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
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.“
Blog
Our Newsletter
How High Will Mortgage Interest Rates Go?
Although the low mortgage rates for the last year have provided some financial relief to homeowners in hot housing markets, that trend is unlikely to continue into 2022. The mortgage rates have risen steadily from 2.67% in January 2021, to 3.12%...
Amazing Tips for Getting a Home Mortgage in 2022
Are you looking to purchase a home this year? Here are some tips to help you increase your chances of success with the mortgage process. Is 2022 a better time than 2021 to buy a house? It's difficult to say. The year has seen a lot of housing inventory...
Tips On Helping You Determine When You Should Refinance Your Mortgage
You should carefully consider when your mortgage should refinanced. If you have a large mortgage, refinancing your mortgage could help you save significant monthly money. When deciding whether to refinance your mortgage or not, it is important that you ask these...
Why Choose Us
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
Been in business since 2003 so have the knowledge of structuring hard to close loans
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
wesley@thefundinggroup.com
Phone
(310) 903-2269
