Do Not Refinance With NAF My mother and I worked with our local NAF broker for 2 years and 23 days to obtain a refinance on my mother's home to make necessary improvements to allow her to remain in her home at her age. We were initially told "This will close very quickly, easy refinance." With every day, a new promise never delivered. Communications were non-existent unless I initiated contact. Promise after promise of closing followed by excuse after excuse of why it wouldn't happen that day. This broker promised us we were close to closing and would be safe to start renovations as the money would be in our hands in 3 - 7 days. Needless to say, after 750+ days of my constant badgering, there still is no closing, no money and my 80 yo mother has moved out of her home of 25 years having spent 15K that she didn't have for partial renovations; unable afford the remaining things needed. Do not trust this company, period. Their computer systems are trash (according to the majority of excuses over the last year) and employees/vendors do not care about anything that doesn't bring in big money for more diamonds and LV bags.

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.

Excellent Loan Officer My loan officer, Keith Bradley, was extremely helpful, patient and knowledgeable. He is a true professional and made the stressful loan process easy.

She's amazing and very knowledgeable She's amazing and very knowledgeable. Could not have asked for a better experience. So easy to deal with her and she took away all the stress.