New American Funding Mortgage vs. Earnest Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
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. Earnest Student Loan Refinance may still be the right fit depending on your loan amount and term needs.
Feature
New American Funding
Earnest Student Loan
APR Range
6.40% – 8.30%
4.96% – 9.99% Best
Loan Amount
$75,000 – $3,500,000 Best
$5,000 – $500,000
Term Length
120–360 months
60–240 months
Origination Fee
Varies; competitive on FHA and non-QM
None
Min Credit Score
580+ Best
650+
Funding Speed
21–30 days
2–3 weeks
New American Funding Mortgage
Earnest Student Loan Refinance
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