About James Young

My name is James Young, and I am proud to work with the community on behalf of New American Funding. As a highly-skilled Branch Manager, NMLS #396523, my goal is to provide the best customer service possible along with knowledgeable, unbiased advice.

 

With over 20 years of experience in the mortgage industry, I’ve had the privilege of helping countless individuals and families achieve their dream of homeownership. For me, this business isn’t just about loans and paperwork ; it’s about people, relationships, and creating a clear path forward during one of life’s most important milestones.

I believe the mortgage process should feel less overwhelming and more empowering. That’s why I take the time to listen, explain options in plain language, and guide you step by step so you feel confident in every decision. Whether you’re buying your first home, upgrading to your dream home, or refinancing to make the most of your investment, my goal is to save you time, money, and stress while providing unmatched personal service.

Over two decades, I’ve built lasting partnerships with realtors, builders, and clients who return again and again—because they know they can count on me for honesty, clarity, and results. At the end of the day, my greatest satisfaction comes from seeing families settle into the homes they’ve worked so hard for, knowing I played a trusted role in making it happen.

Top Rated
Mortgage Lender

4.9/5 Based on 269,421 Reviews


You're In Good Hands!

4.98/5 Based on 257 reviews
5/5

William Lleras

Transaction Completed:
12/1/2025

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5/5

William

Transaction Completed:
12/1/2025

"James is extremely honest, professional, knowledable and great at simplifying the home buying process for first time home buyers. Will be recommending him to all family and friends."

Staten Island, NY
5/5

Cathy

Transaction Completed:
11/30/2025

"Truly professional James gets the job done"

Staten Island, NY
5/5

Brian Michael

Transaction Completed:
11/23/2025

"Jame made it easy to understand the process"

Union, SC

Loan Products

Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.

Pathway to HomeOwnership

Are you Ready?


At New American Funding, we believe that every person deserves a clear path to achieving their dream of homeownership. So, we created the Pathway to Homeownership initiative to alleviate some of your financial worries.


What is the Pathway to

Homeownership Initiative?


The Pathway to Homeownership offers qualified borrowers in select areas up to $6,000 in assistance. These funds are not a loan that needs to be repaid and are available to first-time homebuyers in designated areas.

This program can also potentially be combined with other down payment assistance programs to offer you even more support as you build the life of your dreams.

Contact me today for more information!

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NAF Cash Can Turn You into a Cash Buyer

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Purchase trends across the country

With NAF Cash, you can make a competitive, true cash offer that is not contingent on financing and close in little as seven days without having to sell your current home first.

Company Culture

NAF360 is our commitment to 360 degrees of trust and respect

NAF360 is our strength of character. It starts with each of us and flows from one person to another. It’s the trust we build with our clients, an understanding we’re here to help. It’s our ongoing contributions to the local community, the assurance we extend a helping hand. NAF360 is felt in our offices, transmitted in every call, evident in every referral, and shines brightly in countless glowing reviews.

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Your Gateway to Enhanced Real Estate Success

Unlock the full potential of your real estate business with NAF Connect, our award-winning platform designed specifically for real estate agents like you. Experience the ease of connectivity, visibility, and control over your transactions, anytime and anywhere.

Why Choose NAF Connect?

  • Enhanced Collaboration: Streamline processes with your loan officer to save time and secure more deals

  • Stay Informed: Gain real-time updates and transparency into every loan status, directly through your device

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Ready to elevate your real estate game?

Sign up for Free today and transform the way you do business! Join NAF Connect - Where Connectivity Meets Opportunity

Location

New American Funding

Charlotte

14120 Ballantyne Corporate Place, Ste. 150
Charlotte, NC 28277

Direct: 646-418-3146

Email: james.young@nafinc.com

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