You're In Good Hands!

4.86/5 Based on 20 reviews

5/5

Cheyenne

Transaction Completed:
11/27/2025

"Mike was so personable and make the experience unlike any other. He is an amazing loan officer that made the experience as easy and as flawless as possible for our first ever home. I recommend him to all and every person as he is extremely knowledgeable & professional while also being personable, funny and kind. He also always kept us updated, was there to offer quick and correct answers to our questions, and was always available when we needed him/responded as soon as he could. He even gave us his personal number so if we needed anything/had any questions we could call. Such an amazing person and loan officer . 100% have recommended and will continue to recommend him. Thank you Mike <3"

Clifton, ME

5/5

Starla

Transaction Completed:
11/24/2025

"Very friendly, knowledgable and answered all questions that were asked."

St Louis, MO

5/5

Jonah M

Transaction Completed:
9/11/2025

"Mike was great to work with and conducted business well. As for everyone else involved, I didn't appreciate the way they conducted business and will only want to work with Mike in the future. He is an asset to your team because if it wasn't for the relationship and trust we built, I would've gone elsewhere."

Kalamazoo, MI

5/5

Linda

Transaction Completed:
9/1/2025

"Michael was friendly, and knowledgeable making the process smooth and easy. I never had to chase information. He checked in often inquiring as to whether I had any questions for him. He was truly a delight to work with."

Tyler, TX

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.

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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.

Michael Troia Sr. Loan Officer

About Michael Troia

Top Rated
Mortgage Lender

You're In Good Hands!