RealFi Home Funding Corp.

We Are RHF

RealFi Home Funding Corp. is one of the top 10 privately held, non-bank mortgage lending firms in the U.S. and has been in business for over20 yearsIn today’s on-demand and digital economy, Realfi knows customers benefit the most by dealing with professionals, not just algorithms. Our success is based on hiring local market experts who understand existing regulations and can recommend a type of mortgage tailored to each borrower’s unique financial situation and goals, at a competitive rate. We strive to provide more than mortgage lending, and in that same vein we realize that our biggest asset is our people. So while the rest of the mortgage industry is interested in short-term gains, we’re investing in technology and training our team—always having one hand in the future. The result is an elevated level of service that ensures an easy home buying process for everyone RealFi works with, including real estate agents, the home builder community, and most importantly, the borrower.

Personalized Mortgage Lending

Competitive Mortgage Rates

Quick Mortgage Process

Purchase (Purchase Home Loans)

Use our free home purchase qualifier to see what you can afford.

I don’t have money to put down on a home

I want to buy a house that needs some work

I’m a veteran or I’m actively serving in the military

I don’t have a lot of money for a down payment

I want to put more money down for better options

I want the lowest rate if interest available

I need a loan over $425,000

I would like to live in a rural area

Me or my spouse are over 62 and want  cash out with no payment

No Money Down

Is No Money Down Mortgage Loan right for you?

Get a FREE quote and find out how much you qualify for.

No Money Down Loan Options:

RHF offers multiple options for customers looking to purchase a home with little to no money down. These options include USDA and VA Loan financing for up to 100%; meaning no down payment.

  • USDA Loan
  • VA Loan


Is a Renovation Loan right for you?
203k Renovation Loans from RealFi Funding

Here’s why an FHA 203k Renovation Loan may be exactly what you’re looking for…

Most people think renovation loans are designed for houses that are in need of major rehabilitation. However, they are far more than just that – they can include a vast range of projects, like bathroom remodeling, roofing, flooring, room additions, air conditioning systems, and even new appliances! These can all be funded with a renovation loan which covers not only the cost of the property, but also the cost of necessary home repairs. Turn a place with potential into the home of your dreams with a renovation loan.

We offer several products for minor or major upgrades on your home. Our renovation programs make it easy for you to improve your property by including the extra financing in a purchase or refinance loan.

HomeStyle® prevents borrowers of a purchase or refinance from having to get a second mortgage to renovate and is offered to both homebuyers and investors.

A renovation program makes it convenient for you to improve a property by including the extra financing in a purchase or refinance loan.

Homeowners whose homes need improvement can also refinance with these loans.

Perfect for first-time buyers, low-to moderate-income, buyers with limited cash, and for those who have minor credit problems. The first step in obtaining your rehabilitation loan is getting in contact with a loan officer who will walk you through the process and guide you the entire time.

CTA: Take Control and Get Prequalified Today for FHA Home Renovation Loans

Get your FREE renovation loan rate quote here!

Get a FREE quote on a renovation loan and find out how much you qualify for.

VA Loan

Is a VA loan right for you?

Get a FREE quote on a VA loan and find out how much you qualify for.

  • Veterans Administration (VA) Loans are loans offered exclusively to active duty military, veterans, and surviving spouses or dependents.
  • A VA loan is a home loan guaranteed by the U.S. Veterans Administration. Eligible veterans may be able to purchase a home with no down payment and no cash reserve. The VA establishes the maximum loan amounts and eligibility requirements.
  • Typically these loans have no down payment – Loan fees are also rolled into the loan. Income restrictions do not apply, and you can also qualify for a refinance at a lower rate when rates change.

We at RHF are incredibly grateful to our active military and veterans who have served our country. We want to do everything in our power to get you into the home you deserve. Read on to see what a VA loan offers.

At Residential Home Funding, we created the Mortgages for Champions Program as a thank you to our selfless, hardworking champions in the following industries: EMT, Firefighting, Government, Law Enforcement, Medical, Military, and Education. We acknowledge and appreciate what each you do for us and our communities. Because of your selfless dedication, we proudly offer you a special, discounted mortgage.

Our mortgages for champions discount program waives all of our lender fees. Lender fees – also called lender closing costs – are applied by all mortgage lenders (even banks), and can sometimes surpass $1,700. These lender closing costs are removed by us, which include NO application fee, NO processing fee, NO underwriting fee, and NO commitment fee.

Visit our Mortgages for Champions website and learn more here.

  • Locking in a loan with no down payment.
  • Low monthly payments.
  • No mortgage insurance required, saving you thousands.
  • Typically no lender fees.
  • You may roll in your closing costs.
  • More credit-flexible than a typical conventional loan.

VA loans are some of the most inexpensive loans available today! On top of that, you don’t need perfect credit to qualify. Even if your credit is below 600, we may be able to work to get you qualified. So reach out today and get your free rate quote!

Take Control and Get Prequalified Today

FHA Loan

Is an FHA loan right for you?

An FHA loan is a loan insured by the Federal Housing Administration. They do not underwrite the loan, they simply insure it for the lender.

  • An FHA loan is more accessible since you don’t need a high-paying job or the best credit.
  • Credit score requirements are lower, allowing people with not so perfect credit to qualify.
  • FHA Loans have lower down payments that can get as low as 3.5%, and can be used for a purchase or refinance.
  • Your down payment can be gifted from a relative.
  • You can roll in all your closing costs.
  • You can also get cash out on a refinance.
  • There are also FHA renovation loans for repairs.
  • If you have low credit or a high debt to income ratio then FHA loans may be the right option for you.
  • Steady employment history or worked for the same employer for at least one year.
  • Valid Social Security number, lawful residency in the U.S., however, you do not have to be a U.S Citizen.
  • Make a minimum down payment of 3.5% on the house. The money can be gifted by a family member.

