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Welcome to Cross State Funding
At Cross State Funding, we simplify the home buying process with over 40 years of mortgage industry expertise as a 100% family-owned business. We take pride in treating each client like family, offering exceptional personalized service every time.
Our cutting-edge digital pricing engine caters to even the most discerning rate and fee shoppers. Need a loan with less-than-perfect credit? Our loan eligibility tool matches you with the ideal lender. Whether you have excellent credit or not, Cross State Funding has the perfect solution for you.
Based in Buffalo, New York, we are licensed in New York, Florida, and California, serving both East and West Coast clients. Contact us at 1-877-234-1898 for fast approvals, personalized guidance, and a totally transparent process.
Our licensed loan originators are available 24/7 for your convenience. Reach out to them via call or text anytime for assistance. Explore our team of licensed mortgage brokers on the “Meet our team” page. We operate around the clock to match the dedication of your real estate agents and deliver top-tier service to our clients.
Loans are arranged through 3rd party lenders. Resistered Mortgage Broker-New York State Department of Financial Services.
Visit our site for authentic reviews or head to Zillow.com for hundreds more testimonials.
Our Home Loan Programs
- FHA Loans - ASK ABOUT DOWN PAYMENT ASSISTANCE PROGRAMS.
- VA Loans - OUR SPECIALITY. PROUD MEMEMBER OF CALVET.
- USDA - No money down, and up to 102% financing available (Ask for more information).
- HomePath - Get flexible financing for REO properties.
- Jumbo - Shopping the luxury market? Request a consultation with a jumbo specialist.
- Refinance - We offer mortgage refinancing for any of the programs above, as well as HELOC and HARP for underwater mortgage borrowers who need to lower their rate.
Serving all of New York , Florida and California, including our specialty areas: Buffalo- Rochester - Syracuse - Albany - Brooklyn - 5 NYC boroughs, entire state of Florida, and entire state of California.
What Our Clients Are Saying
Jeff
"There is not enough space here for me to go into detail about how much Jeremy did for me. I would’ve never bought this house if anyone else had been appointed to me. He walked me through every step, kept me level headed during the hard times and celebrated with me the good. I didn’t even understand what role the lender played. I thought it really didn’t matter who it was. I was so wrong. Every time for the rest of my life I hear anyone say I’m looking at houses I am sending them Jeremy’s info. Do yourself a favor and start your home buying process with Jeremy at Cross State Funding. I felt like he was my family by the end. I even gave him my bank password because I couldn’t figure something out. If that doesn’t tell you what you need to know, I don’t know what does."
hoge
"I'm a first-time home buyer, and in the process of obtaining mortgage pre-approval I ended up getting three different loan offers. Cross State Funding was far and away the best of these, offering me an incredible interest rate, much lower than the others; they were also the only company who offered me a conventional fixed-rate loan. In a word, the team I worked with were just on top of it, start to finish. I could text anytime, including weekends, and get a response with whatever information I needed. I can't stress how valuable it was to have such prompt, clear communication throughout the process of buying a home, especially as a first-time buyer. Cross State Funding is honestly the real deal - I couldn't imagine working with a better lender, and I would absolutely recommend them to anyone!"
bonomo
New York
"Evan helped me lock up a deal a few states away. He is extremely knowledgeable and reliable. He always answers his phone and knows how to get the job done. I highly recommend Evan Roedel to anyone looking to buy a home or an investment property."
Kathrny
Eden NY
"Jeremy and his team at Cross State Funding were so helpful and involved with the whole home buying process. I could not have asked for more! Verry fast close and recommend 100% to anyone buying a home!"
Anonymous
florida
"I worked with Jeremy to move from New York to Florida. I thought the home buying process would be a nightmare and nearly impossible to pull off. Jeremy was there with wisdom and support through the whole process. His knowledge and commitment to his work helped me maintain my sanity. So glad I chose to work with him."
Josh
New York
"I'll say I started my process with a different lender, that turned out to be not what I wanted. I was suggested Evan through someone I know., it turned out to be the best decision I made. he made every bit of the process easy, and I had no complaints, I would highly recommend him and anyone at Cross State to anyone buying a house!"
Helen
" "Sam and Jeremy Thank you for jumping into my life and introducing me to Cross State Funding. Whatever proactive steps you took, it made a trustworthy, impressive impression and...l'm on the verge of owning my first home! Dude!!! - I'm 59. (Fifty-NINE) - Almost ready to give up. But, thanks to you, first, and then Jeremy Klenner, ol' Helen here is about to nestle into her first piece of real estate. May God bless and keep you,""
The Reidell Family
Oswego, New York
""The staff at Cross State Funding made my first home purchase an easy experience. They walked me step by step through the entire financial process, responded promptly to any concerns or questions, and maintained contact until the papers were signed at closing! Highly recommend!!"
Charles England
San Diego
"EXTREMELLY HAPPY Our experience with Carol Hilliard and the entire team over at Cross State Funding was first rate and we strongly recommend them. Carol worked tirelessly behind the scenes making sure that we got the best mortgage for our needs, and at the most competitive rate. We especially appreciate how the team explained everything to us and that someone was always available to answer our questions. This is our second positive experience with Cross State Funding and we will definitely use them in the future if we have mortgage needs."
