Financing Built Around Your Goals
Every homebuyer, homeowner, and financial situation is different. That’s why the Mid Atlantic Mortgage Team at New American Funding offers a wide range of mortgage solutions designed to meet you where you are and help you move forward with confidence.
Whether you’re buying a home, refinancing, investing, or exploring a more specialized financing solution, our team will help you understand your options and find the right fit for your goals.
Buy a Home
Buying a home is a big decision, and the right financing can make all the difference. Whether you’re purchasing your first home, moving up, buying a second home, or investing in real estate, we’ll help you understand your options and guide you through the process from pre-approval through closing.
Refinance
Your mortgage should continue to work for you as your life and financial goals change. Refinancing may help you lower your monthly payment, access home equity, shorten your loan term, consolidate debt, or restructure your financing.
Run the Numbers
Want to get a better idea of payment, affordability, or potential savings before you take the next step? Use our mortgage calculators to explore different scenarios and get a starting point for the conversation.
MORE OPTIONS. MORE POSSIBILITIES.
No two borrowers are exactly alike — and neither are their financing needs. Whether you’re buying your first home, building your dream home, investing, or navigating a unique financial situation, our team can help you explore the loan options available and find the right fit for your goals.
Conventional Loans
I want flexible down payment options.
A popular mortgage option for many homebuyers, conventional loans offer competitive rates, flexible terms, and a variety of down payment options — including options as low as 3% for eligible borrowers.
FHA Loans
I want more flexible qualification options.
FHA loans are government-insured mortgages designed to make homeownership more accessible. With down payment options as low as 3.5% for eligible borrowers and flexible qualification guidelines, FHA financing can be a great option for first-time and repeat homebuyers.
VA Loans
I want to use my VA home loan benefit.
Available to eligible Veterans, active-duty service members, and qualifying surviving spouses, VA loans offer powerful home financing benefits — including the possibility of no down payment, no private mortgage insurance, and competitive financing options.
USDA Loans
I want to buy in an eligible rural or suburban area.
USDA loans can provide 100% financing for qualified buyers purchasing an eligible primary residence. These government-backed loans are designed to expand homeownership opportunities in qualifying rural and suburban communities.
Jumbo Loans
I want to finance a higher-priced home.
When the home you want requires financing above standard conforming loan limits, a jumbo loan may provide the additional buying power you need. We offer financing solutions designed for higher loan amounts and more complex financial profiles.
First-Time Homebuyer Programs & Down Payment Assistance
I want help making homeownership more affordable.
Buying your first home may feel overwhelming, but you may have more options than you realize. Our team can help you explore first-time homebuyer programs, low down payment options, and available down payment or closing-cost assistance programs based on your eligibility and location.
Construction Financing
I want to build my dream home.
Building a home requires a different financing strategy. Construction financing can provide funding throughout the building process and, depending on the program, transition into permanent mortgage financing once construction is complete.
Renovation Financing
I want to buy or renovate a home that needs some work.
Whether you’ve found a fixer-upper or want to make improvements to a home you already love, renovation financing may allow you to combine eligible renovation costs with your mortgage financing.
Reverse Mortgage
I want to use my home equity as part of my retirement plan.
For eligible homeowners, a reverse mortgage can provide access to a portion of the equity built in a primary residence without requiring traditional monthly principal and interest mortgage payments.
Our team can help you understand how these programs work, the responsibilities that remain with the homeowner, and whether one may fit into your long-term financial strategy.
Investment Property Financing
I want to grow my real estate portfolio.
Whether you’re purchasing your first investment property or expanding an existing portfolio, we offer financing options designed to help real estate investors pursue their long-term goals.
Non-QM & Unique Financing Solutions
I have income or finances that don’t fit inside the traditional box.
Not every borrower’s finances look the same on paper. Non-QM and other specialized mortgage programs may provide additional options for self-employed borrowers, investors, retirees, borrowers with significant assets, and others with complex or nontraditional income situations.
NOT SURE WHICH LOAN IS RIGHT FOR YOU?
You don’t have to figure it out on your own.
Tell us what you’re trying to accomplish, and one of our experienced Loan Officers will help you understand your options and determine which financing solutions may make sense for your situation.