Home Purchase
Answer four quick questions and we'll show you the home loan programs that could work for you.
Start PersonalizingYour interest rate stays the same for the full 30 years, making it easy to budget. A popular choice for the long-term security it provides.
Build equity faster with a lower interest rate. Paid off in half the time — ideal for borrowers who want to be mortgage-free sooner.
Not government-insured, which means fewer restrictions and flexible terms. Down payments as low as 3%. Faster processing than government-backed options.
Insured by the Federal Housing Administration. Ideal for first-time homebuyers with lower credit scores. Down payments can be as low as 3.5%.
Exclusively for active-duty service members, veterans, and eligible spouses. No down payment required, no PMI, and competitive interest rates.
Start with a lower fixed rate for an initial period (3, 5, 7, or 10 years), then adjust annually. Great for buyers who plan to sell or refinance.
Use tax returns and bank statements rather than a W-2 to qualify. Designed for entrepreneurs, freelancers, and 1099 borrowers.
Negotiate your own loan terms — from 8 to 30 years — to fit your budget and goals. A flexible alternative to standard fixed-term loans.
For homeowners 62 and older. Convert your home equity into tax-free income without monthly mortgage payments while staying in your home.
Alternative income documentation for borrowers who don’t fit traditional underwriting. Bank statement loans, DSCR, asset-based, and more.
Designed for rural and suburban homebuyers who meet income limits. No down payment required and below-market interest rates backed by the USDA.
Temporarily reduces your interest rate during the first 1–3 years of the loan. A popular seller-concession strategy in today’s market.
Additional Offerings
Explore specialty loan types and programs from New American Funding designed for unique situations and needs.
Transfer property ownership between family members or co-owners.
Learn moreFinance energy upgrades into your home loan.
Learn moreSpecial pricing for teachers, veterans, and first responders.
Learn moreMake a cash-backed offer to compete in any market.
Learn moreState and local programs that help cover your down payment.
Learn moreOur loan officers will walk you through every option and help you find the program that fits your life.
No obligation · Available 7 days a week