Joyce Kulakowski
Sr. Loan Officer
New American Funding is a family-owned business, dedicated to helping other families and individuals improve their quality of living. We’re a Fannie Mae, Freddie Mac, and Ginnie Mae direct lender, seller, and servicer, and even though we ha... Show More
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It was very hard to reach Stephanie during regular hours and email was the only way she seemed to reply to me. There was a lot of last minute documents she always seemed to need and we didn't get the documents to close until the day of closing...
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Reply from Joyce Kulakowski
May 12th, 2026 03:20 PM
We sincerely apologize that your loan experience with our company was anything less than satisfactory. Please contact our Customer Service ********************* as we would like to address your concerns.
Answering the phone was pretty consistent, but we were expected to sign documents that were not on our terms at the beginning. Their information either had errors or changed information that we agreed to when we were supposed to sign. We signed...
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Reply from Joyce Kulakowski
May 11th, 2026 07:24 PM
Samarah, I appreciate you sharing your experience. I'm sorry to hear about the issues with the documents and any inconvenience it caused. I'm glad we were able to align on terms eventually. If you have more to discuss or need further assistance,...
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You guys were able to get the deal closed in 3 weeks and 3 days. Plus, you were able to get my clients a better deal than they anticipated! Loved your efficiency and the concern you shared regarding my clients!
Communication and was very efficient with the process.
Everything
Reply from Joyce Kulakowski
April 10th, 2026 04:21 PM
I appreciate your rating, Benjamin. If there's anything further you'd like to discuss or explore about your experience, please feel free to reach out.
Communication was not always ideal, but I know Joyce worked incredibly h*rd on this file to get our buyer approved and closed
Was a good first experience for me
Reply from Joyce Kulakowski
February 24th, 2026 08:00 PM
Shaun, I'm glad to hear that your first experience went well. If you have any questions or need further assistance, feel free to get in touch.
Joyce is amazing at what she does. Always had an answer to my questions and so easy to get in touch with. She kept me sane during the whole process of purchasing a home. tha I you Joyce!
Reply from Joyce Kulakowski
February 16th, 2026 05:47 PM
Kristin, I'm pleased to know that I could support you throughout your home-buying journey. Keeping you informed and at ease during the process is always my goal. Your kind feedback means a lot, and if there's anything else you need, feel free...
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Joyce and Lena were very professional and customer service oriented! They were very quick to respond and help me through the process! Joyce was extremely helpful in helping me think about my rate as it applied to my specific circumstances!...
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Reply from Joyce Kulakowski
January 16th, 2026 02:56 PM
Thank you for your kind words, Donald. I'm glad to hear that you felt supported throughout the process and that I could assist with the rate considerations for your specific needs. It's great to know that you had a positive experience and are...
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Andrew sending request and responding to emails before 10pm would of made the experience better. Joyce was quick to respond anytime of day when we had questions and her overall demeanor was great. It felt like Joyce was there when we needed...
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Reply from Joyce Kulakowski
December 8th, 2025 04:28 PM
Thank you for sharing your experience you had with New American Funding. Customer satisfaction is our main priority and your feedback is greatly appreciated.
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About
New American Funding is a family-owned business, dedicated to helping other families and individuals improve their quality of living. We’re a Fannie Mae, Freddie Mac, and Ginnie Mae direct lender, seller, and servicer, and even though we have thousands of employees, we’re a family.
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Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
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NMLS Consumer Access © 2026 New American Funding, LLC. All Rights Reserved.
NMLS ID#6606.
Corporate Office: 1 MacArthur Place, Suite 800, Santa Ana, CA 92707. 800.450.2010
Licensing
NMLS ID#6606.
Corporate Office: 1 MacArthur Place, Suite 800, Santa Ana, CA 92707. 800.450.2010
Licensing