Mortgage Loans in USA | Sprint Funding
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The Lowest Mortgage Rates IN THE USA
  • Submit a Single Application
  • Gain Access to Countless Loan Options
  • Let the Nations Top Lenders Compete
Thousands of happy customers receiving the lowest mortgage rates possible since 2005
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Loan Options

Free Consultation: 760-477-4088

Our Loan Process

Our simplified approach is designed to make your next loan experience a positive one.



  • Wants & Needs Analysis
  • Application
  • Document Collection
  • Recommendation


  • Lock Loan
  • Sign Disclosures
  • Open Escrow
  • Order Appraisal


  • Validate Data
  • Evaluate Property & Borrower
  • Extend Conditional Approval
  • Issue Final Approval


  • Sign Loan Docs
  • Wire Money
  • Fund & Record
  • Post-Closing Reconciliation
lowest-icon The Lowest Possible Rates Guaranteed

About Sprint Funding

When we started the company back in 2006 our goal was to create as much value as we could through the services we offer. We wanted something that wasn’t complicated and that we and those close to us could use ourselves.

After some time of reflecting we decided in no specific order four things we wanted from our mortgage company: friendly people to talk to, loan officers that know their trade, competitive pricing…

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Most people are excited and know the many benefits and rewards of becoming a new homeowner. What most don’t know is how to qualify for a home loan. Lately, people are confused about getting qualified for a mortgage – a lot of misinformation is out there in the market. It’s common to hear people say, “I heard banks aren’t lending money right now,” or, “I heard you need to have 20 percent down to get a mortgage.”

We will help you and explain how to qualify for a home loan. Educating yourself is key, and there are a number of ways to avoid the heartache and disappointment when learning how to qualify for a home loan.

Learn how to think like a lender and educate yourself on the best ways to get your mortgage loan approved:

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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 lowest 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 peopel 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.

Our Blog

Read resources about home loans and mortgages, our latest news, and announcements.

5 Facts About Home Loans That Will Blow Your Mind

Knowing all facts about home loans in Bonsall or anywhere in California is a must unless you like getting tricked or scammed. Know that houses in this state are just too expensive, and this was something you had embraced for a long time. And the last thing you want is to let thieves posing as […]

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Common Home Loan-Filing Mistakes and How to Avoid Them

Is this your first time filing a home loan? You must be excited to finally get a new house! Certainly, at this stage, you are now preparing to file your home loan, and you want to be sure that everything will run smoothly. Don’t worry. You’re in the right place! We know how difficult it […]

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Exploring your Options with Cash Flow Financing

To become a successful business owner, we should not stop exploring our options about how we’re going to make it bigger. However, the problem is, we don’t always have the funds to make these adjustments — most businesses have the same problem too. So what are our options? If we don’t have the funds, we […]

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