You're In Good Hands!

4.89/5 Based on 30 reviews

5/5

Jared

Transaction Completed:
3/25/2026

"From start to finish Michael was great also was available for questions and anything we needed for this transaction. I will def refer him to my clients."

Keene, NH

5/5

Kathy

Transaction Completed:
3/23/2026

"He kept me informed throughout the whole process and was very responsive!"

Mobile, AL

5/5

Tyeler Ryan

Transaction Completed:
3/13/2026

"Michael was incredibly helpful and kind. Any time we had any questions or concerns, he quickly responded or reached back out to help. He did a fantastic job at every part of the process and made us feel very supported and cared for. I cannot properly express how grateful we are to have had someone as aweseome as Michael helping us through this incredibly nerve-wracking process."

Montevallo, AL

5/5

Hillary A

Transaction Completed:
3/9/2026

"Throughout all the hiccups and fear I could always call and ask any question that was on my mind. Michael made a scary process into something I actually looked forward to dealing with.... he was a delight to work with while battling the savage mortgage beast. :)"

Pelham, AL

Loan Products

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

Jumbo Loan

Our Jumbo Home Loans deliver more for you

Reverse Mortgage

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

VA Loans

No down payment required. Special terms available to veterans and active duty military.

Explore More Options

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

When is the Best Time to Sell a Home? Two New Studies Point to Spring

The spring housing market continues to be the best time for sellers. This is the season when buyer demand rises and competition can push pri... Read More

Need a Down Payment for a Home? How to Maximize Your Tax Return

A tax refund can help you save for a home purchase faster, if you know how to maximize the return. Read More

Mortgage Rates Rise, But There Are Still Opportunities to Save

Homebuyers and homeowners hoping for some good news on mortgage interest rates are likely to be a bit disappointed. But there are still oppo... 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.

Michael Troia Sr. Loan Officer

About Michael Troia

Top Rated
Mortgage Lender

You're In Good Hands!