Welcome to Urban First Funding Corporation (CA DRE #01123224 | NMLS #286137). Led day-to-day by Designated Broker / Officer Maria G. Grajeda (CA DRE #01230233 | NMLS #291710), we guide first-time homebuyers, FHA/VA/USDA families, Down Payment Assistance (DPA) applicants, self-employed business owners, and real estate investors from pre-approval to keys in hand.
Urban First Funding Corporation is an independent, standalone, family-owned California mortgage brokerage founded on October 30, 1991. Every borrower works with a dedicated, licensed team grounded in the Antelope Valley community.
Designated Broker / Officer & Day-to-Day Operations Lead
For over 30 years, Maria G. Grajeda has helped Antelope Valley and California families buy and refinance homes. She leads day-to-day operations in Lancaster, guiding first-time homebuyers, FHA/VA/USDA borrowers, down payment assistance (DPA) families, and homeowners through every step with care, speed, and consistency.
Owner
U.S. Air Force veteran and Owner supporting strategic lending channel access, investor financing programs, and borrower technology systems for Urban First Funding Corporation.
Loan Officer
Dedicated licensed Loan Officer helping Antelope Valley and California buyers compare purchase, FHA, VA, and refinance options with responsive support and clear documentation checklists.
Whether you are buying your first home in Lancaster, using your VA benefit near Edwards AFB, or scaling a California rental portfolio, we match your file to the right institutional program.
Flexible fixed and adjustable-rate purchase and refinance mortgages for primary residences, second homes, and high-balance California properties.
Dedicated support for first-time buyers, Antelope Valley families, USDA rural buyers, DPA applicants, and active-duty military or veterans near Edwards AFB and Plant 42.
Qualify investment properties based on property rental cash flow rather than personal tax returns, structured for 1 to 4 Units, Short-Term Rentals, and 5+ Unit Multifamily.
Built for self-employed business owners, independent contractors, and entrepreneurs whose tax write-offs reduce net taxable income.
Restructure your current mortgage term, remove mortgage insurance, consolidate higher-cost debt, or unlock equity for home improvements and investments.
Prefer to review your documents in person or over the phone? Our Lancaster office is open Monday through Friday from 9:00 AM to 6:00 PM.
Estimate your monthly principal, interest, property taxes, and homeowner's insurance for educational planning purposes before your 1-on-1 review.
REG Z EDUCATIONAL DISCLAIMER: Figures shown are user-entered educational estimates only and do not constitute an advertisement of credit terms, a rate quote, or a loan approval. Actual APR, interest rates, mortgage insurance, and monthly payments depend on full underwriting, credit profile, loan-to-value, and property verification.
Generations of homebuyers in Lancaster, Palmdale, and across California have relied on Maria G. Grajeda and the Urban First Funding Corporation team for honest guidance and smooth closings.
"Maria and the team at Urban First Funding Corp made buying our home in Lancaster smooth from day one. Every question was answered clearly and we closed right on schedule."
"Over 30 years of local knowledge really shows. They walked our family through our FHA and down payment options step-by-step with total patience and professionalism."
"Five-star communication from pre-approval through closing. Whether you are a veteran using a VA loan or refinancing, Urban First Funding Corporation puts your family first."
Clear answers before you submit your application or make an offer on a California property.
Maria G. Grajeda (CA DRE #01230233 | NMLS #291710) serves as Designated Broker / Officer and Day-to-Day Operations Lead at Urban First Funding Corporation (CA DRE #01123224 | NMLS #286137), bringing more than 30 years of hands-on experience helping Antelope Valley and California families buy and refinance homes.
We offer Conventional and Jumbo Home Loans, FHA, VA, and USDA Home Loans, Down Payment Assistance (DPA) evaluation, 12 to 24 month Bank Statement and P&L Non-QM Loans, DSCR Real Estate Investor Loans (1 to 4 Units, Short-Term Rentals, and 5+ Unit Multifamily), and Refinance and Home Equity solutions across California.
Yes. We proudly serve active-duty service members, veterans, and military families stationed near Edwards Air Force Base, USAF Plant 42 in Palmdale, and throughout California with VA Purchase Loans, VA IRRRL streamline refinances, and VA Cash-Out Refinances, subject to VA eligibility and underwriting approval.
Self-employed borrowers can evaluate 12 to 24 month personal or business bank statement programs, CPA profit-and-loss (P&L) programs, and 1099 loan options. Real estate investors can evaluate DSCR loans based on property rental cash flow rather than personal tax returns, subject to credit, reserve, and program guidelines.
You can start your secure digital application anytime via our Borrower Portal at https://app.urbanfirstfundingcorp.com/, book a 1-on-1 strategy call at https://calendly.com/mortgage-master, or call our Lancaster office at (661) 729-2900 or (661) 305-7981.