Speak with a Mortgage Banker 1 877 234 1898
  • 						No matter what type of loan you need, we're with you every step of the way.
    No matter what type of loan you need, we're with you every step of the way.
  • 						Let us be the stepping stone to the home of your dreams.
    Let us be the stepping stone to the home of your dreams.
  • 						We make Refinancing a breeze!
    We make Refinancing a breeze!
Become a HomeownerGet pre-qualified for your new home.

Find out what type of home loan you qualify to receive within minutes. this way you know how much purchasing power you have available

Refinance your Mortgagesave hundreds on your monthly payments

Find out what type of home loan you qualify to receive within minutes. this way you know how much purchasing power you have available

Welcome to Cross State Funding

Mortgages from Coast to Coast

Looking for a home loan in New York or California? Cross State Funding is a mortgage resource local to Buffalo, New York, but licensed in both New York and California to assist you with securing new home financing. 

Call us directly to see how we can provide quality service and timely closings for East and West Coast funding: 877 234 1898

Our Home Loan Programs

  • FHA Loans - 3.5% down payment minimum! Includes 203k Renovation loan product for home improvement projects and more.
  • VA Loans - No money down, and competitive rates for veterans.
  • USDA - No money down, and up to 102% financing available (Ask for more information).
  • HomePath - Get flexible financing for REO properties.
  • Jumbo - Shopping the luxury market? Request a consultation with a jumbo specialist. 
  • Refinance - We offer mortgage refinancing for any of the programs above, as well as HELOC and HARP for underwater mortgage borrowers who need to lower their rate. 

Inquire or Apply Online

We work hard to ensure you have a safe, low maintenance experience with Cross state Funding. Get a free mortgage Quick Quote or apply now with our 100% secure online 1003 Application Form. We look forward to getting you into your new home, fast!

Serving all of New York and California, including our specialty areas:

Buffalo- Rochester - Syracuse - Albany - Brooklyn - Los Angeles - San Francisco - San Diego

 

 

Recent Articles

May
18
2017
Buying a home with less than 20% down might be easier than you think
One of the most common assumptions we hear is that “you need 20% cash down payment in order to buy a home”. This couldn’t be further from the truth –  there are many different lenders and loan programs that require little to no down payment, regardless of...
May
10
2017
Multifamily Homes: Let Someone Else Pay Your Mortgage
Most home owners dream of the day 15- or 30-years down the line when they will be living mortgage free. But why wait that long? What if you could live essentially mortgage-free from day one, while building equity and saving money? Purchasing a multifamily home and living in one unit while...
May
01
2017
Can you negotiate closing costs?
Many home buyers and sellers assume that closing costs are a set part of your total home purchase or sale price, and don’t give these fees (which can sometimes be thousands of dollars) much of a second thought. Whether you are looking to buy or sell a home, you want to make sure that you...
Apr
26
2017
Mortgage Loans for All Income Levels!
If you dream of home ownership but don’t think that you make a high enough salary or bring in enough yearly income to qualify for a mortgage, read ahead! Home ownership may be closer than you think, regardless of your income. Buying with 20% down payment? The National Association...