You're In Good Hands!

5/5 Based on 13 reviews

5/5

Dawn Wochner

Transaction Completed:
2/12/2026

"Mitch and Ranesha both have the knowledge and expertise that we needed and were looking for in our mortgage refinance. They are both such a pleasure to work with and made the whole process pain free compared to companies we’ve work with in the past. We would use them again and definitely recommend them to everyone looking for a smooth transaction!"

5/5

Kathryn D

Transaction Completed:
2/12/2026

"Mitch and Ranesha nade the whole loan process so easy compared to every other company we've worked with. Both are so effi and knowledgeable and have the expertise and guidance we needed and were looking for!"

Enterprise, AL

5/5

Cheryl Ward-Russell

Transaction Completed:
8/15/2019

"Mitch is a great guy. Very knowledgeable and easy to talk to."

5/5

Shivani M

Transaction Completed:
10/21/2025

"Organized. Mitch stays ahead of things and makes the process very smooth. Best lending experience I've ever had."

Smyrna, GA

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

VA Loans

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

30 Year Fixed Rate Mortgage

Steady monthly payments over a 30 year term.

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.

how much

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

Home Equity Loans Can Provide Much-Needed Cash: How to Choose the Right One for You

If you have built up equity in your home and are hoping to tap into it, you have a lot of options. There are a variety of home equity loans.... Read More

Here Are the Top 3 States Attracting New Residents–and the 3 States Where People Are Leaving

Here are the top states attracting new residents - and the ones that people are leaving. Read More

Buying a Home This Spring? Here’s How to Succeed in a Competitive Housing Market

If you plan to buy a home this spring, be prepared for fast sales, bidding wars, and competing with all-cash buyers. 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: Our Military Heroes Focus is a dynamic initiative to increase homeownership and career opportunities for military service members, veterans, and their families. Our Military Heroes Focus is led by a diverse and passionate group of company leaders, military veterans, and other patriots who care deeply about supporting those who have served our Country and their families.

Mitch Payne Branch Manager

About Mitch Payne

Top Rated
Mortgage Lender

You're In Good Hands!