With over a decade of experience as a top-producing mortgage lender, I help clients across the United States find smart, customized home loan solutions. Whether you are a traditional homebuyer or a self-employed real estate investor, my team and I prioritize straight answers, fast communication, and a stress-free process from pre-approval to closing.
Fund Your Future
Tailored home loan strategies designed for your unique financial goals.
IN A 
COMPLICATED HOUSING MARKET, WE HELP BUYERS 
MOVE FORWARD WITH SMART FINANCING AND CLEAR STRATEGIES THAT MAKE CLOSING STRESS-FREE.
STEP ONE
First-Time Home Buyers
Buying your first home? We offer the guidance you need to get started.
EXPERT GUIDANCE
Mortgage Walkthrough Guide
Get educated! Learn exactly what occurs in every step throughout the mortgage process.
HELPFUL TOOLS
Mortgage Calculator
How much can you afford? What does that monthly payment look like? Find out here.
• Estimate Taxes & Insurance
• Compare Interest Rates
• View Monthly Breakdown
LOAN PROGRAMS
Home Loan Options
We’re here to help you figure out which mortgage best fits your unique financial picture.
Brett Stevens • Senior Branch Manager
Delivering Tailored Home Loans and Strategic Financing Solutions.
The New American Funding Advantage
We truly care about what is best for your financial future. With over ten years of top-producing experience, I help homebuyers, homeowners, and investors navigate the mortgage process with absolute confidence. We craft personalized strategies focused on straight answers and fast, reliable communication.
By offering a diverse blend of traditional mortgages and flexible alternative loan programs, we give our clients more options, competitive rates, and a smoother path to closing. Discover what a strategic, stress-free mortgage experience feels like.
How The Process Works
1
Documentation
There are a few critical documents we will need to verify to start your process.
2
Appraisal
The appraisal ensures the home you are buying is worth the price that is being offered.
3
Initial Underwriting
The Underwriter will verify that all information is accurate and authentic.
4
Conditional Approval
Conditional Approval is granted when the Underwriter approves the loan under certain conditions.
5
Clear To Close
The Underwriter verifies that all documentation has been provided and all conditions have been met.
Does renting or buying a home make more sense? Check out what is best for you by using our Rent vs Buy Calculator...
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Buying is cheaper than renting after
If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented.
But you will own in equity of your home with an appreciated value of .
If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented.
You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting
Home equity after
1 year
years
TOTAL COST
YEARS
Costs over
Monthly Cost (after )
Yearly Cost (after )
Total Cost (after )
Rent
Buy
Difference
$0
$0
$0
Rent
Buy
Difference
$3,019
$92,453
$89,434
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs
These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs
Calculating the Cost of Renting
The cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
- Monthly rent payments
- Security deposit (typically equal to one month's rent)
- Renters insurance (annual premium)
- Down payment
- Closing costs (typically 2-5% of the home's value)
- Monthly mortgage payments (principal and interest)
- Property taxes
- Homeowners insurance
- Private Mortgage Insurance (PMI) if applicable
- HOA fees (if applicable)
- Maintenance and repairs
- Home improvements and renovations
- Annual home appreciation rate: %
- Annual rent increase: %
- Renters insurance: $ per year
- Home maintenance and repairs: % of home value per year
- Home improvements and renovations: % of home value per year
- Selling costs when you sell the home: % of home value
