New American Funding Mortgage vs. U.S. Bank 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 →
U.S. Bank HELOC
U.S. Bank
4.3
Big-bank HELOC with no origination fee, high credit limits up to $750k, and a 0.5% autopay discount.
Full review →WealthSpott Verdict
New American Funding Mortgage wins on more measurable categories — particularly on rate and cost. U.S. Bank HELOC may still be the right fit depending on your loan amount and term needs.
Feature
New American Funding
U.S. Bank HELOC
APR Range
6.40% – 8.30% Best
8.20% – 12.80%
Loan Amount
$75,000 – $3,500,000 Best
$15,000 – $750,000
Term Length
120–360 months
120–360 months
Origination Fee
Varies; competitive on FHA and non-QM
No origination fee; $90/yr after year 1
Min Credit Score
580+ Best
660+
Funding Speed
21–30 days
2–4 weeks
New American Funding Mortgage
U.S. Bank HELOC
Not sure which loan is right for you?
Browse all loans