Certified Funding Capital Corp specializes in conforming and non-conforming loans. CFCC utilizes private investors to fund non-conforming loans that Fannie Mae and Freddie Mac do not fund. Due to our relationships with the private investors we are able to approve more loans. The best time to lock the interest rate for a loan is when the market rates temporarily drop. The trend can change upward at any time, so it is smart to take advantage of these temporary dips to get the lowest rate possible. CFCC offers 10, 15, 20, 25, and 30 year fixed-rate mortgages. Adjustable rate mortgages are available with a 5/1, 7/1, 10/1 option. Stated self-employed, no-doc loans are currently being funded with competitive rates and programs. CFCC is offering government programs such as Making Homes Affordable, HAMP, HARP, HAFA, DU Refi Plus, Open Access, and Relief Refinance Mortgages. These programs are for homeowners who are over 80% loan to value. The government programs do not require monthly mortgage insurance. Some loans are approved with no appraisal needed. We service NY, NJ, and CA and have collaborative partners to help assist clients in MA, FL, TX, PA, MD, and CT..