John Fleming NMLS 1850409 New American Funding NMLS 6606

John Fleming NMLS 1850409 New American Funding NMLS 6606 Equal Housing Lender

A recent referral made me realize something I couldn’t ignore:Caring about the client experience only goes so far if I d...
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.

🚨 CLEAR TO CLOSE! 🚨Another loan has officially crossed the finish line! There’s nothing better than helping clients get ...
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!

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

Buying a home or thinking about refinancing? I’d love to help you understand your mortgage options and find a path that ...
05/12/2026

Buying a home or thinking about refinancing? I’d love to help you understand your mortgage options and find a path that fits your goals.

Whether you’re a first-time buyer, moving up, investing, or just exploring what’s possible, I’m here to answer questions and guide you through the process.

Message me anytime. I’d be happy to help!

Most people hear “100% financing” and think they’re ready to buy.That’s not usually how it works.Yesterday I talked abou...
05/07/2026

Most people hear “100% financing” and think they’re ready to buy.

That’s not usually how it works.

Yesterday I talked about buying a 1–4 unit property with 100% financing.

Here’s what people don’t realize:

Just because a program exists…
doesn’t mean it fits your situation today.

I talk to buyers every week who:

Have good income but too much debt
Have savings but credit needs work
Think they’re ready but haven’t looked at the full picture

And that’s okay.

The goal isn’t to rush into a house.

The goal is to put you in a position where it actually works long-term.

Sometimes that’s now.
Sometimes that’s a few months from now with a plan.

If you’re serious about buying—even if you’re not sure you qualify—call me.

Let’s look at your situation and figure out what makes sense.

📞 865-745-5626
🌐 johnflemingcardinalfinancial.com

Want to own a duplex, triplex, or even a 4-unit property… with 100% financing? 🏡💰With Cardinal Financial’s Elite Loan Pr...
05/06/2026

Want to own a duplex, triplex, or even a 4-unit property… with 100% financing? 🏡💰

With Cardinal Financial’s Elite Loan Program, qualified buyers may have access to 100% financing options on 1–4 unit properties—meaning you could buy a home AND start building rental income at the same time.

👉 Live in one unit
👉 Rent out the others
👉 Let your property help pay your mortgage

This is one of the most powerful ways to get started in real estate investing, even if you’ve been told you need a large down payment.

📲 Let’s run the numbers and see what you qualify for.

John Fleming
📞 865-745-5626

Norma Jean Elkins .hallatt  Huge congratulations to these two amazing agents on getting this one Clear to Close! 🎉🏡Your ...
05/05/2026

Norma Jean Elkins .hallatt Huge congratulations to these two amazing agents on getting this one Clear to Close! 🎉🏡

Your hard work, dedication, and commitment to your clients truly show in every step of the process. From start to finish, you both made it happen, overcoming challenges, staying on top of every detail, and delivering for your buyers and sellers.

It’s always a pleasure working with professionals who care this much. Well deserved, here’s to another successful closing! 👏

Address

1606 Schaeffer Road Suite 300
Johnson City, TN
37932

Opening Hours

Monday 8:30am - 9pm
Tuesday 8:30am - 9pm
Wednesday 8:30am - 9pm
Thursday 8:30am - 9pm
Friday 8:30am - 9pm
Saturday 9am - 9pm
Sunday 9am - 9pm

Telephone

+18657455626

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