Choose Your Exact Term
Pick the number of years that fits your plan — commonly 8 to 30 — instead of only 15 or 30.
Your loan, your timeline. The I CAN Mortgage is a fixed-rate home loan from New American Funding that lets you choose a custom term — any number of years, not just 15 or 30 — so your monthly payment and payoff date fit the life you're planning.
The I CAN Mortgage is a fixed-rate home loan from New American Funding built around one simple idea: you choose your own loan term. Instead of being boxed into a standard 15- or 30-year mortgage, you pick the exact number of years — commonly anywhere from 8 to 30 — that lines up with your budget and your goals. Your interest rate stays fixed for the life of the loan, so your principal-and-interest payment never changes.
For a lot of Emerald Coast families, that flexibility is the whole point — setting a payoff date that matches retirement, a move, or simply being mortgage-free by a year that means something to you.
Pick the number of years that fits your plan — commonly 8 to 30 — instead of only 15 or 30.
Set a payoff date that lands with retirement, a college timeline, or whatever milestone matters most.
Refinancing? Match your remaining years instead of stretching back out to a fresh 30-year loan.
Whatever term you pick, your rate is locked for the life of the loan — a predictable payment you can plan around.
Three simple steps from “just looking” to keys in hand.
A quick pre-qualification gives you a clear price range and shows sellers you're a serious, ready buyer.
We'll compare custom terms side by side — how each one changes your monthly payment, payoff date, and total interest — so you can choose with confidence.
Once you've chosen your term, we lock your fixed rate and guide you through the rest of the application to closing.
Let’s find out if the I CAN Mortgage is the right fit for you. It takes just a few minutes — no obligation.