New American Funding Mortgage vs. Wells Fargo Home Improvement Loan
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 →
Wells Fargo Home Improvement Loan
Wells Fargo
4.0
APR 9.49–24.99%. Up to $100K. Major bank support.
Full review →WealthSpott Verdict
New American Funding Mortgage wins on more measurable categories — particularly on rate and cost. Wells Fargo Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
New American Funding
Wells Fargo Home
APR Range
6.40% – 8.30% Best
9.49% – 24.99%
Loan Amount
$75,000 – $3,500,000 Best
$3,000 – $100,000
Term Length
120–360 months
12–84 months
Origination Fee
Varies; competitive on FHA and non-QM
None
Min Credit Score
580+ Best
660+
Funding Speed
21–30 days
1–3 days
New American Funding Mortgage
Wells Fargo Home Improvement Loan
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