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James Gardner Loan Consultant
- NMLS # 237661
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Direct:
314-452-7552 - |
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Email:
james.gardner@nafinc.com
About James Gardner
James Gardner NMLS #237661 is a trusted Loan Consultant who is ready to make your dreams of owning a home a reality. James Gardner is committed to providing the community with the very best in customer service, so come speak with New American Funding today and learn how we can help you!

Top Rated
Mortgage Lender
4.9/5 Based on 269,421 Reviews

You're In Good Hands!
Marilyn S.
Transaction Completed:
5/6/2025
"James Gardner is a very experience and intelligent agent that went out his way to make my dream come true. I was very lost when I started off trying to purchase my own. James I could not ask for a better angel to come into my life to help me accomplish my dream. NAF have an outstanding staff and work with you patiently even when become frustrated and have no experience in what I was dream. Thanks to James, Dawn and the entire staff at NAF I have accomplish my dream at the age of 61 years. To God Be The Glory and may he continue to bless the NAF business and staff. Thank you Marilyn Shields"
Donna Cain .
Transaction Completed:
4/26/2025
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Donna C.
Transaction Completed:
4/26/2025
"James Gardner was informative, helpful and encouraging. He explained every step of the process. He would check in with me to make sure I understood everything that was going on. It was a pleasure to work with him."
Perry C.
Transaction Completed:
4/23/2025
"The level of communication, not only with me but also with the buyer was phenomenal. Updates are regular and call backs are timely. Deadlines were met and closing was seamless."
Loan Products
Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.
Mortgage Calculators
Estimate your monthly payment, see how much house you can afford, and more!
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.

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.
From the Blog
Company Culture
NAF360 is our commitment to 360 degrees of trust and respect

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?
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Enhanced Collaboration: Streamline processes with your loan officer to save time and secure more deals
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Stay Informed: Gain real-time updates and transparency into every loan status, directly through your device
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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
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St. Louis - Olive
Saint Louis, MO 63141
Direct: 314-452-7552
Email: james.gardner@nafinc.com
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