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Purchasing A Home?

Our client’s satisfaction is our top priority at Perennial Funding. Whether you are purchasing your first home, second home or even a vacation property we have a number of mortgage loan options available to best fit your personal and financial needs. Feel free to utilize our Free Self-Help tool to determine which loan is best for you.
View our Purchasing options >>

Need To Refinance?

Perennial Funding offers an array of refinancing options and our specialists will help you to meet your goals by customizing a program to best suit your needs. Whether you are looking to lower your monthly rate, shorten your term or receive cash out our team at Perennial is here to help. By using this self-help tool, determining which solution is right for you has never been so easy!
View our Refinancing options >>

Consolidating Debt?

At Perennial Funding our mortgage specialists are also here to help our clients eliminate personal debt and consolidate bills into one monthly payment. From high-interest credit cards, to just needing cash now we are here to help. Feel free to use this self-help tool to figure out which debt consolidation solution is best for you!
View our Debt options >>


Your satisfaction is the true measure of our success. We will patiently listen to you, understand your goals, and then work passionately to find the most optimal financial solution for your real estate needs.

Our success is a direct result of the hard work and commitment from each and every one of our team members. I am lucky to have surrounded myself with such a wonderful group of innovative, hard working, and devoted professionals. By choosing Perennial Funding, you have become a part of a close knit family. Your needs are our needs, and we’ll be sure to honor that commitment every step of the way.

On behalf of everyone here at Perennial Funding, we genuinely appreciate the opportunity to serve you, and will continue to strive to exceed all of your expectations.

Sit back and enjoy the Perennial Funding Experience!

Corey Gee
President & CEO

I was in the market to refinance my home and was seeking a lower interest rate and cash out to pay off some of my creditors. Initially I responded to an online advertisement to achieve this and was immediately overwhelmed with calls from different lenders in response to my online inquiry. I provided information to a few of the lenders that was needed to determine what could be done only to be informed of certain obstacles that stood in the way of my goals. None of the lenders I spoke with were very encouraging, and did not put forth any effort or sincere interests in assisting me with my refinance goals. I was ready to just leave things as they were and not pursue home refinancing since I did not like providing my personal information to strangers who were overly aggressive in getting in and then letting go afterwards with no follow up. Soon afterwards, I received a call from your Senior Loan Consultant, Daniel McDade from Perennial Funding and what a difference! Finally, I got someone on the line who responded to my refinance inquiry who listened and provided clear answers. Danny has a very valuable personal touch that makes a huge difference. He makes you feel like you are not only dealing with a very knowledgeable Loan Consultant, but also a friend. I felt he was very sincere and I was encouraged to proceed. Danny carefully explained all pertinent information every step of the way in a clear and concise manner. The bottom line is I am now a very happy and satisfied customer of Perennial Funding thanks to Danny McDade. I have achieved everything I wanted to and more because of his expertise, caring and concern. Too bad other lenders don’t know how much good business they are missing out on by not having someone like Danny dealing with their potential customers. Danny McDade is outstanding! I would not hesitate to recommend his financial services to anyone.

Victor & Sandra H. | Prince Georges, MD

We would like to sincerely thank Perennial Funding for all the help we received with our mortgage financial needs. Our loan experience working with Perennial Funding, from our first contact till the date of settle, went without any problems. In addition, our interest rate was lowered and our mortgage payments were substantially lowered. We now have a budget we can live with. Once again, Perennial Funding has our complete appreciation for handling our home loan without stress and in a timely manner! Thanks again!

Ron & Joan G. | Dover, PA

I would like to thank Ryan Christiansen and Perennial Funding for the very kind and professional way you helped me with the Reverse Mortgage. Had it not been for you and your foresight this may not have turned out as well as it did. Believe me I will spread the word that you and Perennial Funding are the best. Thank you again.

Jean W. | Saint Michaels, MD

I would like to applaud Melissa and Perennial Funding for getting my mortgage loan all the way through the process, only further demonstrating the behind the scenes value that you and Perennial Funding deliver to their customers. I look forward to recommending Melissa and Perennial Funding to my network as promised. Thanks again!

Rick G. | Chester Springs, PA

I have nothing but high praise for Melissa Ferko who guided me through my entire refinancing process with Perennial Funding. Melissa always got done what she said she would and always conducted business with a cheerful attitude. Melissa made sure that I was kept up to date throughout the whole process. When it came time to close, she was right there to make sure that everything ran smoothly. I would highly recommend Melissa to anyone who needs a new or refinanced mortgage. Melissa is truly a professional.

