You work hard, pay your bills on time, and know how important it is to invest in the future.
In all the ways that matter, you are the heart of the American dream.
At America Funding, we understand the frustration facing 9 million borrowers. Despite previously spotless credit -- because of a short sale, foreclosure, or a bankruptcy -- you may no longer fit the underwriting guidelines of a Qualified Mortgage that Fannie Mae and Freddie Mac have dictated. Waiting the five to seven years it takes to re-establish creditworthiness is unacceptable.
Using common sense underwriting, we look at your current income, current expenses, and qualify you based on your ability to repay. Your credit score only assesses your risk factor, not your qualification. Our team will work diligently to identify a successful path to homeownership for you.
This approach is what makes our work so rewarding and your experience so refreshing. The house you desire isn’t out of reach and America Funding wants to give you the keys to homeownership. Let us help you navigate your way home and finally get America Funding again!
We changed the loan process to make it better, faster and easier for you. You’re involved and updated every step of the way, and this is how it works.
A home loan is an important decision. After learning more about your unique situation, our loan consultants will outline available options in detail, and explain everything you need to know in simple language.
Once we’ve identified loan options best suited for your needs, we’ll walk you through each step of your digital application. It takes most people about 30 minutes.
An efficient process requires getting the documents right. Pay stubs, bank account statements and other relevant paperwork is critical. With our advanced technology platform, we will create a custom-tailored document checklist to ensure your loan will be processed as efficiently as possible. Full loan approvals generally require 20-30 days.
Let us show you a better way to a home loan.
Thank you for filling out the information. You can fill out a short form or full application by choosing one of the options below.
Once you fill out the form one of our Loan Officers will contact you to finalize or walk you through the process.
We look forward to helping you in your home buying process!