NAF lays off 160 employees in consumer direct division
Educational
HousingWire reports that NAF has laid off 160 employees in its consumer direct division, with the lender attributing the cuts to current mortgage market conditions. The reduction reflects broader pressure on mortgage operations as originators adjust staffing levels to match slower volume. For employees affected and for borrowers who may have been working with that division, the move signals a contraction in one channel of mortgage access at a time when many are already navigating a challenging rate environment.
The situation leaves borrowers and investors in a market where familiar pathways are narrowing, and where personal guidance through complex financing has become harder to secure. loantrust.ai operates in this environment as an Atlanta-based mortgage brokerage built around a different structure: one licensed MLO personally packages every loan, with no call center layer between borrower and originator. For investors especially, that direct relationship supports navigation of DSCR programs, fix-and-flip and bridge financing, new construction loans, multifamily products, and bank-statement qualification for self-employed borrowers—programs that require strategic alignment rather than scripted intake.
What matters now is continuity of access and clarity of process at a moment when both are thinning elsewhere. Borrowers who need financing structured around property cash flow, renovation timelines, or non-traditional income documentation face enough variables without adding institutional instability to the list. A model that keeps the same licensed originator attached to the file from packaging through close offers a counterweight to that instability—not as a guarantee, but as a deliberate alternative to the fragmentation the market is currently producing.
Source: HousingWire, “NAF lays off 160 employees in consumer direct division”. Read the original →
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Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.