Mike was fabulous, he worked through a situation for me that no other lender was able to accomplish. We had a second mortgage with a balloon that I lost sleep over. He was able to find us a great solution and get rid of the second mortgage. He followed through and walked us through the process. I wi...
Ryan is on top of his game! He made it very easy for me to obtain my new home by making sure I am informed on my required documents so I can obtain them in a timely fashion. He goes above and beyond to help me understand the requirements and he is very personable and easygoing. He helped me achieved...
John Mcdonald was great talked me and my wife thru every little detail with my loan and even after everything was done and i needed something he was there for us
- cdevito1 5 / 5
Collin Funesti of Perennial Funding is highly intelligent, a creative problem solver, offers imaginative solutions to complex problems and easy to work with. Our dubious title company, who will not be getting 5 stars, threw a spanner in the works so large I had fears we would lose the new house. Col...
So far, John McDonald has provided superb service.
- Rafael Perez Neris 5 / 5
Secured the best deal possible for a jumbo loan. Dedicated hard work and persistence. this is our second refinance with John. Would highly recommend his services.
- drauther1 5 / 5
Ryan is very helpful in finding best rate available for me and worked with the same title company to save some money for me and completed the process on time and it reduced my monthly payments also
- ranjith gu 5 / 5
Mr. McDonald was relentless in his approach to providing the necessary expertise in completing my quest to refinance my home. He left no stone unturned when it came to meeting the requirements I was seeking in a consistent manner of professionalism second to none.
- jae mae 5 / 5
Working with Patrick Dooley was a real pleasure and he made the refinancing process so smooth. We were going on vacation when we were to close so he arranged for a notary to come to us. Call Patrick for all your mortgage needs.
- pburns998 5 / 5
Ryan was very easy to work with and was on top of things. He met our needs and did things for the best interest of ourselves. He made the process smooth with no hiccups along the way. Would 100% refer others to work with Ryan.
- zuser20160213141322222 5 / 5
Do you have a mortgage application checklist?
Social Security Card.
Divorcee decree (if applicable).
Proof of Veteran status (for VA loan).
Federal income tax returns for the previous two years.
Pay stubs for the previous 30 days.
W-2 forms for the previous two years.
Proof of additional income (Social Security benefits, child support, alimony, etc.).
Previous two years’ and year-to-date profit and loss statements if self-employed.
Balance sheet for the most recent quarter if self-employed.
Statements for checking and savings accounts for the last three months.
Statements for retirement funds and other investments for the last three months.
Titles for automobiles and other property.
Most recent statements for credit cards, loans, and other credit.
Canceled checks for rent or mortgage for the last 12 months.
Court documentation for bankruptcy or judgment (if applicable).
Listing agreement or sales contract for current home (if applicable).
Proof of earnest deposit.
Proof of homeowners insurance (need before closing).
Contact information for homeowners association (if applicable).
Certain jumbo products might not be available to you if you’re a first-time buyer.
Some lending services might not be available in all areas. See what’s available to you.
Some restrictions may apply.
The lock period for your rate is 45 days.
Perennial Funding offers a variety of options. You may still qualify for a loan even if your situation doesn’t match our assumptions. Consult us to find what’s available in your area, and what best solutions are for you.
Perennial Funding LLC, 161 Washington St. Suite 950, Conshohocken, PA 19428
Loan programs are subject to credit approval. Other terms, conditions, restrictions and fees may apply. All of the information on this website is published in good faith and for general information purposes only. Perennial Funding does not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk and we will not be liable for any losses and damages in connection with the use of our website. The content in this website should not be construed as a mortgage loan commitment. From our website, you can visit other websites by following hyperlinks to these sites. While we strive to provide only links to useful and ethical websites, we have no control over the content and nature of these sites and the links to other websites do not imply a recommendation for all of the content found on these sites. Please be aware that when you leave our website, other sites may have different privacy policies and terms, which are beyond our control. Thank you for visiting Perennial Funding's website. *By refinancing your existing mortgage your total finance charges may be higher over the life of the loan.