Take Control and Get Prequalified Today

ARM Loan

Is an ARM loan right for you?

An ARM – adjustable rate mortgage – is a home loan with an initial fixed interest rate that changes after a specified period of time depending on current market conditions.

  • Capability to significantly reduce the cost of your mortgage.
  • Perfect for people looking to move or refinance in the next 5, 7 or 10 years.
  • Prepayment penalties do not apply so you can pay your mortgage whenever you want.
  • Lowest mortgage rate available.
  • Interest rates are fixed for 5, 7 or 10 years. After this intial period, depending on market conditions, your interest rate can change once per year.
  • Your payment will vary based on your situation and the current interest rates when you apply.

Take Control and Get Prequalified Today!


Is a Conventional loan right for you?

Conventional loans may be conforming or non-conforming. Conforming loans have terms and conditions that follow the guidelines set forth by Fannie Mae and Freddie Mac.

  • 1-4 family properties and Fannie Mae approved condominiums.
  • Loan amounts up to $417,000. ($625,000 in higher market areas)
  • Rates are determined by an evaluation of risk, ensuring the best rate available.
  • Flexible mortgage insurance options are available, including a non-monthly payment option.
  • You can put as little as 3% down on a purchase.
  • Loan product that doesn’t conform to Fannie or Freddie guidelines.
  • Higher loan balances.

At RHF, we also offer different programs that provide down payment assistance to home buyers. They are called the HomeReady and HomePossible programs. These programs are a great avenue for first time home buyers. Borrowers will have the ability to put only 3% down and still close with more flexible mortgage insurance options. They also offer a first time home buyer course that educates you on the entire process as well as qualifies you for these programs. These loans allow you to roll up to 3% of the purchase price in closings costs into your loan. Additionally, they allow 100% of the down payment to be a gift from a friend or family member.

HomeReady is offered by Fannie Mae and HomePossible is offered by Freddie Mac.

  • Conventional loans do not charge the additional fees VA and FHA loans do, and usually require a standard 5% down payment. However, with 20% down no MI is necessary.
  • Higher qualifications like better credit scores give you access to better interest rates.
  • Conventional loans are custom to you in relation to amortization (the number of years needed to pay the loan back). This includes a 15, 20, or 30 year fixed rate term.

Take Control and Get Prequalified Today


Is a USDA loan right for you?

A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program offered by the United States Department of Agriculture.

The USDA has one of the least known mortgage assistance programs, so if you prefer pastures to pavement, a USDA loan may be right for you. We understand that, and want to do everything we can to put you in the home that fits your exacts needs.

  • The best part of a USDA loan is that they require no money down. That’s a zero down payment mortgage!
  • 100% financing available for properties located in rural areas.
  • They allow up to a 6% sellers concession of the purchase price (ability to roll your closing costs into the mortgage)
  • The mortgage insurance (MI) on a USDA loan is very low – lower than any other type available. That’s just 0.35% compared to 0.85% for FHA loans!
  • The rates are very competitive
  • They are available to anyone with a 620 FICO or higher

Take Control and Get Prequalified Today

High Balance Loan

Is a high balance loan right for you?

Jumbo financing refers to loan amounts that are above the Fannie Mae or Freddie Mac conventional guidelines.

  • It can provide loan amounts over $425,000.
  • RHF offers unique product solutions that cater to customers looking for financing above the conventional limits.

Take Control and Get Prequalified Today

Reverse Mortgage

Is a reverse mortgage loan right for you?

Get a FREE quote on a reverse mortgage and find out how much you qualify for.

Mortgage Calculator

It’s important to know exactly what you’re paying each month before you apply for a mortgage. Anyone can take the home property value and enter it into a mortgage calculator to determine the monthly amount. While a mortgage calculator is great for calculating your monthly payments, there are a lot more factors that get calculated into the price the calculator misses which may result in a higher payment.

Mortgage Calculator

  • Using a mortgage calculator is a great way to estimate what your monthly mortgage payment will be.
  • However, there is so much more to consider than just the rate.
  • Do you know what makes up your mortgage payment? As in – what are you paying for beyond the mortgage calculator calculations?

Bottom Line

When applying for a mortgage, it’s very important that you find a loan program or product that fits your specific financial situation and goals. At Residential Home Funding Corp., our loan officers spend time looking at your financial situation, your qualifications, and talk with you to give you the best options available for your personal needs. Our extensive reviews boast 5-star customer satisfaction for a reason.

The more you know

If you’re trying to figure out what you’ll be paying your lender each month, consider all the costs associated with a mortgage payment and your mortgage rate. You start with the home’s price, which will be driven by the health of the housing market. Your credit score is also a huge factor, as is down payment, loan program and DTI.


While the mortgage calculator is a wonderful resource for calculating your monthly payments, keep in mind that more factors go toward the price besides what is represented by the calculator. Hopefully, this breakdown showed you where your monthly payment goes each month and puts your mind at ease.

Use our FREE Home Purchase Qualifier to see how much home you can afford

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About Us

RealFi is a leading, technology driven, alternative investment management firm with expertise in real estate credit strategies. We are redefining the mortgage process from the ground up by combining an innovative approach with an experienced management team.

We combine state-of-the-art technology with in-house expertise creating a seamless, transparent process that transforms mortgage lending from beginning to end.

Take a moment to discuss your next project with a member of our team.