Erik N. | Upper Gwenned, PA

Our experience with Perennial Funding was nothing less than exceptional. In this day and age, a financial expert is definitely required to help lay individuals as my wife and I navigate through the mandated requirements and paperwork to secure our refinance loan. Perennial Funding, in particular Melissa Ferko, made this entire process easy for us. Melissa’s ability to explain in simple terms why a particular document is needed made sense and was easy to understand. In addition, Melissa made use of all available technology to process our loan and we never went more than a day without an answer and our loan moved forward without any delays. Wish our Federal, State and Local governments would adopt Perennial Funding’s best practices and business model to make our lives easier. We were shocked our loan closed the exact same day our last document was submitted. If you need a loan of any kind, contact Melissa Ferko at Perennial Funding, a true professional. Thanks Perennial Funding and Melissa!

Tricia and Ron P. | Damascus, MD

Thank you Melissa for all your help with this process. You made the process smooth and quick. I would definitely recommend Melissa and Perennial Funding to family and friends. Thank you again for all your help! Wishing you a Merry Christmas and a blessed New Year.

Loretta and Carmen D. | Hatboro, PA

“With so many options for refinancing and with so many lenders, finding a trustworthy representative with the customer’s best interest can be difficult. Danny McDade was exactly what I was looking for. Danny’s knowledge, professionalism and dedication are unsurpassed. Danny is passionate about his profession and I’m fortunate to have had him as my loan officer. Danny has boundless energy to do whatever is right for his clients. In addition, because of his honest input and follow-up, while having my best interest in mind, I wouldn’t consider using any other consultant in the future. I have total faith and confidence in Danny as my personal mortgage advisor. A personal thank you to Danny McDade for making my home refinance process move so quickly and smoothly. Your creativity and willingness to explore possibilities to expedite and provide the best possible loan made the venture not only efficient, but also provided me with opportunities I would have not known existed. Your services exceeded my greatest expectations!"

Jennifer H. | Chesterbrook, PA

Daniel and I would like to thank Jon Bahr and the Perennial Funding team for a fantastic job. We have had bad experiences with refinancing in the past. I explained to Jon Bahr my goals and expectations up front. We also discussed where I wanted my payment to fall. Jon came very close to all of my goals and expectations. Jon made my loan process seem like a breeze. If I had any questions no matter how silly, Jon Bahr was always able to answer them. Jon was able to make this process easy from the beginning to the end. Everyone I spoke to at Perennial Funding was professional and knowledgeable. All questions asked were always answered immediately. I would recommend Perennial Funding to all my friends and family, refinancing or buying a new home. Also, I don’t believe my refinance took longer than 5-6 weeks. Fantastic service from start to the end. Thanks again Jon for a job well done.

Daniel and Robynn T. | Reading, PA

We would like to thank Perennial Funding for all your help. We came to you hoping to get a refinance for our home. Due to our loan not being under Freddie Mac or Fannie Mae, we didn’t qualify for HARP. What Margo Dukes did for us was extremely helpful to us. Margo cared enough to help us get into a program that will work with us to eliminate credit card debt and other loans. Due to Margo caring for us, we should be debt free in three years. Dealing with Margo made us see that she was more than a Loan Officer.

William and Yvette B.

"I would like to express a very positive experience I had with a recent refinance that Perennial Funding assisted me with. My loan officer was Ryan Christiansen and he was able to make this transaction simple. From my first contact with Ryan, he was able to guide me in the most professional manner with an efficient approach. Ryan kept me up to date and always communicated compassionately. Although my husband and I delayed going through such a lengthy refinance process, our expectations were exceeded when we actually closed in less than 3 weeks! This type of service shows commitment and dedication and Ryan did an outstanding job fulfilling our financial needs. A big Thank You to Ryan and Perennial Funding for making this a pleasant experience."

The Spilkers | Pasadena, MD

"I had a wonderful experience working with Perennial Funding. Ryan Christiansen was very professional and continued to keep me updated throughout the process. He Worked with my financial goals for our mortgage and future, even when the market started changing. I would recommend Perennial Funding to others that need to take advantage of the lower interest rates before they go up."

Lisa and Cory W. I Pottstown, PA

"I had the great opportunity to be contacted by Ian Kahil after one day just playing around on the internet in reference to refinancing for home owners who desired a lowered interest rate on their mortgage. I had refinanced in the past and really I was not going to go through with doing something like that anymore. However, once Ian talked to me and encouraged me that it was a good time to refinance I decided to move forward. He was great to work with. I didn't feel pressured. He also helped to remove some negative information on my credit report that was not correct. Ian was a great loan consultant, doing business with him was a pleasure."

Jane P.

