New American Funding Mortgage
Best for FHA / Low CreditNew American Funding
4.4
6.40%–8.30% APR$75,000–$3,500,000Fee: Varies; competitive on FHA and non-QMMin credit: 580+
APR Range
6.40%–8.30%
Loan Amount
$75,000–$3,500,000
Term
120–360 mo
Origination Fee
Varies; competitive on FHA and non-QM
Our take
Best for borrowers with lower credit scores or non-traditional income — NAF offers bank statement loans, ITIN loans, and FHA programs down to 580 credit. Bilingual service (English/Spanish) and a genuinely accessible underwriting process set it apart.
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Full details
| Minimum loan amount | $75,000 |
| Maximum loan amount | $3,500,000 |
| Lowest APR | 6.40% |
| Highest APR | 8.30% |
| Shortest term | 120 months |
| Longest term | 360 months |
| Origination fee | Varies; competitive on FHA and non-QM |
| Minimum credit score | 580+ |
| Funding speed | 21–30 days |
Frequently asked questions
What is the APR range for New American Funding Mortgage?
New American Funding Mortgage offers APR from 6.40% to 8.30%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with New American Funding Mortgage?
Loan amounts range from $75,000 to $3,500,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for New American Funding Mortgage?
A minimum credit score of 580 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does New American Funding Mortgage charge an origination fee?
Yes, New American Funding Mortgage charges an origination fee of Varies; competitive on FHA and non-QM. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with New American Funding Mortgage?
New American Funding Mortgage typically funds loans within 21–30 days. Actual funding time may vary based on verification requirements and your bank.
Is New American Funding Mortgage worth it?
Best for borrowers with lower credit scores or non-traditional income — NAF offers bank statement loans, ITIN loans, and FHA programs down to 580 credit. Bilingual service (English/Spanish) and a genuinely accessible underwriting process set it apart.
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Verified Mar 2026
New American Funding Mortgage