Purchase Loans
Home Equity Loans
Purchase Loans
Refinance
Home Equity Loans
Purchase Loans
Home Equity Loans
Home Equity Loans
Home Equity Loans
About My Mortgage Funding LLC
My Mortgage Funding LLC is a Southern California-based mortgage brokerage. With over 20 years of experience in the industry. We take pride in our commitment to delivering personalized solutions and dedicated customer service to ensure our clients have the best possible home buying or refinancing experience. We specialize in VA, FHA, Jumbo, Conventional, and Non-QM mortgage loans. We are committed to helping our clients make informed decisions about their mortgage options and finding the best financing solutions that meet their needs.
Discover Our California and Texas Home Loan Options
Home Loans
We offer a broad selection of home loan solutions for new purchases.
- Primary, Secondary, and Investment Properties
- FHA, USDA, and VA Loans
- Conventional Loan Options
- NON QM DSCR Options
- Competitive Rates & Flexible Terms
Conventional Home Loans
Conventional loans provide advantageous terms, featuring reduced mortgage insurance and lower interest rates.
- 30, 20, and 15-Year Terms
- Primary Homes, Secondary Homes, and Investment Properties
- Up to 95% Financing Available
FHA Loans
FHA home loans are an excellent option for first-time homebuyers, though you don’t need to be a first-time buyer to qualify
- Low 3.5% Down Payment
- Flexible Credit Requirements
- Ideal for First-Time Homebuyers
VA Loans
As an approved VA lender , we’re dedicated to helping our veterans secure the home financing they deserve with competitive low rates.
- Zero Down Payment – 100% Financing
- No Monthly PMI
- VA Jumbo Loans
USDA Home loans
USDA home loans are designed for rural properties, offering 100% financing and competitive rates for qualified buyers:
- 100% Financing for Rural Properties
- Primary Residence Only
- Option to Roll Closing Costs into the Loan
- Low Interest Rates
Jumbo Loans
Our Jumbo mortgage programs provide financing up to $3,000,000 through private investor channels, offering flexible and tailored guidelines
- Financing Up to $3,000,000
- Available for Primary and Secondary Residences
- Investor-Specific Guidelines
- Minimum Credit Score
Mortgage Refinance
Experience hassle-free mortgage refinancing and unlock significant savings with lower rates and improved terms:
- Reduce Your Monthly Payments
- Shorten Your Mortgage Term
- FHA Streamline Refinance
- VA
Cash Out Refinance
Leverage your home's equity with a Cash-Out Refinance — enjoy competitive rates and flexible loan options tailored to your needs:
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Higher Education Costs
Your Reliable Mortgage Partner in California and Texas
Low Rates
Close on Time
Close on Time
As a trusted mortgage lender, we offer low rates, minimal fees, and quick closings. Proudly approved for FHA, VA, and USDA loans.
Close on Time
Close on Time
Close on Time
Our mission is to close every home loan within 30 days or less. With in-house underwriting, streamlined processing, and reliable funding, we ensure a smooth closing experience.
Local Service
Close on Time
Local Service
Providing home loans in California and Texas with exceptional customer support, local underwriting, and swift approvals.
Meet the Team
Jose Chavez
Miranda Palazzolo
Miranda Palazzolo
NMLS 863587
Miranda Palazzolo
Miranda Palazzolo
Miranda Palazzolo
NMLS 2251397
