Give your homebuyers the competitive edge they need in today's housing market. NAF Cash allows qualified buyers to make non-contingent cash offers, helping them stand out from the competition and close on their home with confidence. Fast approvals, flexible terms, and the backing of New American Funding's trusted expertise.
No SSN required. Zero credit impact. It takes less than 1 minute.
Key Benefits
Make stronger, cash-backed offers
Close in as few as 10 days
No financing contingency needed
Seamless conversion to permanent financing
About Me
Heather Fitz-Gustafson
Sr. Mortgage Advisor
With 11 years in the mortgage world, I’ve just about seen it all—and still love what I do every day. I’m licensed in Oregon, Washington, Idaho, South Dakota, Arizona, and California, helping clients across the West find the perfect loan with clarity, confidence, and maybe a little humor along the way. When I’m not working numbers, you’ll find me surrounded by my little farm crew: two Dobermans, my horses, and a goat with plenty of person...
With 11 years in the mortgage world, I’ve just about seen it all—and still love what I do every day. I’m licensed in Oregon, Washington, Idaho, South Dakota, Arizona, and California, helping clients across the West find the perfect loan with clarity, confidence, and maybe a little humor along the way.
When I’m not working numbers, you’ll find me surrounded by my little farm crew: two Dobermans, my horses, and a goat with plenty of personality. I’m also busy cheering for the Oregon Ducks (once an athlete, always an athlete!) and spoiling my two favorite humans—my nieces.
Whether you’re buying, refinancing, or just exploring options, I’m here to make the mortgage process simple, smooth, and maybe even enjoyable.
Customer Reviews
Our Customers Love Us!
4.9/5Based on 20 reviews
The quickness and simplicity of everything that I had to do
4.8
Nicholas S.
3/27/2026The Dalles, OR
The quickness and simplicity of everything that I had to do
4.8
Nicholas S.
3/27/2026The Dalles, OR
Heather was over the top AMAZING all the way through this transaction. She was quick and efficient with all communication, she made her needs very clear in concise communication that made getting her what she needed very easy. We were able to close in record time! I am still shocked we closed so fast.
5.0
Rhonda O.
3/9/2022Mesa, Arizona
HEATHER! She was absolutely amazing!! This process was so fast & seamless! All because of her. I truly felt like she did everything in her power for me! She went out of her way to make my home purchase work. She rolled with the punches and made it happen. She was a great communicator and very personable. She answered every call, email, and text in a very timely manner. She answered every question! Even shared a few laughs. I could not have picked anyone better for this experience. I have already shared her contact information with a few friends and would recommend her to anyone In the future.
5.0
Janeya O.
2/28/2022Mesa, Arizona
Heather was there every step of the process. I was a loan processor and loan officer 40 years ago and have purchased or sold my last home over 20 years ago. The process is so different now and Heather was right there to help and guide the whole time. She worked with my realtor and the escrow officer which made the experience easier than I had expected. I thank her so much. If I were ever to buy another house I would definitely used Heather as my loan officer.
5.0
Linda M.
2/18/2022The Dalles, OR
Heather communicated with us great, making sure to keep us updated with current progress being made. She made sure to explain any documents or processes we had questions about to make sure we understood what we were signing and to give us the best experience.
5.0
Dru F.
1/29/2022Estacada, OR
I highly recommend Heather, she was very professional and courteous. We are very happy and satisfied with the whole process from beginning to the end. Thank you Heather!!
5.0
LaDonna M.
9/22/2025
Heather is the best in the industry. She just finished closing my nephew with his first home purchase and myself in a cash out refinance on an investment property. Whether you're a first time home buyer or seasoned real estate investor, Heather will get your loan closed FAST.
5.0
Dan T.
8/13/2025
The quickness and simplicity of everything that I had to do
4.8
Nicholas S.
3/27/2026The Dalles, OR
The quickness and simplicity of everything that I had to do
4.8
Nicholas S.
3/27/2026The Dalles, OR
Heather was over the top AMAZING all the way through this transaction. She was quick and efficient with all communication, she made her needs very clear in concise communication that made getting her what she needed very easy. We were able to close in record time! I am still shocked we closed so fast.
5.0
Rhonda O.
3/9/2022Mesa, Arizona
HEATHER! She was absolutely amazing!! This process was so fast & seamless! All because of her. I truly felt like she did everything in her power for me! She went out of her way to make my home purchase work. She rolled with the punches and made it happen. She was a great communicator and very personable. She answered every call, email, and text in a very timely manner. She answered every question! Even shared a few laughs. I could not have picked anyone better for this experience. I have already shared her contact information with a few friends and would recommend her to anyone In the future.
5.0
Janeya O.
2/28/2022Mesa, Arizona
Heather was there every step of the process. I was a loan processor and loan officer 40 years ago and have purchased or sold my last home over 20 years ago. The process is so different now and Heather was right there to help and guide the whole time. She worked with my realtor and the escrow officer which made the experience easier than I had expected. I thank her so much. If I were ever to buy another house I would definitely used Heather as my loan officer.
5.0
Linda M.
2/18/2022The Dalles, OR
Heather communicated with us great, making sure to keep us updated with current progress being made. She made sure to explain any documents or processes we had questions about to make sure we understood what we were signing and to give us the best experience.
5.0
Dru F.
1/29/2022Estacada, OR
I highly recommend Heather, she was very professional and courteous. We are very happy and satisfied with the whole process from beginning to the end. Thank you Heather!!
5.0
LaDonna M.
9/22/2025
Heather is the best in the industry. She just finished closing my nephew with his first home purchase and myself in a cash out refinance on an investment property. Whether you're a first time home buyer or seasoned real estate investor, Heather will get your loan closed FAST.
Get started with a custom mortgage rate quote today!
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No SSN required. Zero credit impact. It takes less than 1 minute.
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