You're In Good Hands!

4.95/5 Based on 16 reviews

5/5

Lorena

Transaction Completed:
4/21/2026

"Johanna Valera was outstanding from start to finish! She made the buying process for my clients so effortless by explaining each step along the way. I will definitely be working with Johanna again!"

Katy, TX

5/5

Thy Anh Hong

Transaction Completed:
4/18/2026

"Johanna and her team was amazing, they answered all of our question and guided us through our process. Its was great working with them!"

ROSENBERG, TX

5/5

Viengkeo

Transaction Completed:
4/18/2026

"Johanna and Maggie made the experience very easy and helped my wife and I navigate through the steps needed into buying our first ever home! They were very friendly and we feel like they went above and beyond for us!!!"

ROSENBERG, TX

5/5

Christine

Transaction Completed:
4/3/2026

"and problem-solving was top-tier! This was beneficial to both the clients, the file and myself.as an agent."

Katy, TX

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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.

Get started today!

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.

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Housing News & Advice

How Homebuyers Can Negotiate in a Friendlier Housing Market

In recent years, buying a home often meant moving fast and paying asking price (or more.) Yet this spring, buyers have more room to negotiat... Read More

The Fed Isn’t Cutting—or Hiking—Interest Rates. Is That Good for the Housing Market?

The U.S. Federal Reserve announced it would leave interest rates unchanged at its April meeting. How will that impact the housing market? Read More

America’s Homes Are Older Than Ever. What Homebuyers Need to Know Before Making an Offer

The typical U.S. home is now middle-aged at 44 years old, the oldest on record. The goal isn’t to avoid older homes. It’s to understand what... Read More

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.

Meet The Team

Johanna Valera

Loan Originator

NMLS #1306064

Tel: (832) 907-4602

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Johanna Valera Loan Originator

About Johanna Valera

Top Rated
Mortgage Lender

You're In Good Hands!