At Carbarr Funding, we are dedicated to providing our clients with the best mortgage loan options to meet their unique needs. With years of experience in the mortgage industry, our team of experts is committed to providing exceptional service and professional insight to help our clients achieve their financial goals.

Our Story

Carbarr Funding is a California-based brokerage approved in accordance with the Frank-Dodd Act, under the auspices of the California Department of Real Estate and the Nationwide Licensing Registry System. Our mission is to deliver FHA, VA, Conventional, Jumbo loans, Alt Doc, and Reverse Mortgages with superior service and unparalleled expertise.

What We Do

At Carbarr Funding, we specialize in mortgage lending, catering to diverse financing options for today's complex real estate market. We understand that every client has unique needs and financial goals, which is why we offer a wide range of loan options to suit every individual's requirements. From refinancing to purchasing a new home, our experienced loan officers work closely with our clients to identify the best loan products that meet their specific needs and budget.

Loan Options

Our loan options include:

Refinance: Restructure your current home loan, remove mortgage insurance, switch from government loans to conventional, and enjoy better terms and more manageable payments.
Payoff HERO & PACE Loans: Refinance and payoff expensive home improvements, solar panels, and other property tax-paid assets.
Probate Refinance: Keep your family home and avoid selling, all while saving thousands of dollars in real estate commissions and real estate agent fees.
Purchase: First-time homebuyer, growing family, or upgrading to a better or bigger residence.
Rate Reduction: Swap adjustable rate mortgage to fixed rate or take advantage of current historical low rates.
Home Improvements: Additions to the house, renovations, increase curb appeal, and improve market value.
Debt Consolidation: Combine all debts into one single payment, eliminate non-deductible consumer interest charges, and increase tax write-offs.
Mortgage Consolidation: Put all mortgages into one manageable payment and save money.
Cash for Any Reason: Take a vacation, put money in the bank, or start a business.
Reverse Mortgage: Planning retirement, age 62+, and no more housing payments.

Loan Programs

Our loan programs cater to clients with unique credit and income verification scenarios, including:

Credit Excellent: No delinquency on credit past or present.
Recent Bankruptcy: Chapter 7 or Chapter 13.
Foreclosure: Lost house and seeking a fresh start with a new residence.
Slow Pay: Some derogatory accounts but overall good credit.
Short Sale: Sold house for less than owed due to economic conditions.
Income Verified: Full disclosure with tax returns and pay stubs.
W-2 Only: No deductions to income due to IRS form 2106 expenses.
Self-Employed: Verify using bank statements.
Investor Rental Properties: Rental agreements only.

Why Choose Us

At Carbarr Funding, we pride ourselves on providing exceptional service and expert advice. Our experienced loan officers work closely with our clients to understand their unique financial goals and provide personalized lending solutions. With our commitment to transparency, integrity, and knowledge, we ensure that our clients receive the best possible loan options to achieve their financial objectives.