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Cole Mertins Sr. Loan Consultant

  • NMLS # 1615432

About Cole Mertins

Cole Mertins is a Florida transplant from the mountains of West Virginia. He has lived in the Destin/Fort Walton Beach area since 2015 and now calls the Emerald Coast his home. After purchasing his first home in 2016, Cole became captivated and determined to begin a career in the mortgage industry. Cole is very passionate about helping customers understand the mortgage process and works to help them achieve the dream of home ownership. Cole's innovative approach to business, dedication to working as an integrated team, and commitment to providing outstanding customer services makes the mortgage process easy and enjoyable for everyone involved. Let Cole's ambition be your tool to a smooth and rewarding mortgage experience!


Top Rated
Mortgage Lender

4.9/5 Based on 269,421 Reviews


Company Culture

NAF360 is our commitment to 360 degrees of trust and respect

NAF360 is our strength of character. It starts with each of us and flows from one person to another. It’s the trust we build with our clients, an understanding we’re here to help. It’s our ongoing contributions to the local community, the assurance we extend a helping hand. NAF360 is felt in our offices, transmitted in every call, evident in every referral, and shines brightly in countless glowing reviews.

Pathway to HomeOwnership

Are you Ready?


At New American Funding, we believe that every person deserves a clear path to achieving their dream of homeownership. So, we created the Pathway to Homeownership initiative to alleviate some of your financial worries.


What is the Pathway to

Homeownership Initiative?


The Pathway to Homeownership offers qualified borrowers in select areas up to $8,000 in assistance. These funds are not a loan that needs to be repaid and are available to first-time homebuyers in designated areas.

This program can also potentially be combined with other down payment assistance programs to offer you even more support as you build the life of your dreams.

Contact me today for more information!

Family playing on the couch together

NAF Cash Can Turn You into a Cash Buyer

Interact with our map to track cash
Purchase trends across the country

With NAF Cash, you can make a competitive, true cash offer that is not contingent on financing and close in little as seven days without having to sell your current home first.

Source: This dataset combines data from Public Records and MLS transactions. The data lists the number of all-cash purchases and the total number of home purchases nationwide in 2023. (Cash purchase defined when a Property Sold record does not have a Mortgage Balance.) Data coverage is limited by available MLS coverage. Certain geographies like Georgia (especially Central GA) and Vermont were impacted by this data availability. Land sales and manufactured (MFR) home sales are excluded from the dataset.

Loan Products

Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.

Meet The Team

Cole Mertins
Cole Mertins

Sr. Loan Consultant

NMLS #1615432

Tel: (850) 460-1734

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You're In Good Hands!

4.99/5 Based on 62 reviews
5/5

Eric

Transaction Completed:
9/15/2023

"Cole Mertins was awesome. Very responsive and helpful."

Wesley Chapel, FL
5/5

Trevor

Transaction Completed:
9/6/2023

"Cole from the beginning of the home buying process was very honest and clear about the whole loan process. I was purchasing the home while I was deployed and he went above and beyond to work around my schedule and always responded very quickly. I will be using Cole for all my future home buying! True professional! "

,
5/5

Ignacio

Transaction Completed:
6/29/2023

"Very responsive. Always had the correct answers for the next step in the process."

Fort Walton Beach, FL
5/5

Danielle

Transaction Completed:
6/19/2023

"Knowledgeable, thoughtful, and timely. Everything was a breeze and everyone was very helpful!"

Niceville, FL
Location

New American Funding

Panama City Beach, FL

100 Richard Jackson Boulevard, ste. 130
Panama City Beach, FL 32407

Direct: 850-460-1734

Email: cole.mertins@nafinc.com

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