Southwest Funding Mortgage

Southwest Funding has been a dedicated mortgage lender, serving Texas and several other states since its founding in 1993. The company operates as a Direct Full Eagle Mortgage Lender, authorized to originate and fund a comprehensive suite of residential loans, including government-backed options like FHA, VA, USDA, and HECM (Reverse Mortgages), as well as conventional loans backed by Fannie Mae and Freddie Mac.

Led by experienced professionals like Joe Garrett, who boasts over 26 years in the industry with more than $1.8 billion in residential mortgage transactions, Southwest Funding emphasizes offering wholesale rates, positioning itself as a more cost-effective alternative to traditional retail banks or credit unions. They are committed to providing fast, easy, and on-time closings for home purchases, refinances, and cash-out mortgages.

The lender distinguishes itself by assisting a diverse range of borrowers, including those with lower credit scores (down to 500 for FHA refinances and 560 for FHA/VA purchases) and self-employed individuals. They also offer crucial Down Payment Assistance programs with a minimum credit score of 620, making homeownership more accessible. Their dedication to quality customer service is reflected in their long-standing A+ rating from the Better Business Bureau.