Rick Stevens is exceptional Rick Stevens made this process, painless and stress free. He explained everything thoroughly. I wasn't confused at any time. I appreciate Rick and Heather's patience and understanding during our first refinance.

DO YOUR OWN RESEARCH OR DON'T HIRE THIS COMPANY This company gave us an inflated amount of our home's value when we were trying to get a loan. We followed all of the company representative's suggestions and paid $1K toward a credit card to bring our credit score a bit higher, and then $540 for an appraisal - our home value came in low and the loan fell through - after paying out more than $1500! Very disappointing and totally avoidable if our home value had been accurately measured at the onset. My experience was that they were very friendly and confident up front but in the end, it was like, "oh well." If you hire this company, do your home value research yourself, including determining the comps in your area over the past 6 months.

I would recommend NAF to anyone looking… I would recommend NAF to anyone looking to buy a home. Buying a home is very stressful, but NAF made it easy to understand.

Painful and unpleasant process Painful and unpleasant process. Loan officer - Cheryl was uncommunicative, changed rates multiple times, and could not delivered rate as originally quoted. The whole process was painful, and almost missed closing and funding deadline. Would NOT recommend anyone to use NAF.

Excellent communication Kat was extremely helpful every step of the way. She was always available to answer my questions. She was instrumental in helping a first time home buyer learn the jargon of the industry. Her top notch service kept the entire process mostly stress free. Thanks Kat!