We put 'FAST' in Home Funding

Home Fast Funding is partnered with over 25 of the nation’s top lenders. We don’t believe you should have to call ten different banks to get a simple rate quote. We make it EASY to shop rates, apply for a loan and close FAST using our digital mortgage and 1 on 1 expert guidance from our licensed loan officers

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*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Loan Programs

There are several types of loan programs available for homebuyers, each with its own features, benefits, and eligibility requirements. Here are some of the most common loan programs:

Conventional (Fannie Mae & Freddie Mac) Loans

  • As Low as 3% Down Payment
  • Down Payment Assistance Available (Restrictions Apply)
  • 620 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • Down Payment Can be Gifted
  • Monthly Mortgage Insurance
  • Not Required with 20% or More Down Payment
  • Automatically Cancels at 78% LTV (Loan-to-Value)
  • $726,200 Maximum Loan Amount

FHA (Federal Housing Administration) Loans

  • 3.50% Down Payment
  • Down Payment Assistance Available (Restrictions Apply)
  • 580 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • Down Payment Can be Gifted
  • 1.75% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.55% Monthly Mortgage Insurance
  • Remains for Life of Loan (if Down Payment is < 10%)
  • $472,030 Maximum Loan Amount

FHA 203k (Home Renovation) Loans

  • 3.50% Down Payment
  • Streamline 203k Loan
  • Use for Cosmetic and Common Repairs up to $35,000
  • Standard 203k Loan
  • Use for Extensive Repairs Over $5,000
  • 620 Minimum Credit Score
  • Down Payment Can be Gifted
  • 1.75% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.55% Monthly Mortgage Insurance
  • Remains for Life of Loan (if Down Payment is < 10%)
  • $472,030 Maximum Loan Amount

VA (Veterans Affairs) Loans

  • Zero Down Payment – 100% Financing
  • 580 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • 2.30% Upfront Mortgage Insurance Premium (First-Time Use)
  • Financed into Loan Amount
  • Will Vary Depending on Down Payment and Subsequent Use
  • No Mortgage Insurance
  • No Maximum Loan Amount

First-Time Homebuyer Loans

  • Down Payment Requirements
  • Conventional – 3% (Can be Gifted)
  • FHA - 3.50% (Can be Gifted)
  • VA - 0% (Zero Down Payment)
  • USDA – 0% (Zero Down Payment)
  • Down Payment Assistance
  • Conventional – Up to 3% (Restrictions Apply)
  • FHA – Up to 3.50% (Restrictions Apply)
  • Credit Score Requirements
  • Conventional – 620+
  • FHA – 580+
  • VA – 580+
  • USDA – 640+

USDA (Rural Development) Loans

  • Zero Down Payment – 100% Financing
  • 640 Minimum Credit Score
  • 1.00% Upfront Mortgage Insurance Premium
  • Financed into Loan Amount
  • 0.35% Monthly Mortgage Insurance
  • Remains for Life of Loan
  • Income and Property Areas Restricted

Investment Property Loans

  • 20% Down Payment
  • 620 Minimum Credit Score
  • DSCR (Debt Service Coverage Mortgage)
  • Qualify Based on Rental Income

Jumbo Loans

  • As Low as 10% Down Payment
  • 680 Minimum Credit Score
  • Loan Terms from 10 to 30 Years
  • No Mortgage Insurance Option
  • Loan Amounts Over $726,200

Each loan program has its own unique features and requirements, so it's important for homebuyers to research and compare their options carefully to find the loan that best suits their financial needs and goals.

How We Can Help Buy Your Dream House

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Get Pre-Qualified

We can get you prequalified online so you can make an offer with confidence that it will get accepted.

  • Benefits
  • icon Get Your Offer Accepted
  • icon Know Your Buying Range
Get Pre-Qualified
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Shop For Best Rate

Our pricing engine provides live rates 24/7 from our network of lenders. NO SSN or CREDIT REQUIRED 

  • Benefits
  • icon Shop Multiple Lenders
  • icon Lower rates, Lower Payments
Shop Rates
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Fast Funding

Our team will use our expertise to make sure your loan gets funded fast! We make funding a breeze.

  • Benefits
  • icon Hassle Free Funding
  • icon Get Your Dream House
Fund Your Dream House

 HOME FAST LINE OF CREDIT

ACCESS YOUR HOME EQUITY-APPROVAL IN MINUTES

 CLOSINGS IN AS LITTLE AS 5 DAYS

The Home Fast Funding Inc Advantage

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Experience You Can Trust

Our Loan Officers are licensed and have several years of origination experience in helping borrowers like you find the right loan

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Fast Processing

Our Processing team has years of experience in getting loans closed on time and quickly, while communicating with you every step of the way. 

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Client First

We don't represent any bank or lender. As a broker our fiduciary responsibility is to YOU, our client. We work with over 25 lenders who compete for YOUR busines. 

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Utilizing Technology

Our Technology is designed to complete a transaction fast and completely online. Our follow up system will keep you informed of your loan progress every step of the way. 

Join Our Team

If you would like to be a part of our growing team, click below. We offer great pay and compensation along with other perks and the opportunity for growth

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