Loan Financing Company | Sprint Funding

What we offer

Loan Options

A conventional mortgage or loan is a home buyer’s loan that is not offered or secured by a government entity.

Conventional loans

Eligible borrowers can use a VA loan to buy a property as their residence.

VA loans

Federal Housing Administration (FHA) loans are insures mortgages issued by lenders, like banks, credit unions and nonbanks.

FHA Loans

A Reverse Mortgage could make all the difference.

Reverse mortgages

DSCR loans allow Landlords to leverage current and future rental properties to achieve their investment goals.

DSCR loans

A bridge loan is a short-term loan used until a person or company secures permanent financing or removes an existing obligation.

Bridge loans

A Construction loan can come in handy when you need money to renovate a space in order to repurpose it.

Construction Loans

You can qualify for a personal loan while you are self-employed. See how.

What clients are saying about us

Don't take our word for it here's what our customers think

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Working with Josh was a pleasure. He had just come off a six-month refi attempt with another lender, lost papers shifting agents, etc. what a nightmare! Josh got us funded in six weeks. Every step of the way was to handle in a professional way. Kim sent us weekly updates so we were never left in the dark. what a pleasure to work with a real loan company. Thank you, Josh and Kim Les and Alexis Howard

Les Howard

Would highly recommend SprintFunding to all. High integrity and constant communication from start to finish. We loved how we were kept in the loop with updates!

Tony Hady

A friend of mine recommended Josh to me. I was shopping around, out of 3 brokers Josh understands my needs the most–reasonable closing cost and need to be close fast. I spoke to him on 4/16 and we moved into the place on 5/10. Both the listing agent and my agent compliment this is a quick and clean close. Josh is a professional and a guy with integrity. I would recommend him to my friends and family

Frankie Chen

Josh worked very hard to help me with my loan. He was very responsive and flexible and provided very helpful guidance throughout the process. I really appreciate all the good work.

Sheri Asgari

Very professional with attention to details that made the overall experience very positive. Good Follow-up and weekly updates as to the process that leads to the expected closing date.

Laurance Robinson

SprintFunding loans work for you. Josh’s staff was very helpful throughout the entire process. Informative, reliable, and flexible. Will use SprintFunding in the future and highly recommend them to anyone.

Steven

Josh and his team are incredibly knowledgable and helpful. They walked us through the entire process. It was evident that Josh put our needs before his own in order to help us with our refi. I would use SprintFunding to assist me in financing another proerty or refinancing my home again. I have and will continue to recommend Josh and his team to my clients and friends.

Ben Grad

Had a wonderful experience with this team. Wonderful staff, even though I called them so many times for up dates and questions. They were always happy to help. They definitely got the job done.

Gillian Kulp

Josh and Kim are amazing! They are knowledgeable and responsive to calls for assistance. With their help, we were able to refinance after three attempts over a period of three years. We obtained a loan with a lower APR than we ever dreamed possible. We also exceeded our goals by refinancing our first and second mortgages for a shorter term, while getting cash out for home repairs. Obviously, we would highly recommend them, and we already have! Thank you!

Janet Manen

Questions We Want You to Ask

Our FAQs will help you know more about us and our pre-settlement funding.

The #1 reason for having the low rates is because we like people and want to help our deserving customers for years to come. One of the challenges we face for earning repeat and referral business is having too high of rates. We never want our rates to be the reason why you use a different lender. Everyone should have access to the most competitive rates on a given day, therefore, we are committed to maintaining this principle with all our products. This is our guarantee to our beloved customers, and we hope to serve you and your friends and family for many years to come.

The way we guarantee low rates is by leveraging competition, experience, and technology. This is a great challenge and one we embrace. By making low rates a core value, we are committing ourselves to a goal that demands our very best. The more efficient we become, the more effective our team works, the less we need to charge. This is the Walmart way. Not all lenders are created equal, but through our proven methods we are confident we can consistently deliver on this formula and reward our clients with the very best rates.

There are many reasons to refinance your current mortgage, but if we were to have a top pick, we would say “when the numbers make sense.” On the surface this answer seems like an obvious answer, but in reality it is not so simple. Just because you can lower your rate, does not mean exchanging your current loan for a new one is the right decision. Many factors must be considered before taking this decisive action. Here are a few other things that must be considered before your next refinance: What is your loan amount? How long have you had it? Have you been making extra payments? What are you long term goals with your home? These and more must be considered prior to pulling the trigger on a new loan. Make sure you ask one of our Mortgage Loan Advisors if refinancing is right for you.

The fastest way to pay off your loan is to make extra payments towards the principle. This can be done in many ways. Here are a few to consider: (1) paying a little extra each month…$50, $100 or more; (2) Make one extra payment a year; or (3) Make a large lumps sums on your next bonus. No matter which method you chose, understand all extra principle payments are applied the same way and help reduce the number of payments on the life of your loan. For example, if you paid $100 extra each month against your $400,000 loan, you would shave 31 payment off the life of your loan. That turns a 30-year loan into a 27.5-year loan. Our Mortgage Loan Advisors are available to create a custom Pay Off Strategy unique to your situation.

The right time to buy a home is when the numbers make sense. Most lenders can approve you for a loan payment that is more than you can handle. The solution to this dilemma is the budget. We encourage each family to build and own their housing budget. Many factors are included when we approve borrowers for a home loan, but none of our tools consider lifestyle. This aspect needs to be owned and factored in by the client. Just because all your friends are buying a home does not mean you have to buy a home. We are advocates of owning real estate, but we are bigger fans of wise financial decisions. Buying a home should be a blessing, not a headache. Work with one of our Mortgage Loan Advisor to determine the right time to buy for you.

The best way to hit our deadlines and close on time is to have a plan and work together. When you buy a home, many people are involved. There is a buyer’s agent, a seller’s agent, a loan officer, a processor, an underwriter, a closing agent, an appraiser, an inspector, a termite company….. The list goes on and on. This is very different than a refinance, therefore, we must stick to a plan and everyone must do their part. If we start strong, we usually finish strong. Most of our heavy lifting, if done right, happens during the pre-approval process. In some cases, an underwriter is needed to review files to determine the likelihood of approval. The worst thing for any purchase transaction is to have problems with your loan at the very end. Most of these challenges can be resolved by being extra thorough upfront. Our Mortgage Loan Advisors are trained to identify and avoid these needless pitfalls that threaten your next purchase.

We believe a good Mortgage Loan Advisor (MLA) consists of, but is not limited to, great character and seasoned competence. We start with character because character is hard to teach. We can hold people accountable, but there are too many unseen activities that go unseen. Given our responsibilities, we need to make sure each member of our team can be trust with our clients, therefore, we go to great length to ensure each member is carefully selected, so the level of care each customer is received in a praise worthy way. As for competence, this is a minimum prerequisite. We love our MLA’s to be experienced and versed in our industry. In addition, we encourage them to be investors on their own. This level of competence combined with great character is the foundation for the positive experience we desire to provide every customer that puts their trust in us.