Buffalo Mortgage Broker

Is Cross State Funding a lender?

No. Cross State Funding Corp. is a family-owned mortgage broker — a Registered Mortgage Broker in New York (NMLS #98185). We arrange financing through hundreds of third-party lenders, which gives you access to multiple loan programs and real pricing scenarios from one local team.

How is a prequalification different from a preapproval?

A prequalification is a fast review of self-reported information that helps you understand your likely loan range, and it does not trigger a hard credit pull. A formal preapproval involves a full application, a hard credit inquiry, and documentation review and is handled in our lender portal after the initial conversation.

Is the online prequalification form secure?

The dedicated prequalification flow submits information over secure HTTPS, protects sensitive fields in our systems, and does not trigger a hard credit pull at this step. No website form triggers a credit pull or collects credit authorization or financial documents.

Are the rates on this site real quotes?

No. Any rates shown are sample figures for illustrative purposes only. Actual rates depend on credit profile, property, program, and lender availability and require a personalized review.

What areas do you serve?

We're a Buffalo mortgage broker based in North Tonawanda, NY, and we proudly serve clients across all of New York State, including Buffalo, Western New York, Rochester, Syracuse, Albany, and the five boroughs of New York City. We're also licensed to serve clients throughout Florida. Reach out to confirm program availability for your specific scenario.