Personalized service, competitive rates, and access to multiple wholesale lenders — all from a team that puts you first. From first-time buyers to seasoned investors, we make financing straightforward.
Whether you're buying, refinancing, or tapping your equity, we'll match you with the right program from our roster of wholesale lenders.
Ready to buy? We'll find the right loan for your new home.
Lower your rate, shorten your term, or tap your equity.
Low down payment options backed by the Federal Housing Administration.
Zero down payment for eligible veterans and active military.
Traditional financing with competitive rates and flexible terms.
Access your home's equity for renovations, debt consolidation, or major expenses.
Zero down payment for eligible rural and suburban homebuyers.
Flexible lending solutions for self-employed, investors, and unique financial situations.
JFC Funding LLC is a licensed New Jersey mortgage brokerage serving homebuyers and homeowners across the state. Founded on the principles of transparency, integrity, and personalized service, we work with multiple wholesale lenders to find the best rates and terms for every client.
Whether you're a first-time buyer, refinancing, or looking into investment properties, our team provides expert guidance every step of the way.
Ranked Top 2% of Mortgage Brokers Nationwide by HousingWire in 2026, and named a Top 100 Broker representing New Jersey.
Every client works directly with a seasoned loan officer — from application to closing.
We're not a bank — we're an independent brokerage that works for you.
We shop a vast network of lenders to find you the most competitive rate — not just one bank's products.
Recognized by HousingWire as one of the top mortgage brokers in the country.
Every client works directly with an experienced loan officer from application to closing.
Clear communication, no hidden fees, and a streamlined path to your closing table.
Because we work with a vast network of wholesale lenders, we consistently secure rates that beat what big banks and retail lenders offer.
"Rocco and the JFC team made our first home purchase stress-free. They walked us through every step, answered every question, and got us a rate better than any of the big banks quoted."
"We refinanced with JFC Funding and saved hundreds a month. The process was smooth and transparent from start to finish. Highly recommend."
"As a self-employed borrower, I'd been turned down twice before. Rocco found a program that fit my situation and closed on time. Truly grateful."
Ready to apply or have a question? We're here to help.
Apply online in minutes — our secure application takes about 10 minutes to complete.
Start Your Application Or Call 201-403-0738Run the numbers yourself — five interactive tools to help you plan your payment, pay off faster, or decide on a refinance.
Add each debt below, then enter your new consolidated loan terms.
*Estimated based on current rates and payments.
