Western New York

Niagara Falls, NY mortgage broker

Cross State Funding works with buyers and homeowners throughout the City of Niagara Falls and the surrounding Niagara County communities. We help first-time buyers, repeat purchasers, and refinancers compare program options with a local team you can call or text directly.

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 Niagara Falls, NY work with us

Hands-on with Niagara County purchase, refinance, and home-equity scenarios.
Comfortable with the FHA, conventional 1% Down, USDA-eligible rural pockets nearby, and VA programs common in the area.
Coordinated communication with Niagara Falls real estate agents and closing attorneys.
Access to hundreds of lender partners: one conversation, real pricing comparisons.

Local notes

What we see in the Niagara Falls, NY market

Some Niagara County addresses qualify for USDA rural housing financing; ask us to check eligibility.
Investor and vacation-rental scenarios should be reviewed for occupancy and program fit before any rate lock.

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 Niagara Falls, NY

Buffalo, NY North Tonawanda, NY 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.