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New American Funding Branch

Morgan Hill

18525 Sutter Blvd, ste 240
Morgan Hill, CA 95037

Your New American Mortgage Starts Here

 New American Funding is a National Mortgage Banker. Our Morgan Hill branch is anchored by seasoned Loan Officers--Justin Berteaux, Bobby Sadieh, Michelle Cockrell, and David Hernandez. With the top talent of local Loan Officers and their wealth of local real estate knowledge, experience, as well as the financial backbone of a national lender, we offer clients the best of both worlds. 

Our clients benefit enormously by our commitment to efficient lending. We have optimized operations by bringing loan origination, processing, underwriting, funding, and servicing all in-house, making our borrowers lives far less stressful with complete servicing under one roof.  Our software program is second to none, for ease of use by our clients and staff, thus expediting the lending process smoothly.

We also offer FHA Direct Endorsement and VA Automatic mortgage lender. New American Funding offers a variety of purchase home loans and refinance loan options including Conventional, FHA, Cash Out, Fixed Rate and Adjustable Rate Mortgages, VA, HARP 2.0, Jumbo and Reverse Mortgages.

Our company culture, business model and every level of our operation is governed by integrity. Our culture is rooted in positive, productive interactions with our team-mates, partners, and clients treating all with respect and dignity. We understand that open communication is key and your trust is earned through transparency and understanding. New American Funding makes it our business to keep you up to date with accurate, current information through every step in the lending process.

New American Funding is a national mortgage banker headquartered and founded in 2003 in Tustin, CA and has been recognized nationally as a true industry leader that is influencing legislation, provided advice to Fannie Mae and Freddie Mac while establishing itself as one of the foremost experts on affordable lending underserved borrowers, which is a mission of Rick and Patty Arvielo, our founders and owners.

New American Funding is an all-inclusive mortgage bank.  From origination to funding, our underwriters and funders all work in-house creating a cohesive team that enables us to close loans fast and improve the customer experience.

Get Started Today!

  • By clicking "Get a Quote" I agree by electronic signature to: 1) Receive disclosures and communications about my loan inquiry in electronic form (I confirm that I have a working computer system and internet website browser to view this webpage); 2) Be contacted about a mortgage by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer (consent to be contacted is not a condition to purchase services) and to be contacted via email; I consent to be contacted even if my phone number or email address appears on a New American Funding Do Not Call / Do Not Email List, a State or National Do Not Call Registry, or any other Do Not Contact List.

    Our Privacy Policy, Terms of Use, and Electronic Consent Agreement.

Social Survey review of

David Hernandez

Obed R. Says: Excellent person, excellent professional and always answer all questions

Social Survey review of

David Hernandez

Zaira R. Says: David was very helpful answered all our questions regardless of how many times we asked. Worked with our crazy hours. Great and honest person all around.

Social Survey review of

Justin Berteaux

Andrea V. Says: This was a stressful process due to our situation. But Justin and Kristin were great! They answered all our questions and were quick to respond. We had previously worked with Justin before and there was no question who we would go with for this purchase. If you want someone who knows what they are doing and what they are talking about Justin is the person! He is honest and straight forward. We will be doing a refinance soon and Justin will for sure have us back as returning clients!

Social Survey review of

Justin Berteaux

Gabriel C. Says: Justin has been awesome really knowledgeable knows how to make it happen. Really take the time to explain any questions we had to make sure we understood all the processes to home buying. Hope to continue to work with Justin for future home purchase or refinances .

Social Survey review of

David Hernandez

Juan G. Says: He always answered any questions we had. He helped us whenever we had a problem.

Social Survey review of

Michelle Cockrell

Sarah L. Says: Michelle was simply amazing. A previous lender was unwilling to work with us to see if we could refinance - Michelle tackled the challenge head on, fully communicated the pros and cons of all our options, and helped us to complete our refinance in a timely manner. 10/10 would use Michelle again!

Social Survey review of

Michelle Cockrell

Timothy M. Says: Michelle has great people skills. She communicated with us very well throughout our home re-finance, and was ready to answer all our questions. Her personal level of detail made this transaction easy. We recommend Michelle HIGHLY for any home loan or home re-finance needs you may have!

Social Survey review of

Michelle Cockrell

Karen S. Says: Michelle is a knowledgeable professional who successfully guided us through the process from beginning to end. We found her to be very helpful and communicative. We will certainly recommend her services to our friends and look forward to working with her again.

Social Survey review of

Michelle Cockrell

Katie E. Says: Michelle communicated thoroughly and we always knew where our loan stood. She always remained positive as well. Couldn’t have been better!

Social Survey review of

Lurinda Dowell

Scott G. Says: I have bought and old numerous properties and the projects I have worked with Ms. Dowell has been amazing. Very swift, responsive, and an all around positive experience. She recommended many options and was great to bounce ides off of. Highly recommend and would user her again.

Social Survey review of

Lurinda Dowell

Christine Q. Says: She always kept us updated whether it be a small or minor detail. Never felt lost in the process. In addition to her excellent professionalism, she always has such a pleasant and enthusiastic attitude about everything. Thanks so much for everything!

