Refinance with our flexible mortgage programs.

Do not feel discouraged that buyers today are qualifying for lower mortgage interest rates. With Hartford Funding, we can make that possible for you to. With a stable market and a resurgence of property value, there may not be a better time for homeowners to consider a refinance. Here’s how we can help:

Lower your interest rate

With today’s historically low interest rates, you may save hundreds each month, pay off the principal faster and build up equity faster.

Lower your monthly payments

By refinancing, you can lower your monthly payments.

Consolidate debt

Car payments, credit cards, utility bills – do away with late penalties by consolidating your debt!

Prevent bankruptcy and foreclosures

Thousands of Americans still file for personal bankruptcy each month. Thousands more lose their homes to foreclosure. Keep your home and repair your credit – don’t be a statistic!

Cash out – for anything!

Start a new savings program, refinish the basement, fix the car or buy a new one … after you refinance, ultimate fiscal flexibility is yours!

By refinancing the consumer’s existing loan, the consumer’s total finance charges may be higher over the life of the loan.
Generally, to be eligible to apply for an FHA loan, you must:

  • Have a valid Social Security number
  • Have lawful residency in the U.S.
  • Be of a legal age to sign on a mortgage in your state

Hartford Funding will also verify income, assets, liabilities, and credit history for all parties on the loan, and a non-occupant co-borrower is permitted.

To qualify for a fixed rate mortgage, applicants must meet specific employment, credit and income criteria, including the following conditions:

  • Steady employment history, at least two years history of employment
  • Or evidence supporting enrollment in school or the military during the most recent two full years

  • Consistent or increasing income over the past two years
  • Any Chapter 7 bankruptcy on record must be two years old with good credit for the two consecutive following years.
  • A Chapter 13 bankruptcy does not disqualify a Borrower from obtaining a
    FHA-insured Mortgage, if at the time of case number assignment at least
    12 months of the pay-out period under the bankruptcy has elapsed.
    The Mortgagee must determine that during this time, the Borrower’s
    payment performance has been satisfactory and all required payments
    have been made on time; and the Borrower has received written
    permission from bankruptcy court to enter into the mortgage transaction
  • A Borrower is generally not eligible for a new FHA-insured Mortgage
    if the Borrower had a foreclosure or a DIL of foreclosure in the
    three-year period prior to the date of case number assignment.
    This three-year period begins on the date of the DIL or the date that
    the Borrower transferred ownership of the Property to the foreclosing

Will I have to pay for Private Mortgage Insurance?

Private Mortgage Insurance (PMI) provides your lender with a way to recoup its investment if you are unable to repay your loan. PMI is usually required when the mortgage amount is higher than 80% of the home’s value. That means that if you buy a home with a down payment of less than 20%, you will probably have to pay for PMI.

Should I choose a fixed-rate or adjustable-rate loan?

Most mortgage loans have either a fixed interest rate or an adjustable interest rate. With a fixed-rate mortgage, the interest rate never changes and your payments remain stable throughout the life of your loan. With an adjustable-rate mortgage (ARM), the interest rate changes at regular intervals  usually once every year  based on a formula that uses a market index.

A fixed rate is usually best if you plan to stay in your home for the long term and are buying at a time when rates are relatively low. An ARM is usually best if you plan to move before the rate adjustments begin, or if you are buying when rates are relatively high.

Should I lock my rate?

Locking your interest rate means your lender guarantees the rate on your loan even if market rates change before closing. Your Loan Estimate may show a rate that has been “locked” or a rate that is “floating,” which means it can go up or down. Mortgage Interest rates change daily,sometimes hourly. A rate lock sets your interest rate for a period of time. Rate locks are typically available for 30, 45, or 60 days, and sometimes longer.

Hartford Funding is a national Mortgage Bank

Hartford provides low rates whether you’re buying a home, refinancing or looking for a home equity loan or home equity line of credit. We’re considered one of America’s fastest-growing and best-managed mortgage banks. Through 23 years of happy clients, our attitude is still “we’ve got a lot more to do”. We continually strive to improve the quality of our service, financial products, and your borrowing experience. When you need a customized loan, think Hartford Funding.

Mortgage Loan Originators Available 24/7

Hartford Funding Ltd. mortgage loan originators are available to you-live and on the phone- 24 hours a day, 7 days a week. So whenever it’s most convenient for you to apply, find out more information, and whenever you have questions about a loan in progress – your answers are just a mouse click or a quick phone call away.


100 Crossways Park Drive West, Suite 302,7
Woodbury, NY 11797


Mon-Fri 8am-9pm
Sat-Sun 9am-1pm

I was amazed at the quality of Hartford Funding. Thanks guys, keep up the good work!

Ricky I.

I have gotten at least 50 times the value from Hartford Funding. Hartford Funding impressed me on multiple levels.

Jacinda F.

I am completely blown away. If you aren’t sure, always go for Hartford Funding.

Allison C.

Home Purchase Programs & Refinance Programs