You're In Good Hands!

4.96/5 Based on 272 reviews

5/5

Brian

Transaction Completed:
2/23/2026

"Karol Johnson did so many helpful things to get me into my home. She went above and beyond to help me. This is my fourth home that I have bought and Karol was by far the best mortgage professional I have ever worked with!"

5/5

Jordan

Transaction Completed:
2/23/2026

"Intelligently explained the nuances for a first time home buyer. Stayed in constant commutation throughout the entire process while working on limited time to get the job done."

South Ogden, UT

5/5

Teisha

Transaction Completed:
2/20/2026

"Karol is literally a magician. My husband and I weren’t in the market to buy a house but the owner of the house we were renting told us she wanted to sell. We really didn’t want to move but we also weren’t sure if we could qualify to buy. Karol worked up some numbers, gave us a game plan and within a month, we were approved and closed on the house. She’s super responsive, always answers our questions no matter what and treated my kids so well when we had to bring them to sign papers. We are so grateful to now own the place we’ve called home for the past few years! I will forever recommend her! Thank you Karol! "

5/5

Taylor Savage

Transaction Completed:
2/19/2026

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Loan Products

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

Conventional Loan

Down payments as low as 3%. Fewer restrictions than other loans.

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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

Karol Johnson Loan Consultant

About Karol Johnson

Top Rated
Mortgage Lender

You're In Good Hands!