New American Funding's Chula Vista branch at 690 Otay Lakes Road holds company NMLS #6606 and operates as a Fannie Mae, Freddie Mac, and Ginnie Mae direct lender, seller, and servicer licensed in all 50 states. Mortgage applications require IRS-compliant income documentation that borrowers assemble with the support of local tax-preparation firms such as Bayfront Tax Group, whose completed 1040 filings and W-2 schedules feed into New American's automated underwriting systems. BBB-accredited since 2004, the company is headquartered in Tustin, California, and retains servicing rights on the majority of loans it closes, providing Chula Vista borrowers with a consistent post-closing payment platform. Title and lien searches on purchase transactions run through the same South Bay legal infrastructure that firms such as The Sexton Law Firm use when clearing encumbrances, judgment liens, and chain-of-title defects before funding. Highest-value originations include I Want to Move Up fixed-rate purchase programs with down payments as low as 3%, paired with proprietary closing-cost grants for borrowers at or below 80% of San Diego County's area median income.