There are plenty of companies that can provide a mortgage.
We believe the difference is how the mortgage is evaluated, explained and structured before you ever sign the closing documents.
When you work with Capital Funding Mortgage, you are not simply entering a large call-center system.
You have direct access to John Madden, owner of Capital Funding Mortgage, throughout the mortgage process.
John has more than 25 years of mortgage experience and personally believes borrowers should understand what they are being offered, why a particular mortgage is being recommended, and what alternatives should be considered.
Capital Funding Mortgage is a mortgage broker.
Rather than being limited to the mortgage products and pricing of a single bank, we work with multiple wholesale lenders.
That allows us to compare available options based upon the individual borrower.
The best mortgage for one client may not be the best mortgage for another.
Your credit, income, down payment, property type, loan size and financial goals can all affect which lender and program provide the better solution.
A mortgage should never be evaluated by interest rate alone.
We believe borrowers should understand:
A lower advertised rate is not necessarily the better mortgage if obtaining that rate requires thousands of dollars in additional costs.
We will help you compare the alternatives.
There is an important difference between not bringing money to settlement and actually having the eligible closing costs offset.
Some mortgage structures can produce little or no cash due at closing simply by adding closing costs to the new mortgage balance.
When we structure an eligible no closing cost mortgage, we can show you how a lender credit offsets the applicable closing costs rather than simply disguising those costs inside a larger loan balance.
We want you to see exactly how the transaction works.
Sometimes the most important question is not:
“What is today's mortgage rate?”
It may be:
Should I put 3%, 5%, 10% or 20% down?
Should I pay points or take a lender credit?
Would a seller-paid 2-1 buydown make more sense than a price reduction?
Should I refinance now or keep my existing mortgage?
Would Fannie Mae or Freddie Mac financing provide the better structure?
Are there state or local first-time buyer assistance programs available where I am purchasing?
Our job is to help you understand those choices before you make the decision.
Many mortgages are straightforward.
Others are not.
Borrowers may be:
This is where experience can become particularly valuable.
Instead of simply determining whether one lender will approve the loan, we can evaluate whether another lender or mortgage program may provide a better solution.
Capital Funding Mortgage is based in Newtown, Pennsylvania, and John Madden lives in the community.
We understand the Bucks County and greater Pennsylvania housing markets while also serving borrowers throughout Pennsylvania and New Jersey.
That combination provides the personal accessibility of a local mortgage broker with access to a broad range of wholesale mortgage programs.
Our philosophy is simple:
You should never leave a mortgage closing wondering what you just agreed to.
We take the time to explain the mortgage before settlement so you understand the loan, the costs, the payment and the reasoning behind the recommendation.
Because getting a mortgage should not simply be about getting approved.
It should be about making an informed financial decision.
Whether you are purchasing your first home, moving to your next home, buying an investment property or considering refinancing, contact us before you make the decision.
We will help you compare the available options and understand the numbers.
John Madden
Owner, Capital Funding Mortgage
41 University Drive, Suite 400 #475
Newtown, PA 18940
Office: (855) 580-5626
John's Cell: (215) 601-6724
Email:info@capitalfundingmortgage.com
Website:www.capitalfundingmortgage.com
NMLS #960139
