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Finance Your Mortgage Your Way With Newfi

Whether you’re buying, refinancing, or accessing your home’s equity, Newfi offers traditional and flexible loan solutions built around your goals.

Purchasing
Refinancing
Let Us Help You!

Finance Your Mortgage Your Way With Newfi

Whether you’re buying, refinancing, or accessing your home’s equity, Newfi offers traditional and flexible loan solutions built around your goals.

Purchasing
Refinancing
Let Us Help You!
Qualify using rental income instead of personal income. Perfect for buying, refinancing, or growing your rental portfolio.
  • No personal income or employment verification
  • Title can be held in an LLC
  • No limit to properties owned
  • Fixed and Interest Only
  • 40 Year Options Available
Want deeper info? These three quick reads explain the basics:
Explore DSCR Loans
Bank Statement & 1099 Programs
Built for business owners, freelancers, and 1099 earners who qualify using real income not W-2s.
  • Use 12 to 24 months of personal or business bank statements
  • Accepts 1099 and P&L income documentation
  • Ideal for entrepreneurs and small-business owners
These quick guides explain how self-employed lending works:
Explore Self-Employed Loans
Access your home equity without touching the low interest rate on your current mortgage.  A Second mortgage offers flexible terms and fast qualification options.
  • Tap equity without changing your current mortgage
  • Works for primary, second homes, and investment properties
  • Bank-statement options available for self-employed borrowers
These quick guides help borrowers understand when a second mortgage makes sense:
Explore Second Mortgages
Flexible financing for high-value homes with options designed to make large loan amounts more manageable, packed with clear guidelines to help simplify the loan qualification process
  • Loan amounts up to $3.5 million
  • Higher LTVs with no mortgage insurance
  • Self-employed borrowers eligible
  • DTI up to 50%
This guide compares how different terms impact your payment:
Jumbo Loans
Choose from the most common fixed-rate mortgage programs designed for first-time buyers, move-up buyers, and veterans.
Available Programs (Fixed-Rate Only)
  • Conventional Loans – great for well-qualified buyers who want competitive rates and flexible down payment options
  • FHA Loans – ideal for buyers who need lower down payments and more flexible credit requirements
  • VA Loans – exclusive benefits for eligible veterans, active-duty service members, and surviving spouses.
Benefits
  • Flexible Down Payment Options: From no down payment on VA to 3.5% on FHA, 3% on Conventional for First Time Home Buyers, and 5% on Conventional for people who have previously owned a home. 
    • Gift Funds from family acceptable for all down payments!
  • Stable Monthly Payments: Fixed rates available in 30-year and 15-year terms.
  • Easier Qualification Paths: FHA and VA options available for borrowers with limited credit or higher DTI ratios.
Helpful Guides

Why Your Neighbors Choose Newfi

Finding the right mortgage lender for your situation can feel difficult, but it doesn’t have to be. At Newfi Lending, we draw on over 20+ years of mortgage experience to provide our customers with…

Mortgage Solutions

designed to make accessing homeownership, refinancing properties, and investing in real estate more accessible.

A Dedicated and Knowledgeable Loan Team

who are here to support you through the loan process.

A Streamlined Process

so that you can get into your dream home faster!

Learn More

Mortgage With Ease

1

Get a Quote

Start your mortgage journey by getting a rate quote to see what you could afford on your next home purchase or how you could save with a refinance. No commitment necessary!
2

Submit an Application

Once you’re ready to move forward your loan team will help you fill out an application and lock in your rate.
3

Fast Approval

Your loan file will move quickly through the loan process with our operations team so that you can close on your new home loan!
Let's Get Started

Schedule A Time to Meet

Our team of Senior Loan Advisors are here to help you reach your homeownership goals. Click the button below to book a free 30-minute meeting to discuss your mortgage options!

 

Why Customers Love Us

“

Very fast responses, and very knowledgable. I've done business with them twice.

Wyatt E.Deer Island, OR
“

The online portal was very user friendly and helpful with the process of taking out a loan. I felt like we were very informed and involved throughout the process, not just some additional number in line for a loan.

David N.Katy, TX
“

All the Newfi team was quick to respond and always were available and were in touch during the entire refinance process. They also moved things along quickly.

Nicholas S.Princeton, NJ
“

Efficient Process. Good support. Good communications.

David A.Hilton Head, SC
“

Getting a mortgage usually takes forever and you want to just quit. This was speedy and super convenient! This was for an investment property and I will be using them again.

Roberto G.
“

The process was streamlined and stressless, the team communicated well and helped us close in under 30 days.

Montana K.Glendale, AZ
“

Newfi was very on top of things, and communicated what they needed very well. I've bought 3 properties and this was the easiest process of then all!

Aaron K.Glendale, AZ

Award Winning Non-QM

client
client
client
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Why Homebuyers Trust Us

When you work with Newfi Lending, you’re working with a national mortgage lender who has helped countless people achieve their homeownership goals. We understand how much time, effort, and energy goes into the decision to buy a home, refinance a property, or invest in real estate. That is why we are committed to providing the best mortgage experience possible.

4.8/5 Star

reviews from Newfi customers

3,500+

new homeowners helped across the country   

Award-Winning

service to guide you through the entire loan process

Simplifying The Mortgage Process

Get answers to your burning mortgage questions and learn more about your home loan options.

Get Your Personalized
Rate Quote!



© Copyright 2016-2026 Nexera Holding LLC dba Newfi Lending | All Rights Reserved | NMLS ID 1231327 | This website is not approved for use in the state of New York. For qualified borrowers. The information provided is for general informational purposes only and does not constitute legal or tax advice. You should not act upon any information provided without seeking professional legal counsel tailored to your specific situation. We recommend consulting with a qualified attorney or tax professional for advice on any particular legal or tax matter.