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Welcome to our website.

My name is Fred Marra with H&R Funding, a wholesale mortgage broker.  We have teamed up with many different lenders to offer aggressive loan products and rates for every unique scenario.  Some of these examples are FHA Loans approved as low as 500 FICO, 203k renovation loans, down payment programs as low as 1% down and many more. 

Please feel free to browse the site which offers a wide variety of information for you to better understand the mortgage process.  If you wish to apply, get a free rate quote or have any questions please feel free to follow the links or give me a call or send me an e-mail.  I wil be happy to answer any questions you may have. 

Recent Articles

Credit Score Requirements For 2019 Homebuyers
Your credit score is the first thing we review when applying for a home loan. While there are many factors involved in qualifying, your FICO is the most critical. The minimum credit score needed in 2019 to qualify depends mostly on the type of home loan you are looking to get. Generally...
Is Paying Off Your Mortgage Early Worth It?
Paying off debt as soon as possible is always is a good thing --but does that rule also apply to mortgage debt? Is making an extra payment each month to pay off the mortgage early worth it? In this week's post, we'll explore the pros and cons of paying off the mortgage early. Not a homeowner...
Increased Mortgage Rates --Should You Still Buy In 2019?
Does the news of rising rates make you second guess buying your first home in 2019? It shouldn't and here's why: Higher Rates But Not Frighteningly High With headlines that read "Feds Hike Up Mortgage Rates -- Highest Since 2014," it's no wonder that you doubt that it's a great time to buy...