Mortgage Guidance You Can Understand and Trust. Straight Answers and Personal Service From the Owner.
I’m John Madden, owner of Capital Funding Mortgage, an independent mortgage broker based in Newtown, Bucks County, Pennsylvania.
I’ve been helping homebuyers and homeowners with mortgage financing since 1999.
When you work with Capital Funding, you work directly with me. I compare mortgage options from multiple wholesale lenders and help you understand the differences in rate, closing costs, lender credits, loan term and monthly payment.
I don’t believe the lowest advertised rate is automatically the best mortgage.
My job is to help you understand the numbers and choose the option that makes the most sense for you.
Why borrowers choose to work with me:
Experience matters in the recommendation. A lower rate is not automatically a better mortgage. I compare rate, costs, loan term and amortization before recommending that a homeowner refinance.
Get Pre-Approved and Schedule a Call With John Madden. Call or text me at 215 601 6724 today.
I’ve been originating mortgages since 1999 and have over 25 years of mortgage experience.
During that time, I’ve worked through very different housing markets, interest-rate environments, underwriting standards and economic cycles.
I am an Independent Mortgage Broker and I work for You
I don’t work for one bank, and I’m not limited to one lender’s mortgage products.
I work with more than 25 wholesale lenders and compare the options available for your particular situation.
That can make a difference in pricing, underwriting, loan programs and flexibility.
I Stay Involved Throughout the Entire Process.
Your loan is not handed from one salesperson to another.
I remain personally involved from our first conversation through application, underwriting and closing.
If you have a question, you can call me on my cell at 215 601 6724.
My Path to the Mortgage Business Wasn’t Typical
I was raised in Bucks County, Pennsylvania, and graduated from Temple University.
My first job after college was with John Hancock Insurance Company, which led to approximately seven years working as an insurance broker.
I later relocated to Texas and made a major career change by joining the Houston Police Department. I served there for ten years and ultimately became a Police Sergeant.
My mortgage career actually began when I refinanced my own home.
The local mortgage broker who handled my refinance told me he thought my background, personality, and prior business experience would make me a good fit for the mortgage industry.
I took his advice, went to work for him part-time and learned the business, obtained my mortgage broker’s license and eventually started my own company. In 1999, I founded Capital Funding Mortgage. More than 25 years later, I still personally work with my clients from the first conversation through closing.
About a year later, my family and I returned home to Bucks County.
A Mortgage Is More Than an Interest Rate
One of the biggest mistakes borrowers make is comparing mortgages by interest rate alone.
A lower rate may require thousands of dollars in points.
A slightly higher rate may come with a lender credit that significantly reduces closing costs.
A shorter loan term may create a much better long-term financial result even though the monthly payment is higher.
I’ll explain the alternatives and let you see the actual tradeoffs.
If I don’t believe a mortgage option makes financial sense for you, I’ll tell you.
Popular Mortgage Options for Different Types of Borrowers
Not every borrower fits into the same mortgage program. Capital Funding Mortgage provides access to a wide range of financing options for homebuyers, homeowners, investors, self-employed borrowers, and clients with more specialized financing needs.
We can help with:
Conventional mortgage financing
FHA loans
VA loans
Jumbo mortgages
First-time homebuyer financing
Self-employed borrower programs
Investment property financing
Refinancing
Cash-out refinancing
Specialized and alternative lending programs
The right mortgage depends on your goals, financial profile, property, and overall circumstances.
Schedule a Call With John Madden Today at 215 601 6724
Are You Buying a Home?
A strong mortgage strategy should begin before you make an offer.
We can help you determine how much you may qualify to borrow, estimate monthly payments and closing costs, compare loan programs, and prepare a strong mortgage pre-approval.
Being properly prepared can help you shop for a home with greater confidence and reduce surprises later in the transaction.
Get Pre-Approved by calling or texting John Madden at 215 601 6724 today.
Considering a Refinance?
A lower interest rate does not automatically mean refinancing is a good idea.
I look at your current mortgage, remaining term, new rate, closing costs, monthly savings and how long it will take to recover those costs.
I also pay close attention to amortization.
If you have already paid many years into a 30-year loan, simply starting another 30-year mortgage may not be the best move.
Sometimes refinancing makes excellent sense.
Sometimes a shorter term is better.
And sometimes the right answer is to leave the existing mortgage alone. I'll tell you honestly if refinancing is not in your best interest at this time.
Local Experience. Broader Lending Options
Capital Funding Mortgage is based in Bucks County and works with borrowers in Newtown, Bucks County, the greater Philadelphia area, Pittsburgh, and communities throughout Pennsylvania and New Jersey.
Living and working in the Newtown area gives us a personal connection to the community, while our access to multiple wholesale lenders allows us to offer borrowers lending options that extend well beyond one local bank.
Whether you are purchasing your first home, moving to your next home, refinancing, investing in real estate, or dealing with a more complicated mortgage situation, you receive the same personal attention.
Already Have a Mortgage Quote?
Send me the quote you already have and I'll help you compare the interest rate, points, lender credits, closing costs, loan term and monthly payment. A lower advertised rate does not always mean a better mortgage.
Ready to Talk About Your Mortgage?
You do not need to know exactly which mortgage you want before contacting me.
Tell me what you are trying to accomplish, and I’ll help you understand the options.
Whether you are buying, refinancing or comparing a mortgage quote you already received, you are welcome to contact me directly.
Call John Madden Today at 215 601 6724 Feel free to text me for quick responses!
Capital Funding Mortgage does not sell leads or sell your contact information. Your information is handled in accordance with our Privacy Policy.
John Madden - Owner, Capital Funding Mortgage
Mortgage Guidance Should Include Education
We believe an informed borrower is better positioned to make a good mortgage decision.
That is why Capital Funding Mortgage provides educational resources covering topics such as:
The mortgage pre-approval process
First-time homebuyer financing
Closing costs
Self-employed mortgage qualification
Purchase financing
Refinancing
Loan programs
Mortgage terminology and lending guidelines
Our goal is to give you useful information before, during, and after the mortgage process.
Helping homebuyers and homeowners throughout Pennsylvania and New Jersey since 1999. Call or text John Madden today at 215 601 6724
What Our Clients Say
A mortgage company can tell you about its service, but the experiences of actual clients often provide a better picture.
We are grateful to the borrowers who have taken the time to share their experiences working with Capital Funding Mortgage.
Read our Google reviews to see what clients have said about their experience working with us.
I had a great experience working with John, refinanced with him multiple times. He is knowledgeable, approachable, and always available to help. He constantly follows-up which make move things quickly and smoothly. He also offered a very competitive rate compared to the market and was transparent and professional throughout the entire process. I truly appreciate his dedication, responsiveness, and willingness to answer all my questions calmly. I highly recommend him to anyone looking for someone knowledgeable, reliable, and easy to work with.
