Business Details
Your Trusted Mortgage Broker in Saratoga Springs, NY
At The Funding Store, we treat each customer as an individual, not a number. Our approach combines common sense with extensive industry expertise to help clients secure the best possible loan solutions. We represent a diverse network of over 100 lenders, ranging from A-rated institutions to specialized hardship lenders, ensuring access to competitive rates across all loan programs. Our team specializes in conforming and non-conforming real estate loans, including fixed-rate mortgages, ARMs, jumbo loans, VA loans, and commercial financing. We accommodate various documentation needs, from full-documentation to no-documentation scenarios, for both owner-occupied and investment properties. With local market knowledge and a hybrid model of cutting-edge technology and personalized service, we streamline the loan process while maintaining transparent communication.Our fast, experienced team works diligently to close loans efficiently, even when unexpected challenges arise. We provide online tools like mortgage calculators to help clients understand their options, while remaining available for traditional in-person consultations. Our Saratoga Springs headquarters and New York City branch serve clients in New York, Vermont, and Florida, with licensing through state financial regulatory agencies. From pre-qualification to funding, we commit to guiding clients through every step of their home financing journey with integrity and expertise.
Services
Mortgage Loans
Refinancing
Fixed Rate Mortgages
FHA Home Loans
VA Home Loans
Jumbo Home Loans
Investment Property Loans
Commercial Loans
Highlights and features
- We offer personalized loan solutions tailored to individual financial situations.
- Our team works with over 100 lenders to secure competitive rates for clients.
- We combine digital tools with traditional customer service for efficient processing.
- Our local market expertise spans New York, Vermont, and Florida.
- We specialize in both conforming and non-conforming loan programs.
Associations and certifications
- NMLS #228206
Services
Mortgage Loans
We provide comprehensive mortgage loan services for primary residences and investment properties. Our offerings include fixed-rate, adjustable-rate, and specialty loans tailored to individual financial situations. With access to over 100 lenders, we secure competitive rates and flexible terms for conventional, jumbo, VA, and FHA loan programs.
Refinancing
Our refinancing services help homeowners lock in favorable rates and improve loan terms. We specialize in converting adjustable-rate mortgages to fixed-rate loans while offering cash-out options and debt consolidation solutions. Our team analyzes each client's unique situation to determine optimal refinancing strategies.
Fixed Rate Mortgages
We offer fixed-rate mortgage options with terms ranging from 10 to 30 years. These loans provide consistent monthly payments and protection against interest rate fluctuations. Our network of lenders enables competitive pricing for clients seeking long-term financial stability in home financing.
FHA Home Loans
Our FHA loan program assists first-time homebuyers and those with limited credit histories. These government-backed loans require lower down payments and offer flexible qualification criteria. We guide clients through the FHA loan process with personalized support and competitive rate options.
Commercial Loans
We provide commercial loan solutions for business property acquisitions and investments. Our services cover office spaces, retail locations, and multi-family units. With specialized lenders in our network, we offer tailored financing options for commercial real estate projects of various scales.
People
Gardner Cummings
President
Gardner Cummings leads The Funding Store with extensive mortgage industry experience. He specializes in connecting clients with customized loan solutions through our expansive lender network. His leadership emphasizes personalized service and innovative financing strategies.
Questions
What mortgage loan options do you offer?
We offer fixed-rate, adjustable-rate, FHA, VA, jumbo, and commercial loans. Our network includes over 100 lenders providing options for primary residences, investment properties, and specialty financing needs.
How does your pre-qualification process work?
Our online pre-qualification process evaluates your financial situation to determine loan eligibility. This helps establish your buying range and strengthens purchase offers with verified financing confirmation.
Can you help with refinancing existing mortgages?
Yes, we specialize in mortgage refinancing to help clients secure better rates, convert adjustable-rate loans to fixed terms, or access home equity through cash-out refinancing options.
What areas do you serve?
We operate as licensed mortgage brokers in New York, Vermont, and Florida. Our services cover residential and commercial properties across these states through our local offices in Saratoga Springs and New York City.
How long does the loan approval process take?
Approval timelines vary by loan type and documentation, but our team works to expedite processing. We utilize digital tools for fast document submission while maintaining personalized guidance throughout the underwriting process.