My office sits in Newtown, Bucks County, minutes from the Delaware River crossings into New Jersey. I'm licensed by the New Jersey Department of Banking and have been financing homes on both sides of the river since 1999. If you're buying or refinancing in Mercer County, you're working with a broker who knows this market — not a national call center that had to look up where Hopewell is.
I'm John Madden, owner of Capital Funding Mortgage Associates. As an independent broker, I shop multiple wholesale lenders to find the loan that actually fits your situation, and I show you the real math — rate, closing costs, and total cost — before you commit to anything.
Get a quote: (855) 580-5626 · info@capitalfundingmortgage.com
New Jersey isn't Pennsylvania. Contracts here run through a three-day attorney review period, closings involve different players, and the timeline has its own rhythm. I've closed loans on the Jersey side for years, so your financing moves in step with the process instead of tripping over it.
Mercer County carries some of the higher property-tax bills in the country, and those taxes go straight into your monthly payment and your debt-to-income ratio. A lender who ignores that can pre-approve you for a number that falls apart once real tax figures hit the file. I build the tax reality into your approval from the start, so the payment you're quoted is the payment you can actually carry.
Mercer County is really several markets in one. Princeton, West Windsor, and Hopewell run into jumbo-loan territory, where pricing a large loan correctly matters. Hamilton, Ewing, Lawrence, and Trenton have strong first-time-buyer and FHA activity. Robbinsville and the Windsors draw commuters working the Northeast Corridor line out of Hamilton and Princeton Junction. Because I work with multiple lenders and a full range of programs, I can serve a first-time buyer in Hamilton and a jumbo buyer in Princeton with the same attention.
I'm not limited to one bank's product menu. Self-employed borrower, complex income, a jumbo loan, an investment property — those are files I can often place instead of decline.
Princeton · Hamilton Township · Ewing · Lawrence Township (Lawrenceville) · Hopewell · Pennington · Robbinsville · West Windsor · East Windsor · Hightstown · Trenton — and the surrounding communities throughout Mercer County.
Just across the river in Bucks County? I serve Newtown and all of Bucks County, too.
Capital Funding Mortgage Associates has been financing homes across Pennsylvania and New Jersey since 1999. We're BBB-accredited, licensed by both the New Jersey and Pennsylvania Departments of Banking, and hold a 5.0 rating across 73+ verified Google reviews. When you call, you reach an experienced mortgage professional who knows your loan — not a rotating queue.
Whether you're buying your first home in Hamilton, moving up in Princeton, or refinancing anywhere in the county, I'll give you the real numbers and straight advice to make a confident decision.
John Madden · Owner, Capital Funding Mortgage Associates Mortgage Broker · NMLS #960139
📞 (855) 580-5626 ✉️ info@capitalfundingmortgage.com 📍 41 University Drive, Ste 400 #475, Newtown, PA 18940
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