Home Refinance

Change your home loan to match what you need now.

Consult a Loan Officer

First, we’ll get you on the phone with Rae Drake or David Drake, licensed loan officers. They’ll ask you some basic questions to find out more about your refinancing needs. Consult Rae or David first!

Rebuilding your credit

Get Encompass® Access

Once we’ve connected you with 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.

Provide Your Info

At this point in the process, we’ll collect your property details, run your credit, and verify your income and assets. Investing a little more time up front will save you time throughout the process and allow your loan to move from start to finish faster. Plus, 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 refinance 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, your loan officer will be just a phone call 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 refinance possible. Our super star processor, Nick will help you finalize your loan. 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 and your closing documents in Encompass so you can review them at your convenience. Once the final papers are signed, you’ll have completed your home loan refinance! If you or anyone you know needs a mortgage lender in the future, give us a 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