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Home Is Where The Heart Is

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Finding the Right Home Loan

Finding the right Mortgage
B2 Funding wants to be able to help you find the right loan from the very beginning. You and your family deserves the best quality and service to ensure your investment in your home. Nothing can be more important than to protect your property and family. Our Loan Officers understand your priorities and want your purchasing loan to go smoothly and interrupt your life as little as possible. When we discuss your plans and goals for your property loan we take into account that everyone is different - and that is why we offer so many options.
No matter what type of mortgage you need, B2 Funding is here to help. From determining what loan is best to guiding you through the entire home loan process, you can count on us for home loans made easy. You have many mortgage options:
Fixed Rate Mortgage

Fixed Rate Mortgage:

A mortgage that has a fixed interest rate for the entire term of the loan. The distinguishing factor of a fixed-rate mortgage is that the interest rate over every time period of the mortgage is known at the time the mortgage is originated. The benefit of a fixed-rate mortgage is that the homeowner will not have to contend with varying loan payment amounts that fluctuate with interest rate movements.

Adjustable Rate Mortgage

Adjustable Rate Mortgage:

A type of mortgage in which the interest rate paid on the outstanding balance varies according to a specific benchmark. The initial interest rate is normally fixed for a period of time after which it is reset periodically, often every month. The interest rate paid by the borrower will be based on a benchmark plus an additional spread, called an ARM margin.

Conventional Loan

Conventional Loan:

Loans not guaranteed or insured by these agencies are known as conventional loans.  These loans adhere to Fannie Mae guidelines.  Fannie Mae, or Federal National Mortgage Association, is a corporation created by the federal government that buys and sells conventional mortgages. It sets the maximum loan amount and requirements for borrowers.

FHA Loans

FHA Loans:

The Federal Housing Administration (FHA) runs several programs to promote home ownership. These programs are popular because they allow borrowers to buy a home with a smaller down payment than is required by most other lenders. FHA loans make it easier for people to qualify for a mortgage, but they’re not for everybody.

VA Loans

VA Loans:

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The VA loan was designed to offer long-term financing to eligible American veterans. The VA home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans purchase properties with no down payment.

USDA Loans

USDA Loans:

A USDA home loan is different from a traditional mortgage offered in the United States in several ways. USDA loans require no down payment, you may finance up to 100% of the property value. You must meet the income restrictions for the County you are interested in. Each county has a maximum Income Requirement. The USDA Home Loan Program does allow for considerations for expenses like Child Care. You must be purchasing a property in a rural area as defined by the USDA. The home or property that you are looking to purchase must be owner-occupied, investment properties are not eligible for USDA loans.

Jumbo Loans

Jumbo Loans:

A mortgage with a loan amount exceeding the conforming loan limits set by the Office of Federal Housing Enterprise Oversight (OFHEO), and therefore, not eligible to be purchased, guaranteed or securitized by Fannie Mae or Freddie Mac.
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Proudly Serving Texas and Illinois




​Texas Location:

7100 Regency Square Blvd 
Suite # 230-04,
Houston, Texas 77036

Office: 713-300-1008
Fax: 713-893-6080

NMLS # 335991



​Illinois Location:

1727 Ellendale Drive
Northbrook, IL 60062
Office: 847-400-0600
Fax: 847-574-8301

NMLS # 324286

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Equal Housing Lender. Figures deemed reliable, but errors may occur. Rates and terms subject to change without notice. This is not an offer to make a loan or to make a loan on any particular terms. All loan applicants must qualify under the underwriting requirements and satisfy all contingencies of loan approval. NMLS # 324286 Regulated by the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705 - www.sml.texas.gov - In Illinois Regulated by the Department of Financial and Professional Regulation - Division of Banking License # MB.6760918 http://www.idfpr.com/Bankingdefault.asp
In accordance with Section 326 of the USA PATRIOT Act of 2001, B2 Funding is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. All trademarks, logos, trade names mentioned, used, or displayed on this site are owned by B2 Funding or otherwise are authorized for our use. You may not display or reproduce them without the prior written consent of B2 Funding. You may not remove, obscure, or otherwise modify any copyright, trademark, confidentiality or other proprietary rights notices displayed on, embedded in, or otherwise appearing in any Content offered by, viewed on, or received through this site.

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  • Home
  • Products
    • Homebuying Loans >
      • Fixed-Rate Loans
      • Adjustable-Rate Loans
      • Convential Loans
      • FHA Loans
      • VA Loans
      • USDA Loans
      • Jumbo Loans
    • Refinance Loans >
      • Fixed-Rate Refinance
      • Adjustable-Rate Refinance
      • Convential Loans
      • Cash Out Refinance
      • FHA Refinance Loans
      • FHA Streamlining Loans
      • VA Refinance Loans
      • VA IRRRL Loans
      • USDA Loans
      • HARP Loans
  • Resources
    • FAQ
    • Prepare
    • Helpful Links
    • Definitions
    • Mortgage News
    • Credit Scoring
    • Mortgage Calculator
  • Contact Us
    • Directory
  • Testimonials
  • Apply Now