Western New York

Buffalo, NY mortgage broker

We're a family-owned Buffalo mortgage broker headquartered just up the Niagara River in North Tonawanda. Our team has helped families across the City of Buffalo, from North Park and Elmwood Village to South Buffalo and the East Side, finance purchases, refinances, and home-equity goals for more than a decade.

Company NMLS #98185

Office: 416 Oliver Street, North Tonawanda, NY 14120

Hundreds of lender partners

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Why Cross State Funding

Why borrowers in Buffalo, NY work with us

Local knowledge of Buffalo neighborhood pricing dynamics from the West Side to North Park, Riverside, and South Buffalo.
Familiarity with Western New York seller customs, appraisal expectations, and common inspection issues on older Buffalo housing stock.
Direct relationships with Buffalo-area real estate agents and attorneys who close on tight purchase timelines.
Access to hundreds of lender partners so we can shop your scenario for the best fit instead of forcing one product.

Local notes

What we see in the Buffalo, NY market

Buffalo first-time buyers often pair FHA or our 1% Down conventional option with down payment assistance; ask about current availability.
Two-to-four-unit Buffalo properties can be a strong owner-occupant or investor play; VA, FHA, and conventional all have multi-unit lanes.
Older Buffalo homes may need lead-paint or knob-and-tube notes addressed in the loan file. We'll walk you through it.

Loan programs

Programs we routinely review

We'll match your scenario to the right program before any hard credit pull.

Conventional FHA VA (our specialty)Jumbo

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Nearby areas

Other service areas near Buffalo, NY

Niagara Falls, NY Amherst, NY Tonawanda, NY North Tonawanda, NY

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Cross State Funding Corp. is a Registered Mortgage Broker in New York and a licensed mortgage broker in Florida (Company NMLS #98185). Program availability, rates, fees, and eligibility depend on credit, property, occupancy, and lender. This page is informational and not a commitment to lend.