personalize your options
Answer four questions to find home loans that could work for you.
Start Personalizing30-year fixed-rate mortgage
Your interest rate stays the same for the full 30 years, making it easy to budget. A popular choice for the long-term security it provides regardless of market changes.
15-year fixed-rate mortgage
Build equity faster with a lower interest rate. Paid off in half the time, this is ideal for borrowers who want to be mortgage-free sooner or plan to retire within 30 years.
conventional loan
Not government-insured, which means fewer restrictions and flexible terms between 10 and 30 years. Down payments as low as 3%. Faster processing than government-backed options.
FHA loan
Insured by the Federal Housing Administration and backed by the federal government. Lower down payments, flexible credit requirements, and a great option for first-time or self-employed buyers.
VA loan
Exclusively for active-duty and veteran service members. Lower interest rates, no required down payment, no prepayment penalty, and no monthly mortgage insurance premiums.
adjustable rate mortgage (ARM)
Starts with a lower rate that adjusts to the market after a fixed period. Great for borrowers who plan to move, refinance soon, or expect income growth in the near future.
self-employed mortgage
Designed for entrepreneurs, freelancers, and small business owners who don't receive W-2 income. Uses tax returns, profit & loss statements, and bank statements to verify income.
I CAN mortgage
Negotiate your own term length with mortgage professionals. Build equity faster, refinance later, and tailor your mortgage to suit your current and future financial needs.
reverse mortgage
For homeowners 62+ who want to turn home equity into cash. The lender pays you monthly. No repayment until the home is sold, vacated, or the homeowner passes away. No credit score required.
Non-QM loan
A Non-Qualified Mortgage is designed for borrowers who don’t fit traditional lending guidelines. Ideal for self-employed individuals, real estate investors, or those with non-traditional income sources like bank statements, asset depletion, or 1099 income.
USDA loan
Backed by the U.S. Department of Agriculture for eligible rural and suburban homebuyers. No down payment required, low mortgage insurance costs, and competitive interest rates for qualifying borrowers with moderate income.
buy down loan
Temporarily reduces your interest rate during the first 1–3 years of the loan by paying upfront points at closing. This lowers your monthly payments early on, making homeownership more affordable while you settle into your new home.
additional offerings
Explore specialty loan types and programs from New American Funding designed for unique situations and needs.
not sure which loan is right?
Our loan officers will walk you through every option and help you find the program that fits your life.
Talk to a Loan Officer