New American Funding Mortgage vs. Third Federal Savings & Loan HELOC
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 →Third Federal Savings & Loan HELOC
Third Federal Savings & Loan
4.6
Perennial rate leader for traditional HELOCs. Low variable rates, no origination fee, $65/yr annual fee.
Full review →WealthSpott Verdict
New American Funding Mortgage wins on more measurable categories — particularly on rate and cost. Third Federal Savings & Loan HELOC may still be the right fit depending on your loan amount and term needs.
Feature
New American Funding
Third Federal Savings
APR Range
6.40% – 8.30% Best
6.49% – 7.99%
Loan Amount
$75,000 – $3,500,000 Best
$10,000 – $200,000
Term Length
120–360 months
120–360 months
Origination Fee
Varies; competitive on FHA and non-QM
No origination fee; $65/year annual fee
Min Credit Score
580+ Best
660+
Funding Speed
21–30 days
2–4 weeks
New American Funding Mortgage
Third Federal Savings & Loan HELOC
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