If you are buying or refinancing a home in Newtown, Pennsylvania, I would welcome the opportunity to help.
My name is John Madden, owner of Capital Funding Mortgage Associates. I have been helping homebuyers and homeowners with mortgage financing since 1999, and Newtown is more than simply an area where I do business.
I live here. I raised my family here. My business is here.
Because Newtown is my own community, I understand the local housing market and the importance of having a mortgage professional who is available, experienced and personally involved in your transaction.
When you work with Capital Funding Mortgage, you work directly with me throughout the mortgage process.
[CONTACT JOHN]
[GET PRE-APPROVED]
There are many mortgage companies that advertise in Bucks County.
Capital Funding Mortgage is different because Newtown is actually home for me and my family.
I have lived in the Newtown community, raised my family here and operated my mortgage business here for many years. I know the neighborhoods, the surrounding communities and the types of homes buyers encounter throughout Newtown and Bucks County.
Whether you are buying in Newtown Borough, Newtown Township or one of the surrounding Bucks County communities, I can help you understand your mortgage options and determine which financing structure makes the most sense for you.
My goal is not simply to close your mortgage.
My goal is to become a mortgage resource you can rely on before, during and long after your purchase.
Newtown offers a wide variety of housing, ranging from historic homes and established neighborhoods to townhomes, condominiums and larger single-family properties.
That variety can also mean different financing considerations.
Before you make an offer, we can review:
I believe buyers should understand the entire mortgage transaction, not simply the interest rate.
In a competitive real estate market, a strong mortgage pre-approval can make a significant difference.
Before issuing a pre-approval, I review the borrower's financial information so that we can identify potential questions before a property is under agreement.
This can include reviewing:
A thorough pre-approval gives you and your Realtor a clearer picture of what you can comfortably purchase.
If you are making an offer and need an updated pre-approval letter, I understand that timing matters. I make myself available when my clients and their real estate agents need mortgage information quickly.
[REQUEST A PRE-APPROVAL]
Capital Funding Mortgage is an independent mortgage broker.
Instead of being limited to the mortgage products and pricing of a single bank, I have access to multiple wholesale mortgage lenders.
That allows me to compare available mortgage programs and determine which lender may offer the best combination of:
Depending upon your situation, we can evaluate options including:
Every borrower is different, which is why I believe mortgage recommendations should be based on your individual financial situation rather than a one-size-fits-all approach.
Home values in Newtown and throughout Bucks County can sometimes result in buyers needing jumbo mortgage financing.
Jumbo loans may have different requirements involving:
Because I work with multiple wholesale lenders, I can compare jumbo mortgage options rather than limiting you to a single bank's program.
If you are purchasing a higher-priced home in Newtown, I can review your situation before you make an offer so you understand your financing options in advance.
Self-employed borrowers often require more detailed mortgage planning.
If you own a business, work as an independent contractor or receive income from multiple sources, I can review your documentation and help determine how a mortgage lender is likely to calculate your qualifying income.
Depending on the loan program, that may involve reviewing:
It is often better to review these issues before you begin seriously shopping for a home rather than discovering an income-qualification problem after you have signed an agreement of sale.
I also work with Newtown homeowners who are considering refinancing.
A refinance should accomplish something meaningful.
Depending on your goals, refinancing may help you:
However, I do not believe a homeowner should refinance simply because a lender can offer a lower advertised rate.
We should also consider closing costs, lender credits, the remaining term of your existing loan and how starting a new amortization schedule affects your long-term cost.
Sometimes the lowest rate is not the best financial choice.
Mortgage pricing involves more than just the interest rate.
The same mortgage can often be structured several different ways.
For example, you may have the option of:
I help borrowers compare these options so they can see the actual financial trade-offs.
For some borrowers, paying points makes sense.
For others, a low-cost or zero-closing-cost structure may make considerably more sense.
The right answer depends on how long you expect to keep the mortgage and what you are trying to accomplish.
One of the biggest differences between working with Capital Funding Mortgage and working with a large national lender is accessibility.
When you work with me, you work directly with me.
I understand that mortgage questions do not always arise between 9:00 and 5:00.
You may be looking at a house in the evening.
Your Realtor may need a pre-approval update over the weekend.
You may receive a document you do not understand and want someone to explain it.
I believe being available and communicating clearly are important parts of providing good mortgage service.
And because I live in Newtown too, the people I help are often my neighbors and members of the same community where I have raised my own family.
That matters to me.
Although Capital Funding Mortgage is located in Newtown, I help borrowers throughout Bucks County and across Pennsylvania and New Jersey.
Nearby communities we regularly serve include:
If you are purchasing or refinancing anywhere in Bucks County, I would be happy to discuss your mortgage options.
I have been helping borrowers with mortgage financing since 1999.
Over the years, mortgage programs, underwriting guidelines, interest rates and technology have changed considerably.
One thing has not changed:
People want straightforward answers from someone they can trust.
My approach is to explain your options, show you the numbers and help you make an informed decision.
I want you to understand:
I believe informed borrowers make better mortgage decisions.
If you are thinking about buying a home in Newtown, refinancing your current home or simply want to understand your mortgage options, please contact me.
I would welcome the opportunity to speak with you personally.
John Madden
Owner, Capital Funding Mortgage Associates
Mortgage Professional Since 1999
Newtown, Pennsylvania
I live here. I raised my family here. And I would appreciate the opportunity to help you finance your home here.
[CONTACT JOHN MADDEN]
[GET PRE-APPROVED]