"I am so ecstatic over the Services provided to me by John McClay. He was the first person to call me from my internet inquiry which shoots out multiple lenders. I told him exactly what I wanted and at 1st there was no such product available. I told him I would wait and get back in touch with him later on. Several weeks went by and John called me and left several messages. I finally got back in touch with him. He had exactly the program I wanted. In less than 2 weeks we were ready to sign. It was easy and he took care of every detail. I am finally able to see my mortgage get paid down the way it should be. I referred my parents to him for their refinance and they too couldn’t be any happier with the results. I keep his info on hand and anytime I hear someone talk about a mortgage or refinance I give them John’s contact information. Perennial Funding will be my first choice in mortgage needs."

Staci S. | Greencastle, PA

"I feel more in control of my finances now, business is hopping, and life is good! Just wanted to thank Perennial funding and especially John McClay for the great job on my refinancing project. It was a pleasure to work with Perennial Funding and John. I know my situation was not an easy one to fix, so it was nice to find someone who was willing to go the extra mile to get the job done. So many other companies I tried first just didn't want to be bother. I remember several nights we talked late, long after you were suppose to be finished for the day. Being in business myself, that says a lot to me!"

Paul W. I Oley, PA

"Perennial Funding and Senior Loan Officer, Ryan Christiansen, made my process go so quickly compared to other banks. Both Perennial and Ryan got my refinancing done -- making it seem effortless. Thanks!

Christian V. I Levittown, PA

"Perennial Funding did a great job on providing honest answers to all of my questions and concerns, the entire process of refinancing two properties from beginning to closing was done professionally in a timely manner. A special thanks goes to Loan Officer John McClay for his patience and his sense of humor which made the whole Perennial Funding experience a positive and comfortable transaction."

James M. | Fulton County, PA

Tim Loss, I'd leave my wife for you. You are awesome! I have already started to refer people to you and I will continute to refer as many people as I can. Your outstanding service has surpassed all of my expectations I am truly going to miss my daily updates. I went for a refinance and feel I gained a friend. I wish you all the success in the world because you deserve it! I hope we can do business again in the near future. Thank you for everything.

Tom C. I Glenolden, PA

Dear Perennial Funding, Recently I had the pleasure of buying a home with my fiancé thanks to Jordan Donolow. I wanted to send you a note in thanks for supporting our purchase with such a high integrity high caliber broker. His recent efforts to help close the deal on our present home in a strict time frame resulted in great success. I want to reiterate the precise, pleasant, and sharp style Jordan brought to our home buting experience. As you probably already know he is an outstanding broker and someone I would highly recommend to others. When I needed something done correctly, Jordan anticipated the need and had it done fast and accurate. Without the support of Jordan, frankly I could not imagine buying a home with such ease. We love our new home and are forever grateful. Again, thank you for all that Jordan has done!

Brett W. I Havertown, PA

"I recently had the pleasure of working with Dan McDade on the refinancing of our home. From the first phone call placed to the settlement date; Dan gave 110% to insuring we received the best deal along with the best in customer service. Dan is a highly qualified and professional loan consultant who I would not hestitate to recommend to friends and family. Perennial Funding is fortunate to have him on their team."

Caroline C. I Eldersburg, MD

Perennial Funding provides competitive rates and loan processing in a timely manner with excellent and frequent communication along with a strong sense of caring for the individual needs of each borrower!

Chris R.

"I have nothing but high praise for Perennial Funding as their team guided me through my entire refinancing process. Our Agent was up front and honest from the start and always had such a positive and cheerful attitude. I was kept up to date throughout the whole process and when it came time to close our Agent was right there to ensure everything went smoothly. I would highly recommend Perennial Funding to anyone who needs a new home loan or is looking to save money through a refinance. They are true professionals!"

Erik N. | Lansdale PA

"I want to take this opportunity to thank Perennial Funding for a job well done. I have tried to refinance with several different lenders and after being declined over and over again, I wanted to throw in the towel. Thanks to Perennial Funding and their teams expert knowledge, they were able to find a way to help me get my home loan done. I am very pleased with how the process worked and would recommend Perennial Funding to others."

Blaine B. | Lewisburg, PA

"I recently had the pleasure of working with the Perennial Funding team as I purchased my first home with my fiancé. After finding a foreclosure that we fell in love with, our Loan Officer was extremely knowledgeable on the types of loans for which the home would qualify. We were a bit skeptical at first, as there had been several other bidders on the house; however, none were successful at navigating through the bank paperwork and mortgage requirements. Perennial Funding partnered with a bank that specialized in 203k loans, and we closed in 30 days - the process could not have gone more smoothly. Throughout the entire process, the entire Perennial Funding team was ready and willing to help with any issues or questions that we had. We received special treatment, as if we were their only client. The “hands-on” approach made us feel confident that that we were working with the best in the industry. We certainly will choose Perennial Funding in the future when we look to purchase another home or if we are looking to refinance."

Stephanie B. | Blue Bell, PA

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