Home Loan Programs

Programs We Offer

UW Funding offers a number of different home loan programs to suit all your mortgage needs. We’ll help you choose the right fit and expertly guide you through the process, making it easy from beginning to end.


Conventional home loans are standard mortgages that conform to Fannie Mae and Freddie Mac guidelines – they’re the most common.

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Jumbo loans are big home loans – common in San Diego – where the size of the mortgage is larger than conventional.

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FHA mortgage loans are for first-time buyers with small deposits or low credit scores. They have more flexible qualifying guidelines.

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VA mortgage loans are for eligible veterans and don’t require a down payment or private insurance.

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Reverse mortgage loans pay out money against real estate. They’re for people over 62 who have equity and need liquidity.

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Rehab mortgage loans are home loans that include funds to renovate or repair the property in question.

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Non QM

Non QM loans are for borrowers with unique qualifying circumstances, like the self-employed or those with other assets.

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Not sure where to start? Click here to determine which loan program is right for you.

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What Our Clients Say

Andreal & Tina C.

Craig was instrumental in me and my wife buying our first home together. He was able to get us a great rate, even with my low [credit] score, and we were able to move into our new home. We are very pleased with the service and professionalism Craig provided us and will continue to work with him for all of our housing finances in the future.

Heather & Teague G.

We highly recommend UW Funding. We are on our second home purchase with Craig. You lose sleep buying your first home and it’s comforting to know you have the right lender looking out for your best interests. Two years later, we are on our second home and, just like the first, best rate, no fees and thousands of dollars saved!

Michael H.

We are so glad we trusted Craig with our refinance. We were able to take cash out with absolutely no fees! In hindsight, we wished we would have used him for our purchase. Sure enough, we had a straightforward closing with no surprises and we are truly grateful for our friends referring Craig to us.

What's your home worth?

Your home is the largest asset you’ll ever own. Find out its value, get valuable insights, and plan for the future.

Begin Your Home Loan Journey Today

Ready to get started? Get a quick quote or contact Craig to ask questions and discuss your options.

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