Loans Made Simple

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    We have thousands of happy customers receiving the very best service since 2005

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    Loan Process

    Our simplified approach is designed to make your next loan experience a positive one.

    step 01

    1. Consultation

    • checkbox 01Wants & Needs Analysis
    • checkbox 02Application
    • checkbox 03Document Collection
    • checkbox 04Recommendation
    step 02

    2. Staging

    • checkbox 05Lock Loan
    • checkbox 06Sign Disclosures
    • checkbox 07Open Escrow
    • checkbox 08Order Appraisal
    step 03

    3. Underwriting

    • checkbox 09Validate Data
    • checkbox 10Evaluate Property & Borrower
    • checkbox 11Extend Conditional Approval
    • checkbox 12Issue Final Approval
    step 04

    4. Closing

    • checkbox 13Sign Loan Docs
    • checkbox 14Wire Money
    • checkbox 15Fund & Record
    • checkbox 16Post-Closing Reconciliation

    What we offer

    Loan Options

    Sprint Conventional loans

    A conventional mortgage or loan is a home buyer’s loan that is not offered or secured by a government entity.


    Conventional loans

    Sprint VA loans

    Eligible borrowers can use a VA loan to buy a property as their residence.

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    VA loans

    Sprint FHA loans

    Federal Housing Administration (FHA) loans are insures mortgages issued by lenders, like banks, credit unions and nonbanks.

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    FHA Loans

    Sprint Reverse Mortgage

    A Reverse Mortgage could make all the difference.

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    Reverse mortgages

    Sprint Cash Flow Loans

    DSCR loans allow Landlords to leverage current and future rental properties to achieve their investment goals.

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    DSCR loans

    Sprint Bridge Loans

    A bridge loan is a short-term loan used until a person or company secures permanent financing or removes an existing obligation.

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    Bridge loans

    Sprint Construction loans

    A Construction loan can come in handy when you need money to renovate a space in order to repurpose it.

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    Construction Loans

    Sprint Self Emplyed loans

    You can qualify for a personal loan while you are self-employed. See how.

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    Free Consultation

    About Sprint Funding

    When we started the company back in 2006 our goal was to create as much value as we could through the services we offer. We wanted something that wasn’t complicated and that we and those close to us could use ourselves.

    After some time of reflecting we decided in no specific order four things we wanted from our mortgage company: friendly people to talk to, loan officers that know their trade, competitive pricing…

    About Sprint Funding
    So many options
    Really helpful
    Low rates
    Closed fast
    How to qualify for a loan

    How to qualify for a home loan

    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:

    What clients are saying about us

    Don't take our word for it here's what our customers think

    Questions We Want You to Ask

    Our FAQs will help you know more about us and our pre-settlement funding.

    The #1 reason for having the low rates is because we like people and want to help our deserving customers for years to come. One of the challenges we face for earning repeat and referral business is having too high of rates. We never want our rates to be the reason why you use a different lender. Everyone should have access to the most competitive rates on a given day, therefore, we are committed to maintaining this principle with all our products. This is our guarantee to our beloved customers, and we hope to serve you and your friends and family for many years to come.

    The way we guarantee low rates is by leveraging competition, experience, and technology. This is a great challenge and one we embrace. By making low rates a core value, we are committing ourselves to a goal that demands our very best. The more efficient we become, the more effective our team works, the less we need to charge. This is the Walmart way. Not all lenders are created equal, but through our proven methods we are confident we can consistently deliver on this formula and reward our clients with the very best rates.

    There are many reasons to refinance your current mortgage, but if we were to have a top pick, we would say “when the numbers make sense.” On the surface this answer seems like an obvious answer, but in reality it is not so simple. Just because you can lower your rate, does not mean exchanging your current loan for a new one is the right decision. Many factors must be considered before taking this decisive action. Here are a few other things that must be considered before your next refinance: What is your loan amount? How long have you had it? Have you been making extra payments? What are you long term goals with your home? These and more must be considered prior to pulling the trigger on a new loan. Make sure you ask one of our Mortgage Loan Advisors if refinancing is right for you.

    The fastest way to pay off your loan is to make extra payments towards the principle. This can be done in many ways. Here are a few to consider: (1) paying a little extra each month…$50, $100 or more; (2) Make one extra payment a year; or (3) Make a large lumps sums on your next bonus. No matter which method you chose, understand all extra principle payments are applied the same way and help reduce the number of payments on the life of your loan. For example, if you paid $100 extra each month against your $400,000 loan, you would shave 31 payment off the life of your loan. That turns a 30-year loan into a 27.5-year loan. Our Mortgage Loan Advisors are available to create a custom Pay Off Strategy unique to your situation.

    The right time to buy a home is when the numbers make sense. Most lenders can approve you for a loan payment that is more than you can handle. The solution to this dilemma is the budget. We encourage each family to build and own their housing budget. Many factors are included when we approve borrowers for a home loan, but none of our tools consider lifestyle. This aspect needs to be owned and factored in by the client. Just because all your friends are buying a home does not mean you have to buy a home. We are advocates of owning real estate, but we are bigger fans of wise financial decisions. Buying a home should be a blessing, not a headache. Work with one of our Mortgage Loan Advisor to determine the right time to buy for you.

    The best way to hit our deadlines and close on time is to have a plan and work together. When you buy a home, many people are involved. There is a buyer’s agent, a seller’s agent, a loan officer, a processor, an underwriter, a closing agent, an appraiser, an inspector, a termite company….. The list goes on and on. This is very different than a refinance, therefore, we must stick to a plan and everyone must do their part. If we start strong, we usually finish strong. Most of our heavy lifting, if done right, happens during the pre-approval process. In some cases, an underwriter is needed to review files to determine the likelihood of approval. The worst thing for any purchase transaction is to have problems with your loan at the very end. Most of these challenges can be resolved by being extra thorough upfront. Our Mortgage Loan Advisors are trained to identify and avoid these needless pitfalls that threaten your next purchase.

    We believe a good Mortgage Loan Advisor (MLA) consists of, but is not limited to, great character and seasoned competence. We start with character because character is hard to teach. We can hold people accountable, but there are too many unseen activities that go unseen. Given our responsibilities, we need to make sure each member of our team can be trust with our clients, therefore, we go to great length to ensure each member is carefully selected, so the level of care each customer is received in a praise worthy way. As for competence, this is a minimum prerequisite. We love our MLA’s to be experienced and versed in our industry. In addition, we encourage them to be investors on their own. This level of competence combined with great character is the foundation for the positive experience we desire to provide every customer that puts their trust in us.
    Sprint Funding
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    Sprint Funding can help you get loan rates fast and hassle-free. We have a tried-and-tested loan specialist team that can help you get the homes you always wanted.

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