Brian
Lockport NY
"I saw Joe through some Facebook ads and got in touch with him. He was quick to respond, easy to talk to and make the whole process stress free. Originally I had my mind made up on the loan I wanted and the rate I was comfortable with. After talking with Joe he gave me a few options that I hadn't considered. We ended up closing cheaper than expected and my interest rate was lower than I thought. More cash in my hands for moving and renovating is NEVER a bad thing!! I never felt pressured to make any moves I wasn't comfortable with, but after one conversation with Joe it was clear he is well versed in what's out there. He was thorough and quick and had my back every step of the way. Closing was smooth because Joe put the work in early so that every detail was covered by the time I had to sign my name. I'd highly recommend Joe to anyone buying whether it's your first home or your upgrading. "
Zillow User
Cape Coral FL
"Tarek goes above and beyond! Tarek was extremely helpful during the entire loan process! He made himself available to answer any questions /concerns during business hours as well as nights and weekends. Thanks to Tarek, the entire process went smoothly as expected. Service date - 8/2019"
Peter Apaiz
Manteca CA
"BEST LENDER Joseph Parrott and David Ruta from Cross State Funding. One of the most trusted Leaders that I came across helped my family achieve our first home and also helped my mother as well....I highly recommend him. He is more than qualified. Thanks! Closed 9/2019"
Itihet Hernandez
Palm City FL
"The whole process was quick and easy our lender was always there to answer our questions and I highly recommend Jesse Meyer to anyone looking for a great lender. My rate was lower than expected. Closing costs were as expected. Closed - 6/2019"
Carol Hilliard
"Received this card today from very happy clients! Thank you Monique and Mike and I am so glad you are thrilled with your new home! It was a pleasure working with you!"
Falonia Lamar
NY
"A Miracle Worker From the very first day that I contacted Jesse and his team, they worked harder than I ever seen any company work. I mean when credit wasn't where it needed to be he called me with bad news but already had a solution in place. When I needed to have money in a certain place he called to ensure that I had time to get it where it needed to be. Never making me feel bad through this process. It was a extended process but thank God for Jesse and his team for always being considerate of my feelings my overbearing calls and a million question in regards to the same thing. If I had to redo this process I wouldn't want to do this with any other company but Cross State Funding. Thank you for taking my message and turning it into a miracle."
Jeremiah
CA
"My wife and I just relocated from Colorado to California and bought our first house during the moving process. Cross State Funding was so helpful. They communicated frequently with us and did their best to get us a great interest rate (which they did). They made sure we understood all the paperwork along the way. Every little detail was handled and explained. As first time home buyers we were honestly nervous and confused the people at Cross State Funding were fantastic. I would recommend them over and over, and if we buy again they will be the company we will reach out to. Rate and fees were lower than expected. We closed 5/2019"
Amanda
CA
"I had my first experience buying a home this year, and I cannot say enough good things about the process with this team! Everyone was so on top of it. I am very type A and a do-er and when I want done, I want it done yesterday! Everything and I mean everything was done without me even asking, or even having to think. My family was completely taken care of, I still am I awe!!!! I would do it over again a thousand times! I mean who else says that, when it comes down to buying a home!? I could not be happier with the service and help. I truly feel grateful and so blessed that I found such a wonderful team!"
Jason
NY
"Jesse took the time to get us where we needed to be to get a mortgage. Going in to this was a ton of uncertainty but him and his firm made us feel completely comfortable that under their guidance a mortgage loan was going to happen. And it did...….closed 8/19"
Imundis
NY
"GREAT EXPERIENCE! Jesse from Cross State Funding was extremely helpful and professional throughout this process. He helped make the process of buying a home less stressful and actually easier than expected. He made the communication easy by making himself available through email/call/text and would respond within the hour with any questions."
Tabatha Moore
"BUYING OUR FIRST HOME. My husband and I recently bought our first home. Carol was a god send! She was there to answer all questions at any time of the day! I highly recommend Carol for all of your mortgage needs! Your the best Carol!! Thank you so very much!!!!!!"
Lily Martin
NY
"FAST AND EFFICIENT! We were to hesitant to buy our first home after years of renting. One of our friends recommended us specifically to Joe and he really helped us LEARN and appreciate the entire process. His attentiveness to our questions and concerns were always handled with patience and a full spectrum of knowledge"
Zuser
"TAREK WAS AMAZING. Tarek was really great. He really took the time to fully explain everything and make sure we were comfortable with our decisions we were making. I would recommend Tarek to anyone looking to buy a home. Especially first time home buyers "
Nicole Bayldon
"Received the sweetest card from the Spallino's today and it makes every hectic moment of the mortgage business worth it! Thanks so much, Spallino's and enjoy your new home! (You can right click on the tiny image below to see the card!) "
Jonathan Klinger
"Jesse was available 24/7 to help us with all our home buying needs"
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