Conrado Perez, NMLS# 483483

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Conrado Perez, NMLS# 483483 My philosophy is simple: I will do everything I can to ensure every customer has a clear and thorough understanding of the loan process.

Loan Consultant, NMLS #483483 | New American Funding, NMLS #6606

I have been a mortgage lending professional for more than a decade, during which time I have helped countless individuals and families in California reach their financial goals and achieve their dreams of homeownership. I strive to deliver exceptional customer service every step of the way. Thanks to the strength of Stearns Lending – a national lender whose only business is mortgages – I can offer all types of borrowers a comprehensive selection of mortgage programs. These include FHA*, USDA Rural and VA loan programs, conventional and jumbo loans. I am originally from Modesto, California. I earned my Bachelor’s degree in Business Administration from San Francisco State University and remain an active member of the business fraternity Delta Sigma Pi. My wonderful wife Andrea and I now live in the Bay Area, where we enjoy hiking, golfing, brewing b**r, volunteer work, and cheering for the Golden State Warriors and San Francisco Giants. We also enjoy our two great, fun-loving pit bulls, Lobo and Little Foot. I am a very committed, licensed Mortgage Loan Originator who is passionate about helping customers. I am eager to open the door to homeownership to you and your family, and I look forward to working with you.

Closing on a home isn't magic… but it sure feels like it when you get the keys. 🔑✨If you've ever wondered what actually ...
10/19/2026

Closing on a home isn't magic… but it sure feels like it when you get the keys. 🔑✨
If you've ever wondered what actually happens between "offer accepted" and "keys in hand," we broke it down into 3 simple steps. No jargon, no stress — just the stuff you actually need to know.
Swipe ➡️ to see what really goes down on closing day.
Ready to make your move? Let's talk. đź’¬

Your car, your health, your home. The important things in life deserve protection. Your home purchase is no different. N...
10/16/2026

Your car, your health, your home. The important things in life deserve protection. Your home purchase is no different.

NAF Cash Secure, an affiliate of New American Funding, backs your approved Conventional or VA financing so that if anything unexpected comes up between approval and closing, your purchase stays on track.

Smart buyers protect their biggest investment. You've got this.

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming...
10/14/2026

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming loan limits are climbing.

The single-unit figure is projected to hit $845,000, a bump from the current $832,750—and NAF is already writing loans at the new number, before the Federal Housing Finance Agency (FHFA) makes it official in November.

That line is the dividing wall between Conventional and Jumbo financing. Jumbo means tighter qualifying rules, heavier documentation, and frequently a heftier down payment. Conventional means a smoother, more straightforward process.

If a deal stalled just above the old limit, let's revisit it. Message me and we'll run the numbers.

Your home equity could be a powerful financial tool. 🏡💰A cash-out refinance allows you to replace your current mortgage ...
10/12/2026

Your home equity could be a powerful financial tool. 🏡💰
A cash-out refinance allows you to replace your current mortgage with a new, larger loan and receive the difference in cash—giving you funds that may be used for things like consolidating high-interest debt, home improvements, education costs, medical expenses, or other financial goals.
Of course, it’s important to look at the full picture, including your new payment, closing costs, and how much equity you’ll have remaining.
Curious if a cash-out refinance could make sense for your goals? Let’s talk about your options.

Big Investments. Smaller Down Payments. New American Funding's 90% LTV Investment Property Loan keeps more cash liquid f...
10/09/2026

Big Investments. Smaller Down Payments. New American Funding's 90% LTV Investment Property Loan keeps more cash liquid for the next deal. Invest with less, message me to get started

What could your rent payments be building for you? 🏠 Instead of paying toward your landlord’s investment, homeownership ...
10/07/2026

What could your rent payments be building for you? 🏠 Instead of paying toward your landlord’s investment, homeownership can give you the opportunity to build your own equity over time. 🔑 NAF is here to help you understand your options and take the next step. 💬 Ready to see what buying could look like for you? Let’s talk!

With NAF Cash, you can make an all-cash offer while leveraging your VA Loan benefits to stand out in a competitive marke...
10/05/2026

With NAF Cash, you can make an all-cash offer while leveraging your VA Loan benefits to stand out in a competitive market.

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming...
10/05/2026

The home that seemed slightly outside your purchase price range may not be out of budget anymore. Here's why: Conforming loan limits are climbing. The single-unit figure is projected to hit $845,000, a bump from the current $832,750—and NAF is already writing loans at the new number, before the Federal Housing Finance Agency (FHFA) makes it official in November. That line is the dividing wall between Conventional and Jumbo financing. Jumbo means tighter qualifying rules, heavier documentation, and frequently a heftier down payment. Conventional means a smoother, more straightforward process. If a deal stalled just above the old limit, let's revisit it. Message me and we'll run the numbers.

Mortgage rate buydowns can make homeownership more accessible—but they’re not one-size-fits-all. Before you jump in, the...
09/30/2026

Mortgage rate buydowns can make homeownership more accessible—but they’re not one-size-fits-all. Before you jump in, there are a few smart questions every buyer should ask:

🏡Is this a temporary or permanent mortgage rate buydown?
🏡Who’s paying for it—the builder or seller, the lender, or you?
🏡What happens when the rate resets?
🏡Are there other trade-offs (like reduced closing costs or a higher sale price)?

Interested in buydown options available to you? Call me!

Building your perfect home comes with enough moving parts. Your financing shouldn’t add to the stress. With a One-Time C...
09/28/2026

Building your perfect home comes with enough moving parts. Your financing shouldn’t add to the stress. With a One-Time Close loan from New American Funding, you can combine your land, home, and construction financing into a single closing for a smoother experience from start to finish. DM us for the details!

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800 Airport Boulevard, Suite 417
Burlingame, CA
94010

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