Our Mission

At Cross State Funding, we believe getting a mortgage in Buffalo and Western New York should be exciting — not stressful. Whether you’re a first-time homebuyer, upgrading to your dream home, or exploring a refinance, our local team is here to guide you every step of the way.

As a family-owned Buffalo mortgage broker, we specialize in FHA, VA, USDA, Conventional, and 1% Down programs tailored to fit your goals. With no confusing jargon or hidden surprises, we deliver transparent advice, competitive rates, and personalized mortgage solutions that help Western New Yorkers turn homeownership dreams into reality.

Why Choose Us?

We’re not your typical 9-to-5 mortgage company. At Cross State Funding, you’ll always have direct access to your loan officer — by call or text — because questions don’t always wait for business hours.

As one of Western New York’s top-rated mortgage brokers, we combine local knowledge with cutting-edge technology to make the process faster and simpler. Our team proudly serves Buffalo, Niagara Falls, Amherst, Tonawanda, and all surrounding communities, helping homeowners and buyers across New York, Florida, and California achieve their goals.

With us, you’re not just getting a mortgage — you’re gaining a trusted partner dedicated to your long-term financial success.

Cross State Funding: Your Home. Your Goals. Our Expertise.