John Fleming NMLS 1850409 New American Funding NMLS 6606

10/03/2026

5.0 star review received on Experience.com for John Fleming by Audra O - John was always there to help w any questions and had everything taken care of and got us closed very quickly.

Read more: https://experience.com/reviews/john-fleming-468333/6cab985d-ec9c-4e78-9b3b-a7544cbba807?V=1791030496&utm_source=facebook&utm_medium=autopost&utm_content=13711001

10/02/2026

Rates are high as hell right now. I’m not going to pretend they aren’t.

But a higher rate doesn’t automatically mean you have to sit on the sidelines.

Sometimes it just means we need to get a little more strategic.

ARMs. Temporary buydowns. Seller credits. Different ways to structure the financing.

Not every option makes sense for every buyer, but before you decide you can’t afford to buy, let’s actually run the numbers.

You might be surprised at what’s possible.

📱 John Fleming | New American Funding
865-745-5626
NMLS #1850409

10/01/2026

09/26/2026

🏈 Score your own touchdown with this Newport property!

OPEN HOUSE TODAY
📍 253 Ramblin Rd, Newport, TN
⏰ 11:00 AM – 2:00 PM

Come tour the home, check out the space, and see if this could be the one you’ve been waiting for.

Qualified buyers may have several financing options available, including:

🏡 USDA eligible financing
🏡 THDA programs
🏡 Pathway 100
🏡 VA financing options

Want to see it privately or can’t make the open house?

📞 Ashley Casey: 423-465-2061
Contact Ashley to schedule a private showing.

Stop by between 11 and 2 and take a look for yourself!

Full property details, features, pricing, and listing information are available through the property listing.

09/16/2026

Credit cards, personal loans, and other high-interest debt can quietly eat up hundreds or even thousands of dollars every month.

If you own a home and have built equity, that equity may give you another option.

Depending on your situation, we can look at a cash-out refinance or even a HELOC that may allow you to access your equity while keeping your existing low-rate first mortgage in place.

The goal isn’t simply to move debt around. It’s to look at the numbers and determine whether consolidating high-interest debt could lower your total monthly obligations and put more room back into your budget.

And I’m not interested in refinancing someone just to refinance them. Sometimes keeping your current mortgage and using a HELOC makes more sense. Sometimes a cash-out refinance works better. Sometimes neither one does.

If debt payments are taking too big of a bite out of your monthly budget, message me. Let’s run the numbers and compare the options.

John Fleming
New American Funding
NMLS #1850409
865-745-5626

08/19/2026

A recent referral made me realize something I couldn’t ignore:

Caring about the client experience only goes so far if I don’t have the pricing, programs, technology, and support behind me to deliver the experience people deserve.

That realization played a big part in my decision to join New American Funding.

I’m genuinely grateful for my time at Cardinal Financial. I worked with some great people, built relationships I value, and learned a lot during my time there.

But when my branch leadership moved on, my day-to-day support structure changed. I became much more remote, and over time I realized how disconnected I had started to feel.

Then one of my Realtor partners referred me a client who was already working with another lender.

When I reviewed what that borrower had been offered, it drove something home for me. I needed to be somewhere that gave me more flexibility with pricing, more financing options, and more resources to advocate for the people who trust me with one of the biggest financial decisions of their lives.

That led me to New American Funding.

And within a very short time, I knew I had made the right move.

I’m back in a local office in Hardin Valley, but more importantly, I’m surrounded by support again.

When something comes up on a loan, I’m not waiting and hoping one person is available. I can call my manager Kris, reach out directly to coaches like Bryce and Liberty, jump into our support channels, or tap into regional resources.

That means when my client needs an answer, I have more ways to get one.

When a Realtor has a question, I have more resources to solve it.

And when a loan gets complicated, I have more people around me helping find the right path forward.

That matters to me.

I also now have access to financing options that open doors for borrowers I may not have been able to help before, including:

• Manual underwriting options for conventional loans
• One-time and two-time close construction financing
• VA construction and renovation loans
• USDA construction and renovation loans
• Reverse mortgages
• NAF Cash, which can help qualified borrowers compete as cash buyers

And there are more.

For my Realtor partners, NAF Connect also provides better visibility into the loan process, easier access to loan updates, and better opportunities for us to communicate and co-market together.

But here’s what I really want people to understand about this move:

I didn’t change what matters to me.

I still want to be the lender who answers the phone.

The lender who explains the mortgage process in a way that actually makes sense.

The lender who doesn’t disappear when the file gets difficult.

The lender who keeps looking for another legitimate path when the first option doesn’t fit.

And the lender who cares just as much about your experience getting to the closing table as I do about the closing itself.

What changed is that I now have more tools behind me to do it.

I feel supported again.

I feel connected.

I’m excited.

And I’m driven.

So if you’re thinking about buying, refinancing, building, renovating, exploring a reverse mortgage, or you’ve already been told you don’t qualify, don’t assume there isn’t another option.

Call me.

Sometimes a second set of eyes can change the entire conversation.

📞 865-745-5626

New chapter. Same passion. A whole lot more ways to help.

08/05/2026

🚨 CLEAR TO CLOSE! 🚨

Another loan has officially crossed the finish line! There’s nothing better than helping clients get one step closer to the closing table and their next chapter. 🏡🔑

Congratulations to everyone involved!

Who’s next to get their “Clear to Close”? Send me a message and let’s get started!

05/19/2026

Veterans and active-duty service members: did you know your VA benefit may be able to help you build a home, not just buy one?

One option that many people do not know about is a VA One-Time Close Construction Loan.

This type of financing can help eligible borrowers combine the construction loan and permanent mortgage into one process, instead of dealing with two separate loans and two separate closings.

For the right buyer, that can mean:

✅ Building a home that fits your needs
✅ Using your VA home loan benefit
✅ One closing instead of multiple closings
✅ A clearer path from construction to move-in

Every situation is different, and VA construction financing has specific requirements, but the result can be powerful: helping veterans explore building a home with a loan option designed around their service-earned benefit.

If you’re a veteran, active-duty service member, or know someone who is thinking about building, call me. I’d be happy to walk through the options.

05/14/2026

Getting ready to apply for a mortgage?

One of the best ways to help your loan process move smoothly is to have your documents ready upfront.

Here is a common document checklist to start with:

✅ 60 days of bank statements
✅ 30 days of pay stubs
✅ W-2s for all jobs held in the last two years
✅ Government-issued ID
✅ Divorce decrees, if applicable
✅ Any additional supporting documents requested for your loan program or situation

But here is the part that matters just as much:

Please provide full documents in PDF format, with all pages included and in order.

That means:

🚫 No screenshots
🚫 No pictures of individual pages
🚫 No missing pages
🚫 No cropped documents
🚫 No sideways or unreadable images

Even if a page says “intentionally left blank,” it may still need to be included. Underwriting needs to see the complete document, not just the pages that look important.

Think of your loan file like a story.

Your income, assets, employment, and supporting documents all help tell that story clearly. When documents are complete, organized, and easy to review, it helps reduce back-and-forth, prevent delays, and keep the process moving in the right direction.

Mortgage documentation can feel like a lot, but clean documents make a difference.

Full PDFs.
Pages in order.
Everything readable.

That is clean file energy. 🙂