You're In Good Hands!

4.96/5 Based on 59 reviews

5/5

Douglas

Transaction Completed:
3/5/2026

"Justin and his team made our home buying experience stress free. Justin took time to answer all of our questions and helped us to get the best mortgage possible. I feel like he had our best interests in mind"

Round Rock, TX

5/5

Gerald

Transaction Completed:
2/28/2026

"Justin is great to work with, he is very knowledgeable and responds quickly with any questions I have."

Copperas Cove, TX

5/5

Kathryn

Transaction Completed:
2/25/2026

"Justin is the best lender I’ve ever worked with. He is timely, communicative, and consistently on top of every detail throughout the transaction. He takes the time to thoroughly explain each step to the client, ensuring they feel confident and comfortable from start to finish. I can always count on Justin to deliver a smooth and professional experience."

Round Rock, TX

5/5

Eduardo

Transaction Completed:
2/24/2026

"The process, Availability of information, and how manageable everything was with information, time restraints, and what all went into the process. Regarding numbers, laws, different types of insurances as well as other parties helping facilitate moving into our new home made it extremely helpful."

Killeen, TX

Loan Products

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

30 Year Fixed Rate Mortgage

Steady monthly payments over a 30 year term.

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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

Interact with our map to track cash
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

Breaking Walls and Gender Norms: Inspiring Stories from Two Female DIY Home Renovators

In honor of Women’s History Month, we sat down with two female do-it-yourselfers who aren’t afraid to pick up a hammer or a tub of tile grou... Read More

Why Aren’t More Homeowners Taking Advantage of FHA Streamline Loans?

Why don't more homeowners don’t take advantage of the Federal Housing Administration (FHA) Streamline Refinance? It’s something FHA borrower... Read More

FHA Loans: Why This May Be the Best Mortgage for First-Time Homebuyers

FHA loans offer an array of benefits for cash-strapped first-time and repeat homebuyers. 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.

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

Justin Gerard Loan Consultant

About Justin Gerard

Top Rated
Mortgage Lender

You're In Good Hands!