Thad Pracht, Sr Loan Officer since 1988

14/01/2026

One lender. Multiple loan options.

No two homebuyers—or projects—are the same. That’s why Thad Pracht offers a full lineup of loan solutions to fit your goals, whether you’re building new, renovating, refinancing, or purchasing.

From Extended Rate Locks and Float Down options to One-Time Close (OTC) construction loans and Renovation loans, Thad helps you find the right path with clear guidance and a smooth process from start to finish.

Not sure which option fits your situation? Let’s talk it through.

📞 Call/Text: (760) 672-9608
📩 Email: [email protected]

—

03/01/2026

Happy New Year!

As we step into a new year, I want to say thank you to every client, partner, and family who trusted me this past year. Your goals, your stories, and your homes mean more than you know.

Here’s to new beginnings, fresh opportunities, and helping more families reach homeownership in the year ahead. 🏡

Wishing you a happy, healthy, and prosperous New Year!

— Thad

02/01/2026

⭐️⭐️⭐️⭐️⭐️ Client reviews like this mean everything.

“I stayed with NAF because of Thad…” — and that’s exactly why Thad does what he does. From explaining documents to navigating rate changes and keeping the process moving during appraisals, his goal is always the same: clear communication, respect for your time, and a smooth loan experience.

If you want a loan officer who answers your questions, keeps you informed, and shows up when it matters most — you’re in the right place.

📞 Call/Text: (760) 672-9608
📩 Email: [email protected]

31/12/2025

🇺🇸 From Service to Homeownership — We Can Help You Get There. 🇺🇸

If you’ve served our country, you deserve a home financing option that serves you.
Thad Pracht proudly helps active duty military, veterans, and military families navigate the path to homeownership with confidence.

✨ VA Loan Benefits Include:
✔ No monthly mortgage insurance
✔ Competitive fixed rates
✔ Flexible credit guidelines
✔ Funding fee exemptions for qualifying borrowers

In addition to traditional VA loans, Thad also offers:
🏡 VA One-Time Close Loans — finance your land, construction, and mortgage with one loan
💵 NAF Cash — become an all-cash buyer to strengthen your offer

Whether you’re buying, building, or refinancing, Thad is here to make the process clear, smooth, and stress-free.

📩 Email: [email protected]

📞 Call/Text: (760) 672-9608

23/12/2025

Not sure which loan program is right for you? Let’s find the best fit! 🏠
Thad Pracht is here to help guide you every step of the way.

📞 (760) 672-9608
📧 [email protected]

18/12/2025

Before. During. Done. ✔️
This Claremore, Oklahoma living room got a full refresh—powered by smart financing with Thad Pracht Sr., Loan Officer.

16/12/2025

Before ➡️ After : This bathroom got a full transformation.

That helped finance every part of this project from a one time close loan, the land, the renovation and the mortgage. One loan one closing once we’ve processed from start to finish

Thinking about renovating or building your own dream space?

Comment info and I’ll send you the guide.

13/12/2025

84 likes, 12 comments. “Happy thanksgiving 🍽 🦃”

13/12/2025

One loan. One closing. That’s it.

Building a custom home doesn’t have to feel overwhelming. With an OTC loan, you get:
✨ One loan for your land, construction, and final mortgage
✨ One closing—no second appointment, no extra fees
✨ One streamlined, stress-free build

If you want your dream home without the chaos…
Comment “OTC” and I’ll send you everything you need to know.

12/12/2025

Building a custom home? Start with a lender who actually understands the process.

Meet Thad Pracht, your go-to loan officer for One-Time Close (OTC) construction loans. He works with buyers building custom homes, barndominiums, and clients purchasing land who want a smooth, all-in-one financing process.

A dedicated loan officer since 1988, Thad has decades of experience working with new homeowners and builders—and is committed to helping clients navigate the complexities of borrowing with ease and confidence.

Ready to start building?
DM “BUILD” to get pre-approved.

11/12/2025