Home Purchase

Your path to home ownership starts here.

Consult a Loan Officer

First, we’ll get you on the phone with Rae Drake or David Drake, both licensed loan officers. They’ll ask you some basic questions to find out what you’re looking for. From there, they’ll determine the best path for you to take, whether that’s a pre-qualification, pre-approval, or mortgage application. Consult Rae or David first.

"The Do's and Don'ts" when buying a home

Get Encompass® Access

Once we’ve connected you Rae or David,, they will email you a link to register your account and get Encompass access. What’s Encompass? Encompass is our home loan platform that makes the process faster and easier.

Find Your Home

Time to get shopping. If you’ve already begun your home search, great. If not, this is the perfect time to get started and find the home that’s right for you. If you need help finding a real estate agent, we can connect you with one of our preferred partners.

Provide Your Info

Tell us a little more about yourself and what you’re looking for. Then, we’ll collect your property details, run your credit, and verify your income and assets up front so that once your offer is accepted, you’ll be three steps ahead. Investing a little more time up front will save you time throughout the process. Encompass saves your progress so you can come back and finish when it’s convenient for you.

Compare Options & Lock Your Loan

At this point, you’ll review your loan options and choose the best one for you. In Encompass, you can conveniently compare rate quotes with detailed loan information side by side to help you make the right selection. As always, Rae or David will be just a phone call or text message away if you need help.

Complete Your To-Do List

Encompass generates a personalized to-do list of all the remaining documents we’ll need from you. Don’t have everything all at once? No worries. You can sign into Encompass and upload or e-sign your documents at your own pace. It’s secure and paperless so you can be confident that what’s private stays private.


Sit tight as we perform rigorous checks to ensure you’re getting the best loan possible. Our superstar process, Nick will assist during this phase. Throughout the processing phase, you’ll be able to see your loan activity in Encompass in real time. We’ll keep you up to date on where your loan is in the process every step of the way.


You’ll see an estimated closing date in Encompass so you can prepare accordingly. Encompass will also generate your closing documents so you can review them at your convenience. Don’t worry about bringing them to the closing table—your settlement agent will handle that.

Welcome Home

Congratulations! You’re officially a homeowner. Time to move in and start unpacking. We’re so glad you chose Encompass for your home financing needs. But it doesn’t have to end here. If you or anyone you know needs a mortgage lender in the future, you know who to call!

Want to learn more?

    Submit your information below and one of our Loan Originator will contact you.

    *By submitting a request to be contacted, you agree that New American Funding may contact you at the telephone number or email address you have provided for purposes of fulfilling this inquiry about mortgage financing, even if you previously registered on a corporate, state, or federal Do Not Call registry or requested New American Funding not send marketing information to you by use of phone, email or text message. You agree New American Funding may use automated dialing systems and prerecorded voice messaging in connection with calls or texts made to any telephone number provided even if call or text results in a charge by your provider. Consent to receiving autodialed calls or texts is not required as a condition of purchasing any New American Funding products or services and you may choose to contact Rae Drake at 352-514-1829