Navy Federal Credit Union Mortgage vs. New American Funding Mortgage
Side-by-side comparison · Updated 2026 · Independently reviewed
Navy Federal Credit Union Mortgage
Navy Federal Credit Union
4.7
VA mortgage specialist for military members. No PMI, 0% down available, and consistently competitive rates.
Full review →New American Funding Mortgage
New American Funding
4.4
FHA and non-QM specialist with bilingual support and a 580+ credit score minimum for some programs.
Full review →WealthSpott Verdict
New American Funding Mortgage wins on more measurable categories — particularly on rate and cost. Navy Federal Credit Union Mortgage may still be the right fit depending on your loan amount and term needs.
Feature
Navy Federal Credit
New American Funding
APR Range
6.10% – 7.80% Best
6.40% – 8.30%
Loan Amount
$50,000 – $2,000,000
$75,000 – $3,500,000 Best
Term Length
120–360 months
120–360 months
Origination Fee
No origination fee on VA loans
Varies; competitive on FHA and non-QM
Min Credit Score
620+
580+ Best
Funding Speed
30–45 days
21–30 days
Navy Federal Credit Union Mortgage
New American Funding Mortgage
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