Finger Lakes / Western New York

Rochester, NY mortgage broker

Cross State Funding works with Rochester buyers and homeowners across Monroe County. From Park Avenue to Brighton, Pittsford, Webster, and Penfield, we'll help you compare programs side-by-side with a local team that picks up the phone.

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 Rochester, NY work with us

Comfortable across Monroe County's mix of established neighborhoods and newer suburbs.
Conventional, FHA, VA, jumbo, and renovation loan experience for Rochester scenarios.
Coordinated with Rochester-area real estate agents on tight purchase timelines.
Hundreds of lender partners so your file isn't tied to one source.

Local notes

What we see in the Rochester, NY market

Rochester first-time buyers should ask about FHA + DPA pairings and our 1% Down conventional option.
Refinancers in Pittsford/Brighton/Penfield with strong equity often benefit from a HELOC instead of a full refi.

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 Rochester, NY

Syracuse, NY Buffalo, NY Albany, 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.