Mortgage the Easy Way

Whether you’re looking for a new home, or exploring refinance options, you’re probably going to need a loan.

Cash-Out

Pay for Home Improvements or Consolidate Debt
A cash-out refinance converts the equity you have in your home into cash that you can use to pay for home improvements or pay off debts, such as on a second...

Refinance

Refinancing your home with First Funding, Inc. is a smart move
A home is the single largest asset many consumers have. Some borrowers refinance their mortgage to consolidate debt, access cash, lower their...

Buy A House

Quick Guide
Are you ready to commit?
Before you start thinking about mortgage rates or house hunting, ask yourself a few questions:

Will there be any major changes in your life soon?
Starting a family or...

Loan Types

To help you navigate the loan process, here are some common loan types:

Conventional

Conventional loans are obtained from mortgage lending institutions not backed by an agency of the government such as the U.S. Department of Veterans Affairs or the Federal Housing Administration. Conventional loans can be either conforming or non-conforming.

Conforming 

A conforming loan conforms to the guidelines set by Fannie Mae and Freddie Mac. The main guideline is the maximum loan amount. This amount can vary depending on the home’s location—for example, a house in a high-income area can be eligible for a larger loan than one in a general income area. Other qualification guidelines are concerned with the borrower’s debt-to-income ratio, loan-to-value ratio and credit history.

Non-Conforming

Non-conforming loans do not conform to the qualifications and guidelines set by Fannie Mae and Freddie Mac corporations. If you require a loan larger than a conforming loan, you will be looking at non-conforming loans, such as jumbo loans.

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Loan Programs

Non-Prime Loans For Those With Credit Events
Government Loan Programs
Fannie Mae & Freddie Mac

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