More loans you can say yes to.
Margin times volume. NAF Advantage is the volume half: five programs for the borrowers a standard box turns away, and a DSCR calculator so non-QM stops being the loan you refer out.
The five programs
Five doors for the borrowers a standard box turns away. Each one is a loan you stop referring out — written at the margin you set.
NAF Cash
NAF buys the home in cash, then sells it back to your client. About 11% less paid than buyers using a traditional mortgage. Up to 60 days to sell the existing home.
The full NAF Cash playbook →NAF Bridge
Equity from the current home funds the next purchase. Short-term, typically 6 to 12 months, up to 80% of current equity. Non-contingent offers.
NAF Investor Express
Qualify on the property's rental income, not personal financials. $100K to $3M. Single-family, multi-unit, and short-term rentals.
NAF Entrepreneur Advantage
12 to 24 months of bank statements, or a one-year P&L. Business owners, freelancers, gig workers. Primary, second home, or investment.
NAF Asset Advantage
Qualify on liquid assets with no employment income. Savings, investments, and retirement accounts all count.
Who these are for
- Self-employedBank statement qualifying, no tax returns
- Real estate investorsDSCR, based on property cash flow
- High net worthAsset-based, using investments
- Unique incomeMultiple streams, 1099, commission
The math
The number that keeps most LOs out of non-QM is one division. Set the price, the rate, the rent — the ratio answers live.
The math that keeps most LOs out of non-QM.
Your mix moves the number
NAF's proforma starts FHA and VA at 300 bps, conforming at 220, non-QM at 175, jumbo at 125. More loans you can say yes to is more volume at the margin you set.
Open the calculator
Talk to Larry.
Experience.com 4.96 (95) · Google 4.8 (42) · Zillow 5.0 (18)
Larry Steinway has spent 30+ years in mortgage lending — from a small Chicago brokerage to Regional Sales Manager / VP of Residential Lending at New American Funding, with multiple Chairman's Award years for annual production exceeding $100 million. Bring your production and he runs it through NAF's proforma with you, line by line, before you decide anything.
"You set your margin. We're getting paid inside the price either way. What you do with the rest is your business decision, and that's the point."
Bring your production.
Leave with your proforma.
Larry walks you through the partnership model on your numbers, then runs NAF's proforma on your production.
Larry Steinway · NMLS #223579 · 5225 Old Orchard Rd, Suite 20, Skokie, IL 60077
