Business Details
Your Trusted Mortgage Lender in Orange, CA
Just Funded Mortgage is a full-service mortgage lender dedicated to providing competitive loan products and exceptional customer service. With approval in 46 states and strategic partnerships like Home Mortgage Alliance Corporation, we streamline the lending process to ensure timely, hassle-free transactions. Our experienced team specializes in conventional, FHA, VA, USDA, Jumbo, and Non-QM loans, catering to diverse financial needs.We prioritize client education and transparency, offering flexible terms and personalized guidance from pre-approval to closing. Backed by robust industry expertise and a commitment to innovation, we empower clients to achieve homeownership or refinance goals efficiently. Our focus on speed, convenience, and customer-centric solutions solidifies our position as a trusted partner in the mortgage industry.
Services
Conventional Mortgages
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Non-QM Loans
Reverse Mortgages
Home Equity Loans
Refinance
Home Buyer Education
Highlights and features
- We offer competitive mortgage rates across 46 states.
- Our streamlined process ensures quick loan approvals.
- We provide a variety of loan options including conventional, FHA, and VA loans.
- Our experienced loan officers deliver personalized service.
- We guarantee on-time loan closings for purchase transactions.
Services
Conventional Mortgages
Conventional mortgages offer flexible terms for homebuyers with strong credit. We provide competitive rates and options like Fannie Mae and Freddie Mac programs. Our streamlined underwriting ensures quick approvals for qualified borrowers.
FHA Loans
FHA loans require low down payments and credit scores starting at 500. Ideal for first-time buyers, these mortgages offer gift fund options and lenient qualification criteria. We specialize in FHA streamline refinances with no appraisal requirements.
VA Loans
VA loans provide 100% financing for eligible veterans with no down payment or PMI. Our team processes VA IRRRLs quickly, eliminating private mortgage insurance while reducing monthly payments for qualified applicants.
Home Equity Loans
Access your home's equity through HELOCs or fixed-rate loans. We offer up to 95% LTV with flexible repayment terms. Funds can be used for debt consolidation, home improvements, or major purchases.
Refinance Programs
Our refinance options reduce monthly payments, eliminate PMI, or tap into home equity. We support cash-out refinances, rate-and-term adjustments, and streamline processes for FHA/VA loans without appraisal requirements.
Questions
What loan programs do you offer?
We provide conventional, FHA, VA, USDA, Jumbo, Non-QM, reverse mortgages, and home equity loans. Our options include low down payment programs and flexible qualification criteria.
How can I get pre-approved?
Apply online or contact our team to submit income verification and credit details. We typically issue pre-approvals within 24-48 hours with no impact on your credit score.
Do you offer refinancing options?
Yes, we specialize in rate-and-term refinances, cash-out refinances, and streamline programs for existing FHA/VA loans. Our process reduces monthly payments or taps into home equity.
What credit score is required?
Minimum scores range from 500 for FHA loans to 620 for conventional mortgages. Our loan officers help applicants with unique circumstances secure financing solutions.
How long does the mortgage process take?
Most loans close within 18-20 business days. Our expedited underwriting and digital tools accelerate approvals while maintaining compliance with industry regulations.
Are there closing cost options available?
We offer no-closing-cost options and lender credits to qualified borrowers. Our team transparently discloses all fees during the pre-approval process.
Videos
Reviews (6)
Anne Riches
Oct 05, 2021
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Just Funded Mortgage helped us with a purchase money loan to buy our house and did a great job! The team were very responsive throughout the process and the closing went smoothly. I would definitely recommend Joel and Prime Lending. During a very hectic and crisis time, he was a reassuring ally.
Janet Rimmer
Oct 04, 2021
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I thought working with my previous lending was great - Just Funded Mortgage and his team were quick to respond, easy to talk to, and helpful with explanations. It is my 1st home purchase so I had a lot of questions and doubt, was emailing at all hours of the day and night trying to understand mortgage terminology or implications. The whole team was very professional and patient with me. They were recommended by my best friend. Thanks guys.
Abisha Matusevitch
Oct 03, 2021
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Just Funded Mortgage made the interaction simple and were extraordinary at speaking with me. Will suggest and utilize once more!
Sheila Atkinson
Sep 30, 2021
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Jasmine and her team worked effectively on my home refinance. The interaction was really simple and advantageous. The rates were right on target and the staff caused us to feel like family. Enthusiastically suggest!!
Erin Robel
Sep 30, 2021
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We cant recommend Just Funded Mortgage enough if you are looking to purchase a loan using mortgage. We switched to JFM under a tight schedule on our first home purchase as a new family and they completely nailed it. JFM track record speaks for itself, we highly recommend giving him a call.
Berta Buckridge
Sep 29, 2021
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I strongly suggest JFM for home loan. Their team worked effectively getting contract for my home buy. The cycle was straightforward and productive right from quoting/locking rate to gathering records to subsidizing loan on schedule for closing. Generally speaking a strees free process!
