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Welcome to Urban First Funding

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About Home-Loans?

Construction Loans

Building your dream home from the ground up is an exciting endeavor

Reverse Mortgage Loans

As you approach your retirement years, financial security becomes paramount.

Fix & Flips

Buy rundown properties, renovate, sell for profit in real estate.

FHA Loans

FHA loans are backed by the Federal Housing Administration and are designed to help lower-income and first-time homebuyers.

VA Loans

VA loans are guaranteed by the Department of Veterans Affairs and are available to eligible veterans, active-duty service members

Conventional Loans

Conventional loans are not government-backed and are typically offered by private lenders.

Bank Statement Loans

These allow borrowers to use their bank statements to demonstrate their income and ability to repay the loan.

P&L Loans

These loans use a profit and loss statement from your business to assess your income.

1099 Loans

For individuals who receive 1099 income (common for freelancers or independent contractors)

Rate & Term Refinance

A rate and term refinance is a straightforward approach where a borrower refinances their existing mortgage to obtain a better

Cash-Out Refinance

A cash-out refinance allows homeowners to tap into their home equity by refinancing their existing mortgage for an

Renovation Loans (203k, HomeStyle)

Renovation loans like FHA 203(k) and Fannie Mae HomeStyle loans are specifically designed to help homeowners finance

Debt Consolidation Refinance

Debt consolidation refinance involves combining multiple debts, such as credit card balances, personal loans, or other

Commercial DSCR Loans

Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors looking to utilize the equity in their investment properties.

Fannie Mae HomeReady

Fannie Mae HomeReady is a mortgage program designed to assist first-time homebuyers with moderate to low incomes.

Freddie Mac HomeOne

Freddie Mac Home One is another program tailored for first-time homebuyers.

VA Loans (for Veterans)

VA loans are a valuable option for eligible veterans, active-duty service members, National Guard members, and some reservists.

California Housing Finance Agency

CalHFA offers various programs and assistance to California residents, including first-time homebuyers.

FHA Construction Loans (Minimum 620 FICO)

FHA construction loans provide financing for both the purchase of land and the construction of a new home.

VA Construction Loans (100% Financing)

VA construction loans offer the unique advantage of 100% financing, making it possible for eligible veterans, active-duty

Fannie Mae & Freddie Mac Construction Options

Fannie Mae and Freddie Mac, government-sponsored enterprises, offer construction-to-permanent loans.

USDA 100% Rural Construction Loans

USDA rural construction loans provide 100% financing for eligible properties in designated rural areas.

FHA Reverse Mortgages, Tailored for Your Peace of Mind

As a dedicated financial institution, we understand the importance of ensuring a secure and comfortable retirement for the boomer generation.

Financial Security and Flexibility

FHA Reverse Mortgages provide a reliable source of income for seniors, allowing them to access a portion of their home equity

Loan Backed by the FHA

The FHA backing ensures that seniors can trust the safety and stability of their reverse mortgage.

No Repayment Until Home is Sold

One of the most significant advantages of FHA Reverse Mortgages is that repayment is deferred until the home is sold

Loan Options to Suit Individual Needs

We work closely with each borrower to tailor the FHA Reverse Mortgage to their unique circumstances.

James Butler

2023-08-29

Maria and Isaac were amazing! As an experienced Realtor in two different states, I highly recommend the service of this dynamic duo!!

Cesar O. Figueroa

2023-05-12

UFFC home loans are excellent! They offer competitive rates, and exceptional customer service. I highly recommend them for anyone in the market for a home loan.

Grim Theorist

2023-05-12

Urban First got me my home loan with minimal hassle, and at a great interest rate too. They're very friendly people as well, and that means a lot!

Sonya Garcia

2023-03-19

I would highly recommend this financial funding corporation to handle any of your mortgage needs. They definitely want above and beyond trying to help us with our unique situation treated us like family and rolled out the red carpet go in and asked to speak to Maria. She is the best.