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 , Florida and California, including our specialty areas:

Buffalo- Rochester - Syracuse - Albany - Brooklyn - 5 NYC boroughs -  Los Angeles - San Francisco - San Diego 

FULL SERVICE IN NY, CA & FL.

 

 

Recent Articles

Jan
16
2019
Reasons to Refinance When Rates are Rising - 5 Examples
In previous posts, we talked about the current rise in mortgage rates and whether it's still a good time to buy a home (yes it is!). This week, we want to focus on refinancing and whether you should consider it in this market. While it may not be the right time to refinance for all homeowners,...
Jan
09
2019
Credit Score Requirements For 2019 Homebuyers
Your credit score is the first thing we review when applying for a home loan. While there are many factors involved in qualifying, your FICO is the most critical. The minimum credit score needed in 2019 to qualify depends mostly on the type of home loan you are looking to get. Generally...
Jan
02
2019
Is Paying Off Your Mortgage Early Worth It?
Paying off debt as soon as possible is always is a good thing --but does that rule also apply to mortgage debt? Is making an extra payment each month to pay off the mortgage early worth it? In this week's post, we'll explore the pros and cons of paying off the mortgage early. Not a homeowner...
Dec
27
2018
Increased Mortgage Rates --Should You Still Buy In 2019?
Does the news of rising rates make you second guess buying your first home in 2019? It shouldn't and here's why: Higher Rates But Not Frighteningly High With headlines that read "Feds Hike Up Mortgage Rates -- Highest Since 2014," it's no wonder that you doubt that it's a great time to buy...