You're In Good Hands!

5/5 Based on 15 reviews

5/5

Josh Reynolds

Transaction Completed:
11/18/2025

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5/5

Joshua

Transaction Completed:
11/18/2025

"Good comunication answering phone calls at all hours up front about cost help in maniging colsing cost and getting the best money back"

Aurora, CO

5/5

Mikayla

Transaction Completed:
11/16/2025

"Joni stayed communicative, professional, and courteous through the entire experience. She helped us not only secure our loan, but adjust it as needed to fit our budget both outer and present. She was amazing!"

Colorado Springs, CO

5/5

Tina Gregory

Transaction Completed:
11/13/2025

"If I could give Joni more than 5 stars, I would. I’ve been working with her for the last couple years, and she is truly the GOAT of lending. She is sharp, thorough, and leaves no stone unturned when it comes to representing our clients and protecting their best interests. More than once, Joni has picked up the ball after another lender dropped it and still managed to move my clients across the finish line. Her communication is on point, her follow-through is impeccable, and she has a way of explaining complex loan details in a way that keeps buyers informed, confident, and calm. As a Realtor, I’m very selective about who I trust with my clients, and Joni is always at the top of my list. If you want a lender who will go to bat for you, solve problems instead of creating them, and do everything possible to get you to a successful closing, Joni is your person."

Loan Products

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

Reverse Mortgage

Loan for homeowners 62 or over to use their home equity and reach their financial goals.

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Refinance Calculator

Calculate your new monthly payment after refinancing.

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Mortgage Calculator

Before you buy a house, calculate how much your payments will be.

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How Much House Can I Afford?

Calculate the maximum home price you could afford.

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Amortization Calculator

See your payoff schedule with principal and interest payments.

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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.

Contact me today for more information!

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.

Get Started Today!

Housing News & Advice

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If you’re among the millions who could save money by refinancing their home loan or are considering buying a home, then you just received a ... Read More

Should You Time Buying a Home Around the Seasons? It Could Save You Up-Front Cash

Here’s how you can use the calendar to your advantage and close at a time when costs may be lower, timelines are generally faster, and selle... 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

EXPLORE NAF CONNECT: A GAME-CHANGER FOR REAL ESTATE PROFESSIONALS

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
Marketing Made Easy: Leverage co-branded marketing materials to boost your presence and impress clients

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

Mission Statement: New American Funding (NAF) is an industry leader in culture, dedication to service, and lending to underserved communities. Through Latino Focus, the company identifies and addresses the challenges of Latino consumers in their pursuit of homeownership and to enhance the quality of their lending experience. We utilize education and awareness that aims to lift the community and build generational wealth through homeownership. By 2024, NAF is committed to providing $25 billion in home loans to the Latino community.

Joni Garcia Loan Consultant

About Joni Garcia

Top Rated
Mortgage Lender

You're In Good Hands!