Social Survey review of

Lurinda Dowell

Crystal J. Says: Lurinda was great at communicating throughout my loan process, not only with me but with my relator and escrow agent making my experience easy and stress free! She also got me into a program that suited me along with an aggressive and competitive rate. I have already referred her to my family and friends and will continue to do so. A+ service!

Social Survey review of

Michelle Cockrell

Daniel Z. Says: I had a great experience with Michelle and her team . She was on top of things and when I needed things explained she did an excellent job doing so. I would definitely refer people to her and her team.

Social Survey review of

David Hernandez

Ahmad M. Says: David is easy to speak with. He is very knowledgeable and knows what he's doing. I would recommend all friends and relatives to do their business with him. Thank you David.

Social Survey review of

David Hernandez

Juanita S. Says: David Hernandez was very helpful throughout the whole loan process, from when it was just an inquiry to see what was possible all the way through to the closing of escrow. He has been very prompt in responding, and was knowledgeable about finding ways to make the process work. I really appreciated his dedication.

Social Survey review of

Bobby Sadieh

Jason H. Says: Bobby is good a financing professional as they come. Knowledgeable, helpful, and personable, he helped us with securing the loan for our new home. Bobby was meticulous and took great care throughout the process from beginning to end, down to the details of hours in the closing process. For the biggest transactions in your life, you'll want to have a partner like Bobby on your side.

Social Survey review of

Michelle Cockrell

Amylynn D. says: Michelle and her team did a great job on the refinance of my house. Everyone was very responsive and kept me informed every step of the way! I will absolutely recommend Michelle and her team to my family and friends!

Social Survey review of

Art Jarvis

Martin G. says: Art and his team were very professional.

Social Survey review of

Justin Berteaux

Greg V. says: Justin went above and beyond to help us find a loan that worked for our family. While on vacation in Hawaii Justin was taking our calls and handling every question with patience and professionalism. With out Justin's knowledge and experience we never could have found a loan that worked for my family and we wouldn't be homeowners.

Social Survey review of

Bobby Saadieh

Akanksha U. says: Me and my husband were first time home-buyers and Bobby made the entire loan process super easy. There were no delays from his end. He kept updating us at every step of the way making us feel comfortable on the timelines. The estimates provided by Bobby were near accurate and he ensured to protect us as well since this was our first experience of home purchase. We would highly recommend Bobby! Thanks Bobby, you are truly one of the best in the business!

Social Survey review of

Michelle Cockrell

Daniel A. says: Michelle was always available and always a pleasure to work with!

Social Survey review of

David Hernandez

Jose Lobato says: Señor David is a very professional man, he answered all my questions and concerns We had in a professional way.. I would work with him again any given day.. by the way this happened when he was working at the last company where he used to work... he is a cool dude.. thank you señor David...

Zillow review of

Justin Berteaux

stevenghazi wrote: I've used Mr. Berteaux on multiple occasions, for the FHA Re-Fi on my 1st house and on the VA Loan for my second. He has an amazingly knowledgeable and responsive team, I have greatly appreciated his honesty and candor in guiding me and my family through the entire mortgage loan process.

Social Survey review of

Bobby Saadieh

Alex C. says: Great to work with this is our second time working with Bobby and we are very pleased with his work, very helpful and always there to answer our questions.

Social Survey review of

Michelle Cockrell

Nicole K. says: Michelle answered all of my questions and explained the process thoroughly.

Social Survey review of

Bobby Saadieh

Chinmay P. says: Bobby was super helpful with our loan process. He was knowledgeable and helped us a lot through the process. He did not hesitate to correct us when he thought we made wrong decisions and guided us through the process saving us a lot of money and hassle. He was available for us 24 x 7 for any questions or concerns. He was super timely and helped close the loan on time. I have no hesitation recommending Bobby.

Social Survey review of

Justin Berteaux

Justin went above and beyond to help us find a loan that worked for our family. While on vacation in Hawaii Justin was taking our calls and handling every question with patience and professionalism. With out Justin's knowledge and experience we never could have found a loan that worked for my family and we wouldn't be homeowners. by Greg V. for Justin Berteaux

Zillow review of

Justin Berteaux

Nancy Freitas wrote: I have been using Justin for years. He seems to be the only person that can do a loan when others say it is not possible. He is very knowledgeable and this is what gets a loan from not being approved to APPROVED! I always say that if he can't do it then no one can!

FaceBook review of

Justin Berteaux

Sally Cook Wrote: Justin Berteaux did what it took to help me with my original mortgage loan. As he is very knowledgeable, professional and honest, I had to use him again for my refinance. I highly recommend Justin to everyone.

Zillow review of

Justin Berteaux

Ruben Martinez Wrote: I had a half completed room addition and I finally had enough equity in my house to get it completed. Justin set me up with a 203K loan which was perfect for someone in my situation. He also put me in touch with a licensed contractor who did an excellent job completing my room addition up to code.