Finding the right loan, made simpler

There’s no one-size-fits-all approach to financing. We’ll walk you through your options clearly and help you choose what makes the most sense for you.

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It’s not about knowing everything - it’s about having the right guidance

Loan Options

There’s no one-size-fits-all answer here. These are the most common options, and we’ll walk you through what makes the most sense for you.

  • The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. A 30-year fixed-rate loan may be a good option if you plan on staying in your home for years to come.

    We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with our 30-Year Fixed Rate Mortgage Qualifier.

    We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

  • This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.

    We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with our 15-Year Fixed Rate Mortgage Qualifier.

    We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

  • An ARM is an Adjustable Rate Mortgage. Unlike fixed-rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The intial interest rate of an ARM is lower then that of a fixed-rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is too high.

    We’re here to make it easier, with tools and expertise that will help guide you along the way, starting with our Adjustable-Rate Mortgage Qualifier.

    We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

  • An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

    The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

    We’re here to make the FHA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our FHA Loan Qualifier.

    We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

  • A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

    We’re here to make the VA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our VA Loan Qualifier.

    We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

  • A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2022, the limit is $647,200 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $970,800. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk.

    We’re here to make the jumbo home loan process easier, with tools and knowledge that will help guide you along the way, starting with our Jumbo Loan Qualifier.

    We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

  • An FHA 203K loan is a loan backed by the federal government and given to buyers who want to renovate a home. An FHA 203K loan allows the borrower to finance the home, plus provides financing to do the necessary renovations to the home.

    We’re here to make the 203K home loan process easier, with tools and knowledge that will help guide you along the way, starting with our 203K Loan Qualifier.

    We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

  • The United States Department of Agriculture (USDA) gives borrowers the opportunity to own a home outside of the city limits. There are several benefits of a USDA loan,including flexible credit underwriting requirements and no down payment required.

    We’re here to make the USDA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our USDA Loan Qualifier.

    We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

  • The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help underwater and near-underwater homeowners refinance their mortgages.

    We’re here to make the HARP loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our HARP Loan Qualifier.

    We’ll help you clearly see differences between HARP loan options, allowing you to choose the right one for you.

  • A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.

    We’re here to make the reverse mortgage process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our Reverse Mortgage Qualifier.

    We’ll help you clearly see differences between reverse mortgage options, allowing you to choose the right one for you.

Not sure where to start? Get in touch!

Our Process

Start with a Conversation

We take the time to understand your goals, timeline, and where you are in the process - so we can guide you in the right direction from the start.

Explore Your Options Together

We walk you through loan structures, rates, and scenarios, explaining everything clearly so you can see what makes the most sense for you.

Choose a Path with Confidence

Together, we land on a strategy that aligns with your needs - so you feel informed, comfortable, and fully prepared to move forward.

Move Forward, Seamlessly

We handle the details, keep everything on track, and stay closely involved through closing - so the process feels smooth from start to finish.

Get a Rate Quote in Just 30 Seconds!

Mortgage rates change daily and vary depending on your unique situation. Get your FREE customized quote here!

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  • "I've worked with Diversified Funding on three occasions now & every experience was great. I've dealt with banks directly in the past & it was awful. Kenny & Yana make the mortgage/refinance process as quick & easy as possible. I highly recommend them."

    — Veronica C.

  • "This is my 5th transaction personally with diversified funding. It's been such a pleasure to work with Kenneth, Yana, and Zonia. Always responsive and always ON IT! Definitely would recommend and I have!"

    — Eli L.

  • "Great service provided indeed! The refinance numbers DFG has been able to provide were better than the counter offer by the bank holding original mortgage...This has been my third company I’ve dealt with residential loans; I will come back to DFG for repeat business. Kenneth and Yana thanks for great service!"

    — Alfredos G.

  • "Kenneth and Yana are absolutely amazing! I've obtained three mortgages with them and each time they've given me time and attention. They explain every step of the process to me and even with stressful circumstances they found ways to make things work!"

    — Limor H.

  • "Diversified Funding Group is a trustworthy business. I had a very pleasant experience with it. Kenny is very professional answering all my questions and help me get the loan I desired...My loan approval process went smoothly with her organized work. I highly recommend this business."

    - Crystal L.