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Buffalo mortgage broker
Your Mortgage, Made Easy.
Family-owned and based in Buffalo, we've been helping families across Western New York become homeowners for over a decade, and we extend that same hands-on service to clients in Florida. A real loan officer picks up the phone, shops hundreds of lenders for you, and walks you home from prequalification to closing.
Not a lender. Loans arranged with third-party providers. Submission is not an approval or commitment to lend.
Why Cross State Funding
A family-owned broker that still feels personal
At Cross State Funding, home isn't just what we help you buy; it's who we are. Founded and family-owned in Western New York, we combine local expertise, integrity, and personalized service to help every client find the best home loan for their needs.
Family-owned
Founded and family-owned right here in Western New York. We treat every client like part of ours, from the first phone call to the final signature.
Registered and local
Company NMLS #98185. Local office in North Tonawanda, NY. Registered in NY and licensed in FL. A real person reviews every prequalification.
Hundreds of lender partners
As an independent broker we shop across hundreds of top lenders, so you see competitive rates, flexible terms, and faster approvals from one team.
Honest guidance
No confusing jargon, no hidden surprises. If a refinance, equity tap, or purchase strategy doesn't fit, we'll tell you so, and what does.
1,500+
Closings completed
Helping families buy, refinance, and use home equity across NY and FL.
98185
Company NMLS
Verifiable on NMLS Consumer Access.
NY · FL
Authorized in
Buffalo-based, serving Western New York and clients across Florida.
Start in 60 seconds
Where are you in the journey?
Quick estimate
Estimate a monthly payment
Estimated principal & interest
$2,398
per month, excludes taxes, insurance, HOA, and PMI
Estimates only. Not an approval, preapproval, rate quote, or commitment to lend. Actual figures depend on your credit profile, property, program, and lender availability.
Rate watch
National market averages
National market averages, educational only. Not a Cross State Funding quote, offer, approval, or commitment to lend. Actual rates depend on credit profile, property, program, and lender availability.
Get a personalized rate reviewBuy a home
Compare loan programs, lock in a prequalification, and shop with confidence.
Explore buyingRefinance
Lower your payment, drop PMI, shorten your term, or pull cash out responsibly.
Review refinanceHome equity
Use the equity you've built without giving up your current low rate.
Tap home equityGet prequalified
Share a few details and get a real prequalification review from a loan officer.
Start prequalificationOur home loan programs
From first-time buyers at 3.5% down on FHA, to VA loans for our veterans, to USDA, jumbo, and our 1% Down conventional option, we'll match you to the program that actually fits.
Conventional
Flexible terms for buyers with steady credit and income.
- Down payments as low as 3%; ask about our 1% Down option
- PMI can drop with 20% equity
- Fixed and ARM options
Best for: Repeat buyers with strong credit
FHA
Government-insured loans built for first-time and credit-rebuilding buyers.
- Down payments from 3.5%
- More forgiving credit requirements
- Gift funds and DPA (down payment assistance) friendly
Best for: First-time buyers
VA
Our specialty: 100% financing for eligible veterans, active-duty service members, and surviving spouses.
- No required down payment
- No monthly mortgage insurance
- Competitive fixed-rate options
Best for: Veterans and active-duty service members
Jumbo
Financing above conforming limits for luxury homes and high-balance scenarios.
- Loan amounts above conforming limits
- Custom underwriting paths
- Primary, second home, or investment
Best for: Luxury and high-balance loans
VA loans, our specialty
0% down, no monthly MI, and a team that knows the VA playbook
For eligible veterans, active-duty service members, National Guard, Reserves, and surviving spouses. Eligibility, entitlement, and final terms are always confirmed by your loan officer.
What our clients are saying
Review counts and ratings reflect the public Zillow and Google profiles for Cross State Funding as of May 2026 and may change over time. Testimonials reflect the experiences of individual clients and may not be representative of all clients. Past results don't guarantee future outcomes.
Frequently asked
Quick answers before you start
No. Cross State Funding Corp. is a family-owned mortgage broker — a Registered Mortgage Broker in New York (NMLS #98185). We arrange financing through hundreds of third-party lenders, which gives you access to multiple loan programs and real pricing scenarios from one local team.
Prefer to talk?
Call our team in North Tonawanda, NY
416 Oliver Street, North Tonawanda, NY 14120
Connect with our experts today
Let's get you home, talk to our Buffalo team today
Whether you're ready for a fast prequalification, want an honest rate conversation, or need a second opinion on a quote you already have, we're here. Family-owned, local, and easy to reach. No spam, no surprise fees, no obligation.