Nate Jones · Senior Loan Officer · NMLS #304056
The Right Loan.
Get It Done.
23 years. $2B+ closed.
See What You Qualify For
Free · No credit pull · About 60 seconds
Are you buying or refinancing?
What Clients Are Saying
4.98 out of 5 stars · 51 reviews on Zillow
“Nathan's customer service was excellent. He is very personable and knowledgeable. He was always available, answered all of our questions, and made the experience totally painless. When we hit snags in the road, and even major roadblocks, he was there to help and never added to our stress.”
Zillow Reviewer
Via Zillow
“I've had the pleasure of working with Nathan for over 5 years. His guidance has been invaluable in the super competitive San Diego County real estate market. He simplifies intricate financial matters, is always available on weekends and evenings, and responds promptly.”
Zillow Reviewer
Via Zillow
“Nate is the best in the business. He has helped us with multiple transactions and every single time the process is smooth and stress-free. His knowledge of different loan programs is unmatched. If you need a mortgage, call Nate.”
Zillow Reviewer
Via Zillow
Nate Jones
Senior Loan Officer · NMLS #304056
NMLS #6606 · Equal Housing Lender
In loans closed
Years in the industry
Families helped
Hi, I'm Nate.
Most loan officers follow a script. Nate finds the loan that actually fits your life.
Talk to Nate FreeLatest From Nate
Quick answers to the questions borrowers actually ask.
Who We Serve
Whether you're a medical resident with student loan debt, a self-employed borrower who can't show tax return income, or a real estate investor qualifying on rental income — there's a loan program built for you.
Nate Jones (NMLS #304056) is a New American Funding physician mortgage loan officer and alt-doc specialist. He works with medical residents, attending physicians, self-employed business owners, real estate investors, and high-net-worth retirees nationwide.
Credit scores starting at 660. Debt to income ratios handled with program-specific flexibility — student loan debt excluded on physician mortgages, bank deposits used instead of tax returns on self-employed loans, and rental cash flow used on DSCR loans. 100% financing available on the physician home loan program with no private mortgage insurance — ever.
Loan products include the physician mortgage loan, conventional loan, FHA loan, DSCR investment loan, bank statement loan, hard money refinance, and reverse mortgage. Today's housing market demands a loan officer who understands more than one program — Nate writes them all. Most mortgage lenders push whatever loan is easiest to close. Nate finds the monthly mortgage payment that actually fits your life.
DSCR Loans
Real estate investor mortgages that qualify on rental property cash flow, not personal income. No W-2s, no tax returns. Single-family rentals, multifamily, and short-term rental properties all eligible.
Learn more about DSCR Loans→Bank Statement Loans
Self-employed mortgage program that uses 12-24 months of bank deposits instead of tax returns. Business owners, S-corps, LLCs, 1099 contractors, and freelancers qualify on real income — not the number left after write-offs.
Learn more about Bank Statement Loans→Physician Mortgage Loans
Doctor home loans with 0% down, no PMI, and student debt excluded from DTI. Residents, fellows, attendings, dentists, nurse practitioners, veterinarians, and chiropractors all qualify.
Learn more about Physician Mortgage Loans→Hard Money Refinance
Exit your hard money or fix-and-flip loan into long-term conventional financing. The cleanest refinance path is DSCR — rental cash flow qualifies the deal, and the rate drops by several points.
Learn more about Hard Money Refinance→Reverse Mortgage
FHA-insured HECM and jumbo reverse mortgages for homeowners 62 and older. Convert home equity into tax-free cash, a line of credit, or monthly income — keep the title in your name.
Learn more about Reverse Mortgage→Asset Utilization Loans
Asset depletion mortgage program for retirees and high-net-worth borrowers. Qualifying income is calculated from investment accounts and savings — no paycheck or pension required.
Learn more about Asset Utilization Loans→How It Works
Tell Us Your Situation
Answer a few quick questions about your loan goal. Takes 2 minutes.
Get Your Free Review
Nate personally reviews your options and calls you — no credit pull, no obligation.
Close With Confidence
Nate handles everything from application to closing. Most loans close in 15-30 days.
Credentials That Close Loans
Nate has been closing the loans other lenders pass on for over two decades. The numbers speak for themselves.
Closing loans
In funded loans
Scotsman Guide Originator
NMLS · New American Funding
Tools
Free calculators built for the loans Nate writes. Run your numbers before you call.
DSCR Calculator
See if your rental cash flows enough to qualify.
Use Free Tool →Physician Mortgage Calculator
Qualifying amount with student debt excluded.
Use Free Tool →Write-Off Calculator
Whether write-offs cost more than a rate bump.
Use Free Tool →Reverse Mortgage Calculator
Tax-free equity homeowners 62+ can access.
Use Free Tool →Asset Transfer Calculator
Whether moving assets to lower your rate pays off.
Use Free Tool →
Nate Closes the Loans
Other LOs Pass On
Nate specializes in the borrowers other lenders turn away — complex income, DSCR deals, physician mortgages, and hard money refinances.
With 23+ years in the mortgage industry and over $2B in loans closed, Nate has seen every scenario and found a path to closing.
Working through New American Funding, Nate can help borrowers nationwide.
NMLS #304056 · New American Funding
Ready to See What You Qualify For?
Free review. No credit pull. Nate responds same day.
NMLS #304056 · New American Funding · Equal Housing Lender