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Welcome to Tam Funding
Customized Mortgage Advice & Options
We help you simplify the process. Get comprehensive rate comparisons across all lenders appropriate for you.
We assess your income, credit score and assets to determine the right mortgage options for you.
Diverse Mortgage Options
Based on your circumstances, we leverage your strong points to get you a range of competitive options from our lenders.
We manage the whole process for both home purchases and refinancing from start to funding with highly trained, experienced professionals to ensure a simple, fast and successful outcome.
One Size Fits One
Create a Strategy That Works For YOU
Consult with one of our highly trained, experienced and caring mortgage professionals right now and get advice on the right strategy for you.
Close in just 5 days…Yes!
Client Case Study: The loan for one of our clients went from submission to Clear to close in just 5 days. -That’s really fast!
1 Day Approval
Client Case Study: A lot can happen in a day. In our client’s case, it was a same-day approval. -That’s really fast!
Close in just 14 days…Yes!
Client Case Study: The loan for one of our clients went from submission to Clear to close in just 14 days – That’s really fast!
24 Hour Approval
Client Case Study: A lot can happen in 24 hours. In our client’s case, it was a 24 hour (one-day) approval. -That’s really fast!
How We Work. Our Mission & Values
At Tam Funding we recognize that we’re here to constantly strive to lower your costs while improving the mortgage products and services our highly trained and experienced mortgage loan officers offer you, the borrower.
We have one objective: Your Satisfaction
We have four goals for obtaining our objective for our mortgage clients:
- Lower costs and more value for clients
- Easier mortgage processes with less hassle for clients
- Fast and efficient turnaround for clients
- A wide selection of lending institutions
Here are some of the more popular mortgages available to you through our lenders.
The classic low cost home funding option. Available in both fixed and adjustable rate plans.
The Federal Housing Administration (FHA), is a U.S. government agency that provides financing options that only require a minimum of a 3.5% down payment. FHA (203H) Disaster Loans however are eligible for 100% Financing.
The United States Veterans Administration (VA) provides up to 100% financing for homes as a benefit to veterans.
A reverse mortgage or Home Equity Conversion Mortgage (HECM) is a type of home loan for older homeowners (62 years or older) that does not require the borrower to make monthly mortgage payments.
Today, many homes require loans that exceed conforming loan limit amounts. Jumbo loans are a popular way to secure financing that exceed certain limits set by the Federal Housing Finance Agency (FHFA). Unlike conventional mortgages, a jumbo loan is not eligible to be purchased guaranteed or securitized by Fannie Mae or Freddie Mac.
Super Jumbo Loans
Many home loans today easily exceed standard Jumbo Loan upper limit amounts and require the financing strength provided by Super Jumbo Loans.
The U.S. Department of Agriculture’s (USDA) Rural Development Guaranteed Housing Loan program offer loans with up to 100% financing at rates below market and reduced mortgage insurance premiums with low credit score requirements.
Private Equity Loans
Private Equity loans are based on the equity value of the property being put up for collateral and not necessarily on a borrower’s credit rating. This type of mortgage is a very useful for certain types of sophisticated borrowers such as those with multiple investment properties.
"I highly recommend Tam Funding because of their creative and persistent ability to work even under challenging circumstances to obtain the best mortgage loans. After reviewing the refinance offer from my existing lender, Tam Funding was able to significantly improve my outcome even as the pandemic lock down took effect. Not only did Tam Funding reduce the loan rate, but they obtained a substantial cash amount for me in the process while still managing to reduce my monthly payments. With the recent uncertainties also, it was challenging to locate an appraiser in a timely manner or even engage some lenders. Tam Funding did both and I am better off for their effort."
WE CAN HELP YOU TOO
Let Us Help You Get The Best Mortgage Available
Join the Tam Funding community of satisfied clients. Everyone at Tam Funding works for you, not the lender. This way you can confidently choose the best mortgage options with the lowest rates available in the marketplace.
Mortgage Resources and Tools
Use the handy mortgage calculator on the right to get an idea of your monthly payment.
Get In Touch
Questions? Reach out to us at anytime. We’ll get back to you usually within one business day.
Tam Funding is a licensed broker under the CA Dept. Real Estate: 02009074. Broker of Record NMLS : 1403204. Corporate NMLS: 1829222. CA Dept. Insurance: OL88065.
Borrower Conditional Approval is issued only when lender underwriting supplies a written clearance to do so. Borrower Conditional Approvals are conditional, not guaranteed and subject to lender review of all borrower information. The final funding of the loan is dependent upon all borrower conditions being met. Rates indicated are subject to market changes and may only be available to certain qualified borrowers. Tam Funding is an Equal Opportunity Real Estate, Mortgage & Insurance Broker
Equal Housing Lender
National Mortgage Licensing System