Buying a home or refinancing in California or Hawaii? Fund USA Corp combines deep market expertise with personalized service to match you with the right loan at the right rate for your unique situation. Get pre-qualified in minutes with no credit pull required.
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Navigating the mortgage market doesn’t have to be complicated. At FundUSACorp, we combine deep market knowledge with personalized service to match you with the right loan at the right rate for your unique situation. With $223 million in loans funded and a 97% client satisfaction rate, we’ve helped hundreds of California families and investors close with confidence.
From your first question to your final signature, our team is here to simplify every decision. We believe that an informed borrower is an empowered borrower which is why we take time to explain your options, answer your questions, and tailor solutions that protect your long-term financial health.
Buy a home with as little as 3.5% down. Ideal for first-time buyers and those rebuilding credit, with flexible qualification standards and competitive government-backed rates.
Zero down. No PMI. Below-market rates. If you've served our country, you've earned one of the most powerful home financing tools available. We'll help you use it.
Building your dream home? Our one-time-close construction loans bundle your build and permanent financing into a single loan one application, one closing.
Turn a fixer-upper into your forever home. FHA 203(k) and other renovation programs roll purchase price and renovation costs into one convenient mortgage
Buying a high-value property in California or Hawaii? Competitive jumbo loan rates with flexible terms for luxury homes and properties above conventional loan limits.
Provide basic information to see what loan options are available for you.
Share your details along with supporting documents for home loan approval.
We verify your financial information and complete a property appraisal.
Sign your final documents and secure your home loan or refinance.
Buying a home or refinancing doesn’t have to be overwhelming. We’re here to give you the right information, simplify the process, and guide you every step of the way. With flexible mortgage options designed for your unique situation, we’ll help you move closer to your dream home with confidence.
Your financial journey is unique and so are our solutions. Whether you’re purchasing your first home, refinancing, or simply exploring your options, we’re here to provide clear guidance and personalized mortgage services that fit your needs. Together, we’ll help you make decisions that build a secure future.
Think of us as your smart guide to homeownership. From finding the best rates to tailoring mortgage solutions just for you, we make the process clear and stress-free. Whether it’s your first home or a refinance, we’ll help you make informed choices with confidence.
Have questions about the mortgage process? We’ve got clear, honest answers.
It depends on the loan type. FHA loans require as little as 3.5% down, VA loans require zero down for eligible veterans, and conventional loans typically start at 3–5%. DSCR investment loans generally require 20–25% down. We’ll help you identify the lowest down payment option for your situation during your free consultation.
Minimum credit scores vary by loan type. FHA loans can work with scores as low as 580 (with 3.5% down) or 500 (with 10% down). Conventional loans generally require a 620+ score for the best terms. Even if your credit isn’t perfect, we have programs that may still work for you — we’ll review your full financial picture, not just your score.
Our average loan approval period is 10 days from complete application. Pre-qualification can happen the same day. The full process from application to closing typically takes 21–30 days depending on the property and loan type. We keep you updated every step of the way.
Pre-qualification is a quick estimate of what you may be able to borrow based on self-reported information — useful for early planning. Pre-approval is a verified review of your income, assets, and credit, resulting in a conditional commitment letter that sellers take seriously. We recommend getting pre-approved before you start house hunting.
Absolutely. We specialize in DSCR (Debt Service Coverage Ratio) loans for rental property investors — these qualify based on the property’s rental income, not your personal income. We also offer fix-and-flip financing, multi-unit financing, and commercial real estate loans.
As a licensed Mortgage AND Real Estate Broker, we have access to dozens of lenders and can shop the market on your behalf to find you the best rates and terms. We’re not limited to one institution’s products. Plus, our dual licensing means we understand the full transaction — not just the financing side — which leads to smoother, faster closings.
