First Class Funding will always have better Home Loan Rates than the national average, because we represent a series of loans to the lender, not just one transaction. Secondly, First Class Funding will customizes all Loan Packages, by first understanding the borrowers needs and then recommending a solution. Once the solution is clear, we originate the loan to highlight that applicants strenghts, such as job stability, assets, credit and/or equity.

First Class Funding originates loans for everybody, even if you have had credit challenges or you are purchasing an Investment Property and are unable to verify your income. We even originate loans for individuals and families from other countries, with our Foreign National Program, which allows for a 25% down, Secondary Residence. Refinancing existing homes for debt consolidation and/or home improvements, still remains very popular, along with programs honoring our veterans.

Men and woman who served in our military, can qualify to buy a home with zero down and seller paid closing costs. The Federal Housing Administration, inside the Department of Housing and Urban Development, also provides excellent financing for buying a home or refinancing one. Both government sponsored loan programs provide high levels of financing, with low, fixed Interest Rates.

Additional Loan Programs, outside of Governement Loans, are being utilized as well, to help homeowners' decrease their payments. For example, many of our customers elect to apply for a 7 year fixed. This type of loan is beneficial, if you know that you will be "upgrading" in the next 5 to 7 years. By securing your rate for a shorer period of time, you actually get a lower rate, than the traditional 30 year fixed. In addition, their isn't any Pre Payment Penalties, hindering you from refinancing or selling your home.

The Mortgage Industry is changing daily and our company pledges to keep well informed of those modifications. In doing so, we will always be able to offer "rock solid" solutions. To apply and/or speak to a Mortgage Professional, please utilize the contact portion of the website, shown at the bottom of the page. We guarantee First Class Mortgage Programs, with First Class Customer Service and a First Class Result!