Loan Types

HOME LOAN OPTIONS

Whether you’re a new home buyer looking for a first time mortgage or needing to refinance your home mortgage, there are hundreds of types of mortgages and refinancing loan options available, each with their own qualification and terms.

Luckily, you don’t have to face it alone. At The Funding Group, we understand that there is no one size fits all solution to home financing.

Our experienced mortgage experts will work with you to find the best types of mortgages for your individual needs. For those buying a home, we offer free up-front credit approvals and fast on-time closings to make your loan as simple and easy as possible.

Fixed Rate Loans

With a Fixed Rate Loan, your interest rate and monthly payment will remain the same even if market rates increase.

This loan is the most popular home loan because it offers the security of knowing exactly what your mortgage expenses will be for the entire length of the loan. We provide both 30 Year Fixed Rate Loans and 15 Year Fixed Rate Loans.

FHA Loans

These are federally insured loans that offer financing to people who may struggle to qualify for traditional loans.

Typically, FHA loans require little to no down payment, and feature flexible terms, making them popular among first-time home buyers and those with less-than perfect credit.

Home Improvement Loans

Finance alterations, remodeling or structural improvements with one of our Home Improvement Loans.

These loans allow your mortgage balance to exceed the purchase price or appraised value of the home, so you can take out extra money for upgrades.

Jumbo Mortgage Loans

Conventional loans are often not enough to cover the financing for high-priced luxury homes.

A Jumbo mortgage is a privately securitized mortgage with higher payouts that can be used to finance up to 97 percent of your new home.

Reverse Mortage Loans

Seniors aged 62 and over are able to convert the equity in their homes to monthly income or a line of credit.

Reverse Mortgages can also be used to purchase your retirement home.

VA Loans

Active duty military personnel and veterans can qualify for special mortgage rates and housing programs that are federally insured by the United States Department of Veterans Affairs.

No Tax

Return Loans

Ideal for investors who are self-employed or retired.

FOREIGN NATIONAL PROGRAM LOANS

From $500K to $25 million.

COMPLEX AND INTEREST ONLY LOANS

Including no tax return and balance sheet loan programs.

Apartment and Commercial Loans

Niche multi-family and commercial property programs.

 

Investment Property Loans

Ideal for investors who are self-employed or retired.

Bridge Loans

High-end residential developer financing and bridge loans.

Home Affordable Refinance Program (HARP) Loans

The updates to the government’s Home Affordable Refinance Program, termed HARP 2.0, helps homeowners, that were previously unable to refinance due to loan-to-value guidelines, take advantage of today’s low interest rates.

Testimonial

Wesley and his team (Sara) are outstanding professionals. I could not have been happier working with Wesley. He is the best mortgage broker I have ever worked with; and his team is so professional they take care of every detail throughout the process. I can’t express how happy and appreciative I am to have worked with Wes. He is simply the best mortgage broker on the Westside of Los Angeles.

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An interest rate is an additional percentage charge to the amount of the loan you owe a lender. The mortgage rates are almost identical. They are a percentage of the loan amount. The mortgage rate for different products will vary depending on who you are...

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Why Choose Us

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Every program available to close a loan (Full Doc with low rates, Jumbo lending, Full stated products or Non-QM with bank statement program or DSCR program

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Been in business since 2003 so have the knowledge of structuring hard to close loans

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Upfront and tell it how it is

Frequently Asked Questions

What is the lowest fico you accept ?

580 credit score

What is the minimum down payment?

10% on Jumbo and 5% for conventional

Do you have programs that don’t require tax returns?

Yes, bank statement and DSCR program and full stated program

Start Your Loan Application

Ready to start your loan application process? Simply fill out this contact form and one of mortgage brokers will be in contact with you in a timely manner.

At The Funding Group we deliver the absolute best lending experience through knowledge, communication and care.

Our mission supports the growth and strength of our communities and provides a pathway to the dream of home ownership.

Address

451 N Canon Dr Suite 1
Beverly Hills California 90210

Email

wesley@thefundinggroup.com

Phone

(310) 903-2269

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