• Our Simplified Approach...

    Step 1: Apply

    Get all your info to us and we’ll verify for accuracy. See how to qualify for a home loan or additional questions.


    Step 2: Approved

    Then we submit to underwriting and get you approved for closing!


    Step 3: Close

    Once your loan has been clear to close, we prepare your closing documents and send your money!


    Conventional Loans

    With many options and competitive rates our conventional home loans are flexible to meet your specific needs. We have fixed rate and adjustable rate loans for home purchase, investment, or new construction.

    VA Loans

    VA loans are only offered to veterans. This is a popular loan because a VA loan allows you to obtain 100% financing with no mortgage insurance. As a veteran you are able to get a loan up to $417,000.

    FHA Loans

    FHA mortgage loans are popular for 1st time homebuyers because they only require a down payment of 3.5% and that money can also come from down payment assistance grants.

    Jumbo Loans

    For those who require larger loans for their single family homes, our jumbo loan products offer buyers a solution with competitive pricing.


    Tony H.
    Paint Contractor

    Would highly recommend Sprint Funding to all. High integrity and constant communication from start to finish. We loved how we were kept in the loop with updates and walked through on how to qualify for a home loan!

    Kevin S.
    Sales Associate

    Honest service. We knew Josh growing up here in Fallbrook. Love to support local businesses.


    Most people are excited and know the many benefits and rewards of becoming a new homeowner. What most don’t know is how to qualify for a home loan.
    Lately, people are confused about getting qualified for a mortgage – a lot of misinformation is out there in the market. It’s common to hear people say, “I heard banks aren’t lending money right now,” or, “I heard you need to have 20 percent down to get a mortgage.”

    We will help you and explain how to qualify for a home loan. Educating yourself is key, and there are a number of ways to avoid the heartache and disappointment when learning how to qualify for a home loan.

    Learn how to think like a lender and educate yourself on the best ways to get your mortgage loan approved:

    Know Your Credit Score

    It literally takes a few minutes to pull your credit report and we will gladly help you right HERE. We are aware that several missed payments, frequent lateness, and other derogatory credit information can stop your mortgage approval. We help you to understand your report and provide suggestions on how to clean up your credit history so you qualify for your new home loan.

    You may just be pleasantly surprised.

    We look forward to working with you!