Mortgage & Relocation Resource for Human Resources Professionals 

  Helping HR Professionals Support Employees Who Are Buying or Relocating  

Human resources professionals help employees through many major life and career transitions.

A new hire or transferred employee may simultaneously be:

  • Starting a new position
  • Moving to a new community
  • Selling a home
  • Purchasing another home
  • Arranging schools and childcare
  • Managing moving expenses
  • Trying to qualify for a mortgage

Having an experienced mortgage professional available can remove one source of uncertainty.

I’m John Madden, owner of Capital Funding Mortgage, and I have been originating mortgages since 1999.

New Employment and Mortgage Qualification

Employees frequently ask whether they can qualify for a mortgage immediately after changing jobs.

The answer depends upon the circumstances.

We can review:

  • Employment history
  • New salary
  • Offer letters
  • Start date
  • Bonus structure
  • Commission income
  • Relocation benefits
  • Employment gaps

The earlier we review the situation, the easier it is to identify potential underwriting issues.

Relocation Assistance

Employees moving into Pennsylvania or New Jersey may need help understanding:

  • Local property taxes
  • Home prices
  • Mortgage payments
  • Pre-approval
  • Closing costs
  • Cash required at closing
  • Loan programs

We can provide mortgage guidance before the employee begins seriously shopping for a home.

Employees Moving Out of Their Current Home

Relocation can also create questions about an existing mortgage.

An employee may ask:

  • Do I have to sell before I buy?
  • Can I carry both homes?
  • Can I use sale proceeds for the new down payment?
  • Can I convert my old home to a rental?
  • How will the existing mortgage affect qualification?

We can evaluate those scenarios.

Supporting First-Time Buyers

HR departments often employ younger professionals buying their first home.

We can help employees understand the mortgage process without requiring HR personnel to become mortgage experts.

A Direct Resource for Employees

Employees can contact me directly for:

  • Mortgage pre-approval
  • Purchase financing
  • Refinancing
  • Jumbo financing
  • Relocation scenarios
  • Self-employed household income
  • Mortgage comparisons

Protecting the Employer Relationship

If an HR professional refers an employee to Capital Funding Mortgage, I understand that the experience reflects on the HR department as well.

My goal is to provide professional, clear, pressure-free guidance.

Partner With Capital Funding Mortgage

If you work in human resources, recruiting, benefits, or employee relocation and would like a mortgage resource for your employees, please contact me.

John Madden
Owner, Capital Funding Mortgage
Personal Cell: 215-601-6724

A direct mortgage resource for employees navigating home purchases and relocation.