Your Mortgage Made Easy
Get your easy, hassle-free, digital mortgage here.
Welcome to Cross State Funding
Mortgages from Coast to Coast
Looking for an experienced mortgage broker with a high level of integrity and outstanding service? Look no further. See our verified reviews from hundreds of actual clients.
We utilize the latest state of the art digital pricing engine to satisfy the most demanding rate and fee shoppers. More than 20,000 mortgage rate matrixes are imported daily. Don't have perfect credit? Our loan elidgability engine will find the perfect lender for your specific needs. From the A++ clients to the not so perfect buyers Cross State Funding has the best solution for you!
Cross State Funding is a mortgage resource local to Buffalo, New York, but licensed in New York, Flordia and California to assist you with securing home financing.
Call us directly to see how we can provide quality service and timely closings for East and West Coast funding: 1-877-234-1898.
Our licensed loan originators are available after hours. Please find one on this site and call them directly on their cell phone anytime you need assistance or have questions. We work the same hours as your real estate agents do. This is the only way to provide the high level of service our clients rave about.
Check out our verified reviews on this site or go to Zillow.com to see hundreds more!
Our Home Loan Programs
- FHA Loans - ASK ABOUT DOWN PAYMENT ASSISTANCE PROGRAMS.
- VA Loans - OUR SPECIALITY. PROUD MEMEMBER OF CALVET.
- 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 , Florida and California, including our specialty areas:
Buffalo- Rochester - Syracuse - Albany - Brooklyn - 5 NYC boroughs - The entire state of Flordia - The entire state of California.
FULL SERVICE IN NY, CA & FL.
What Our Customers Are Saying
"EXTREMELLY HAPPY Our experience with Carol Hilliard and the entire team over at Cross State Funding was first rate and we strongly recommend them. Carol worked tirelessly behind the scenes making sure that we got the best mortgage for our needs, and at the most competitive rate. We especially appreciate how the team explained everything to us and that someone was always available to answer our questions. This is our second positive experience with Cross State Funding and we will definitely use them in the future if we have mortgage needs."
"I saw Joe through some Facebook ads and got in touch with him. He was quick to respond, easy to talk to and make the whole process stress free. Originally I had my mind made up on the loan I wanted and the rate I was comfortable with. After talking with Joe he gave me a few options that I hadn't considered. We ended up closing cheaper than expected and my interest rate was lower than I thought. More cash in my hands for moving and renovating is NEVER a bad thing!! I never felt pressured to make any moves I wasn't comfortable with, but after one conversation with Joe it was clear he is well versed in what's out there. He was thorough and quick and had my back every step of the way. Closing was smooth because Joe put the work in early so that every detail was covered by the time I had to sign my name. I'd highly recommend Joe to anyone buying whether it's your first home or your upgrading. "
Cape Coral FL
"Tarek goes above and beyond! Tarek was extremely helpful during the entire loan process! He made himself available to answer any questions /concerns during business hours as well as nights and weekends. Thanks to Tarek, the entire process went smoothly as expected. Service date - 8/2019"
"BEST LENDER Joseph Parrott and David Ruta from Cross State Funding. One of the most trusted Leaders that I came across helped my family achieve our first home and also helped my mother as well....I highly recommend him. He is more than qualified. Thanks! Closed 9/2019"
Palm City FL
"The whole process was quick and easy our lender was always there to answer our questions and I highly recommend Jesse Meyer to anyone looking for a great lender. My rate was lower than expected. Closing costs were as expected. Closed - 6/2019"
"Received this card today from very happy clients! Thank you Monique and Mike and I am so glad you are thrilled with your new home! It was a pleasure working with you!"
"A Miracle Worker From the very first day that I contacted Jesse and his team, they worked harder than I ever seen any company work. I mean when credit wasn't where it needed to be he called me with bad news but already had a solution in place. When I needed to have money in a certain place he called to ensure that I had time to get it where it needed to be. Never making me feel bad through this process. It was a extended process but thank God for Jesse and his team for always being considerate of my feelings my overbearing calls and a million question in regards to the same thing. If I had to redo this process I wouldn't want to do this with any other company but Cross State Funding. Thank you for taking my message and turning it into a miracle."
"My wife and I just relocated from Colorado to California and bought our first house during the moving process. Cross State Funding was so helpful. They communicated frequently with us and did their best to get us a great interest rate (which they did). They made sure we understood all the paperwork along the way. Every little detail was handled and explained. As first time home buyers we were honestly nervous and confused the people at Cross State Funding were fantastic. I would recommend them over and over, and if we buy again they will be the company we will reach out to. Rate and fees were lower than expected. We closed 5/2019"
"I had my first experience buying a home this year, and I cannot say enough good things about the process with this team! Everyone was so on top of it. I am very type A and a do-er and when I want done, I want it done yesterday! Everything and I mean everything was done without me even asking, or even having to think. My family was completely taken care of, I still am I awe!!!! I would do it over again a thousand times! I mean who else says that, when it comes down to buying a home!? I could not be happier with the service and help. I truly feel grateful and so blessed that I found such a wonderful team!"
"Jesse took the time to get us where we needed to be to get a mortgage. Going in to this was a ton of uncertainty but him and his firm made us feel completely comfortable that under their guidance a mortgage loan was going to happen. And it did...….closed 8/19"
"GREAT EXPERIENCE! Jesse from Cross State Funding was extremely helpful and professional throughout this process. He helped make the process of buying a home less stressful and actually easier than expected. He made the communication easy by making himself available through email/call/text and would respond within the hour with any questions."
"BUYING OUR FIRST HOME. My husband and I recently bought our first home. Carol was a god send! She was there to answer all questions at any time of the day! I highly recommend Carol for all of your mortgage needs! Your the best Carol!! Thank you so very much!!!!!!"
"FAST AND EFFICIENT! We were to hesitant to buy our first home after years of renting. One of our friends recommended us specifically to Joe and he really helped us LEARN and appreciate the entire process. His attentiveness to our questions and concerns were always handled with patience and a full spectrum of knowledge"
"TAREK WAS AMAZING. Tarek was really great. He really took the time to fully explain everything and make sure we were comfortable with our decisions we were making. I would recommend Tarek to anyone looking to buy a home. Especially first time home buyers "
"Received the sweetest card from the Spallino's today and it makes every hectic moment of the mortgage business worth it! Thanks so much, Spallino's and enjoy your new home! (You can right click on the tiny image below to see the card!) "
"Jesse was available 24/7 to help us with all our home buying needs"