
Jumbo loans
First-time homebuyer programs
Down payment assistance programs
Renovation financing
New construction financing
Physician loans
Bank statement and alternative-income programs
ITIN loans
Investment property and DSCR financing
Not Sure Where to Begin?
You do not need to understand every loan program or have every detail figured out before you contact us. That is what we are here for.
Tell us what you are hoping to accomplish, and we will help you understand your options, prepare for the process, and determine the right next step.
All loans are subject to borrower and property qualification, underwriting approval, program requirements, and applicable terms and conditions. Not all applicants will qualify. Loan programs and requirements are subject to change.