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Aegis Loan Officer of Choice
Patty Gadd
Loan Consultant · New American Funding
The trusted lending partner of Aegis Real Estate & Investments. Patty pairs personalized guidance with the full product strength of New American Funding to help California buyers, move-up clients, and investors finance with confidence.
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Lending That Moves at the Speed of Your Goals
[Bio paragraph one — Patty's background, years of experience, what drew her to the mortgage industry, and how long she has served California families and investors. Aim for 3–4 sentences that establish credibility and warmth.]
[Bio paragraph two — Patty's specialty areas (e.g., first-time homebuyers, jumbo, self-employed borrowers, investment property financing), her local market knowledge, and the values that guide her client work. 3–4 sentences.]
[Bio paragraph three — Why she partners with Aegis specifically: shared standards, decades of trust, and a commitment to client outcomes that runs deeper than any single transaction. 2–3 sentences.]
A Lending Partner Who Closes With You
Aegis has spent four decades earning the trust of California families and investors. The lending partners we recommend have to meet that same standard. Patty does — and our clients feel the difference at every step of the transaction.
Coordinated, Not Siloed
Patty works directly with your Aegis advisor from the first conversation through close. No back-and-forth between teams that don’t talk to each other — just one coordinated transaction with clear communication every step of the way.
Local Expertise, National Strength
Patty knows the Orange County, LA, and Riverside markets the way Aegis does. She combines that local fluency with the full product depth of New American Funding, one of the country’s largest independent mortgage lenders.
Programs for Every Buyer
From first-time homebuyers and move-up families to jumbo, VA, and investment-property clients, Patty has access to the loan products and underwriting flexibility to match the right program to the right client.
On-Time, Every Time
Sellers and listing agents notice when financing closes on schedule. Patty’s reputation for hitting close dates is one of the reasons Aegis trusts her with our most important transactions.
Financing Options Patty Works With
A snapshot of the programs Patty originates through New American Funding. Patty will recommend the right fit after a no-obligation conversation about your goals, timeline, and financial picture.
Conventional
Fixed and adjustable-rate loans for primary residences, second homes, and qualifying investment properties. Competitive rates and flexible down-payment options.
Jumbo
Loan amounts above conforming limits for California’s higher-priced markets. Tailored underwriting for high-net-worth and self-employed borrowers.
FHA
Government-backed loans with lower down-payment requirements, ideal for first-time buyers and clients rebuilding credit.
VA
Zero-down financing and competitive terms for active-duty service members, veterans, and qualifying surviving spouses.
Investment & DSCR
Financing structured around the cash flow of the property, supporting investors growing or refinancing their California portfolios.
Refinance
Rate-and-term and cash-out refinance options to reduce monthly payments, consolidate debt, or unlock equity for the next move.
Programs subject to borrower qualification, property eligibility, and current New American Funding guidelines. Not all applicants will qualify. Rates and terms may change without notice. By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
Temporary 2027 Conforming Loan Limits
More buying power for Fannie Mae and Freddie Mac loans. New American Funding temporary limits are effective September 21, 2026 while FHFA’s official 2027 limits are still pending.
| Units | Contiguous U.S. | Alaska / Hawaii |
|---|---|---|
| 1 | $845,000 | $1,267,500 |
| 2 | $1,081,950 | $1,622,925 |
| 3 | $1,307,800 | $1,961,700 |
| 4 | $1,625,350 | $2,438,025 |
Important Program Notes
- High-balance / high-cost areas are not eligible.
- NAF product loans may not fund before November 2, 2026.
- Full appraisal required; appraisal waivers / ACE are not permitted.
Want to see what this could mean for your buying power? Call Patty at (562) 708-1222 or email patty.gadd@nafinc.com.
How Aegis & Patty Work Together
A clear path from first conversation to closing day — with both your real estate advisor and your loan officer rowing in the same direction.
Pre-Qualify With Patty
Quick, confidential conversation to review your goals, run the numbers, and issue a pre-qualification letter you can shop with.
Find Your Property With Aegis
Your Aegis advisor identifies properties that fit your goals and budget — and structures offers with the credibility a Patty pre-qual gives you.
Lock & Underwrite
Once you’re in escrow, Patty locks your rate, manages underwriting, and coordinates directly with your Aegis team to keep close on track.
Close & Beyond
You close on time. And because Aegis and Patty think long-term, both teams remain a resource for refinances, future moves, and portfolio growth.
What Patty’s Clients Say
Real feedback from California buyers and investors who closed with Patty.
“[Testimonial one — 2–3 sentences about a specific moment Patty made the difference: communication, problem-solving, hitting a tight close, etc.]”
“[Testimonial two — ideally from a different borrower profile to show range: first-time buyer, jumbo, investor, or self-employed.]”
“[Testimonial three — ideally from an Aegis agent or co-listing partner speaking to how she works alongside the real estate team.]”
Testimonials reflect individual client experiences and are not a guarantee of future results. Loan approval and terms depend on borrower qualification.
Two Easy Ways to Reach Patty
Apply directly through Patty’s secure New American Funding portal, or start with a no-pressure conversation through Aegis.
Reach Patty Directly
- Direct Phone
- (562) 708-1222
- patty.gadd@nafinc.com
- Apply Online
- newamericanfunding.com/mortgage-loans/pattygadd
- NMLS ID
- 485809
Start Through Aegis
Prefer to talk it through with your Aegis advisor first? We’ll connect you with Patty after we’ve aligned on your goals, timeline, and price range.
- Aegis Office
- (714) 590-9977
- info@aegisrealtor.com
- Office
- 10362 Vic Pl., Garden Grove, CA 92840
Mortgage Lending Disclosures
Patty Gadd is a licensed Mortgage Loan Originator with New American Funding. Mortgage application, processing, underwriting, and lending services are provided exclusively by New American Funding. Aegis Real Estate & Investments, Inc. is a separate and independent entity and does not originate loans, lock interest rates, or guarantee approval, terms, rates, or program eligibility. Aegis recommends Patty to its clients based on her track record and is not compensated by New American Funding for referrals.
NMLS: Patty Gadd, NMLS ID 485809 · New American Funding, NMLS ID 6606 (nmlsconsumeraccess.org)
State Licensing (California): Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law license. Licensing for all states: newamericanfunding.com/legal/state-licensing.
Equal Housing Opportunity. This is not a loan commitment or guarantee of any kind. Terms and conditions apply. Subject to borrower and property qualifications. Not all applicants will qualify. Rates and terms are subject to change without notice. By refinancing your existing loan, your total finance charges may be higher over the life of the loan. All mortgage loan products are subject to credit and property approval. © 2026 New American Funding, LLC. NMLS ID #6606. nmlsconsumeraccess.org. 1 MacArthur Place, Suite 800, Santa Ana, CA 92707. newamericanfunding.com. (800) 450-2010.
For complete licensing, disclosures, and the most current rate and program information, visit Patty’s New American Funding page: newamericanfunding.com/mortgage-loans/pattygadd.
This page is for informational purposes only and is not a commitment to lend or an offer to extend credit. All loans are subject to borrower qualification, property eligibility, appraisal, underwriting, and current program guidelines. Rates and terms are subject to change without notice. By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
Equal Housing Lender