Straight Answers. Competitive Mortgage Options. 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. With access to more than 25 wholesale lenders, I can compare mortgage programs, rates and costs based on your individual situation rather than offering the products of just one bank.
Whether you are buying a home, refinancing, investing in real estate or dealing with a more complicated financing situation, I’ll help you understand your options and make an informed decision.
[Get a Personalized Mortgage Quote] [Get Pre-Approved]
Call or text John Madden directly at 215-601-6724
Why Work With Capital Funding Mortgage?
Independent Mortgage Advice
Capital Funding Mortgage is an independent mortgage broker. I am not limited to one bank or one lender's mortgage programs.
That allows me to compare financing options from a broad network of wholesale lenders and look for the combination of rate, costs, terms and underwriting guidelines that best fits your situation.
More Than 25 Years of Mortgage Experience
Mortgage guidelines, housing markets and interest rates change constantly.
Having originated mortgages since 1999, I have worked through very different lending environments and helped borrowers with everything from straightforward home purchases to more complex income, credit, property and financing situations.
Work Directly With the Owner
When you contact Capital Funding Mortgage, you work directly with me.
I remain personally involved from our initial conversation through application, underwriting and closing. If you have a question, you can call or text me directly rather than going through a call center or being passed from one person to another.
A Mortgage Is More Than an Interest Rate
The lowest advertised interest rate is not always the best mortgage.
A lower rate may require substantial points or closing costs. A slightly higher rate may provide a lender credit that reduces the amount you need at closing. The length of the loan can also have a significant effect on your total interest expense.
When comparing mortgage options, I look at the complete picture:
I’ll explain the differences clearly so you can decide which option makes the most sense for you.
Mortgage Programs for a Wide Range of Borrowers
Every borrower and every property is different. Capital Funding Mortgage offers access to traditional mortgage programs as well as financing for borrowers with more specialized needs.
Home Purchase & Traditional Financing
Conventional Mortgages
FHA Loans
VA Loans
Jumbo Mortgages
Adjustable-Rate Mortgages
First-Time Homebuyer Programs
Second Home & Vacation Home Financing
Self-Employed & Specialized Financing
Bank Statement Loans
Self-Employed Borrower Programs
Asset-Qualifier & Asset-Depletion Loans
H-1B & Visa Holder Mortgages
Foreign National Loans
Real Estate Investor & Property Financing
Investment Property Loans
DSCR Loans
Construction Loans
Renovation Financing
Refinancing Options
Rate-and-Term Refinancing
Cash-Out Refinancing
Shorter-Term Mortgage Options
Mortgage Recast Guidance
[Explore All Mortgage Programs]
Buying a Home?
A successful home purchase often begins well before you make an offer.
I can help you determine an appropriate price range, estimate your monthly payment and closing costs, review available loan programs and prepare a mortgage pre-approval.
Just as importantly, we can discuss your financing strategy before you begin negotiating for a property so you know what to expect.
[Get Pre-Approved]
Considering a Refinance?
A lower interest rate does not automatically mean you should refinance.
I compare your existing mortgage with the proposed new loan, including your remaining loan term, monthly savings, closing costs and the amount of time required to recover those costs.
I also look closely at amortization. If you have already paid many years into your current mortgage, starting over with another 30-year loan may not provide the best long-term result.
Sometimes refinancing makes excellent financial sense. Sometimes a shorter term is better.
And sometimes the best recommendation is to keep the mortgage you already have.
[Request a Refinance Review]
Already Have a Mortgage Quote or Loan Estimate?
You don't have to start over.
If another lender has already provided you with a mortgage quote or Loan Estimate, send it to me and I’ll help you review it.
We can compare:
Interest rate
APR
Discount points
Lender credits
Origination charges
Closing costs
Monthly payment
Loan term
This can make it much easier to determine which offer actually provides the better value.
[Compare My Mortgage Quote]
How the Mortgage Process Works
1. Tell Me What You're Trying to Accomplish
We start with a conversation about the property, financing amount, income, assets, credit and your goals.
2. Review the Available Options
I compare appropriate mortgage programs and lender options based on your specific situation.
3. Choose Your Mortgage
I'll explain the rate-and-cost tradeoffs so you can make an informed decision.
4. Application Through Closing
Once you move forward, I stay involved throughout the mortgage process and help keep your loan moving toward closing.
[Learn More About the Mortgage Process]
Local Experience. Broader Lending Options.
Capital Funding Mortgage is located in Newtown, Bucks County and serves homebuyers, homeowners and real estate investors throughout Pennsylvania and New Jersey.
Our clients include borrowers in Newtown and Bucks County, the greater Philadelphia region, Pittsburgh and communities throughout both states.
Being locally based gives me a personal connection to the Newtown and Bucks County community, while our wholesale lender network allows us to help borrowers far beyond one local market.
[View Areas We Serve]
About John Madden
Mortgage Experience Since 1999
My path into the mortgage business was a little different.
I was raised in Bucks County and graduated from Temple University. After working in the insurance industry, I relocated to Texas and spent ten years with the Houston Police Department, eventually serving as a Police Sergeant.
My introduction to mortgages came after refinancing my own home. That experience ultimately led me into the mortgage business, and in 1999 I founded Capital Funding Mortgage.
More than 25 years later, I still believe borrowers benefit from straightforward explanations, personal accountability and having someone they can reach when they have a question.
[Read John's Full Story]
Mortgage Guides & Resources
Understanding your mortgage can be just as important as finding the right one.
Our Mortgage Guides & Resources provide straightforward information on topics including:
Mortgage Pre-Approval
First-Time Home Buying
Mortgage Closing Costs
Documents Needed for a Mortgage
Understanding the Loan Process
Self-Employed Mortgage Qualification
Comparing Mortgage Offers
Refinancing
Mortgage Programs and Guidelines
You can also use our mortgage calculators to estimate payments, affordability, refinance savings and other common mortgage scenarios.
Choosing a mortgage professional involves more than comparing numbers.
The experiences of past clients can give you a better idea of the communication, responsiveness and service you can expect when working with Capital Funding Mortgage.
[KEEP EXISTING GOOGLE REVIEW WIDGET HERE]
[Read More Client Reviews]
Ready to Talk About Your Mortgage?
You do not need to know exactly which mortgage program you need before contacting me.
Tell me what you are trying to accomplish, and I’ll help you understand the available options.
Capital Funding Mortgage 41 University Drive, Suite 400 #475 Newtown, PA 18940
[Get a Personalized Mortgage Quote] [Get Pre-Approved]
Capital Funding Mortgage does not sell your contact information. Information submitted through our website is handled in accordance with our Privacy Policy.
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.
