Are you looking to finance the perfect new home or save money on a refinance in California? We are your trusted resource for the entire mortgage process. At Harbor View Funding, we work with homebuyers and homeowners that have a wide variety of budgets and goals. An FHA loan is very popular, especially for first time home buyers, with a down payment as low as 3.5%.
FHA loans are generally easier to qualify for than conventional mortgages and borrowers with credit problems can be approved with a low-interest rate. A conventional loan is not backed by the government and is a good choice for borrowers with excellent credit and a sizable down payment. VA loans are available to qualified veterans, activity duty personnel, and some surviving spouses.
FHA loans are generally easier to qualify for than conventional mortgages and borrowers with credit problems can be approved with a low-interest rate. A conventional loan is not backed by the government and is a good choice for borrowers with excellent credit and a sizable down payment. VA loans are available to qualified veterans, activity duty personnel, and some surviving spouses.
Services
At Harbor View Funding, we get to know our clients personally and develop a mortgage strategy based on your specific financial goals and objectives. We are not a bank or direct lender, so we are always working with your best interests in mind. If you are looking for a broker look no further; we can help you with all of your residential home loan needs.
An adjustable-rate mortgage, or ARM, features an introductory interest rate that lasts for a specific amount of time and then adjusts at pre-set intervals for the remaining term of the loan. When the interest rate adjusts, your monthly payment will change. The monthly payment amount is typically capped.
A balloon loan is a mortgage that requires a large one-time payment at the end of the loan. In exchange, your payments will likely be lower for many years, until the balloon payment is due. Aside from this repayment obligation, a balloon payment is the same as a standard fixed-rate mortgage. In general, the balloon payment is over two times the loan's average monthly payment, but it is often tens of thousands of dollars.
While it is easier to sell an old home before purchasing a new one, so the sale of the old house provides the money for the new one, this does not always work out. Sometimes homeowners find the new house they want before their old home is sold. A bridge loan, also called a swing loan or gap financing, is a short-term, temporary loan used to secure the purchase of a home until longer-term financing is secured.
If you want to build your own home, rather than buying an existing home, you may want to consider a construction loan. Construction loans are used by builders and potential homeowners, and they differ from a standard mortgage loan. This specialty type of loan is short-term, unlike most mortgages, and most are designed to be repaid when the construction period of the home is complete.
Reviews (9)
Monika Grundnig
Nov 20, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Harbor View Funding/ Michael Mannino is a hidden gem - best rates and values, intelligent all-encompassing expertise in the market, genuine caring and personalized ultra luxury attention to detail, all wrapped up in a priceless experience that’s a cut above. Once you find this gem you will never look anywhere else.
Harbor View Funding/ Michael Mannino is a hidden gem - best rates and values, intelligent all-encompassing expertise in the market, genuine caring and personalized ultra luxury attention to detail, all wrapped up in a priceless experience that’s a cut above. Once you find this gem you will never look anywhere else.
Nick D'Ambrosi
Jun 03, 2021
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Positive: Professionalism, Quality, Responsiveness
Buying our first home with Michael Mannino was a great experience! He is very responsive and professional. We had a lot of questions along the way and he was able to answer them with great insight. Overall, the process was seamless. We were funded ahead of schedule and closed early! I can't recommend Harbor View Funding enough!
Buying our first home with Michael Mannino was a great experience! He is very responsive and professional. We had a lot of questions along the way and he was able to answer them with great insight. Overall, the process was seamless. We were funded ahead of schedule and closed early! I can't recommend Harbor View Funding enough!
Karla Castro
Mar 24, 2021
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Harbor View Funding is a total gem! I’ve worked with Micheal Mannino twice now for my refinancing needs and he’s amazing. His rates are the best and his customer service is impeccable. Trust me. Whatever points I was unsure of, he helped me get through it and gave great advice along the way. l’m so grateful a friend recommended him to me and will definitely be recommending him to all my friends and family as well.
Peggy Lincoln
Jul 28, 2020
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As a Realtor I worked with Michael on a Real Estate transaction of one of my listings. His professionalism and communication were unprecedented. In my business I have many lenders to choose from but when it came to refinancing my OWN home I did not hesitate to call Michael at Harbor View Funding. He is knowledgeable and listens to what your financial needs and plans are.
Sammy Wool
Dec 07, 2019
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Harbor View Funding made my home buying process very easy and smooth. Got a great rate and couldn’t be happier with how the experience went! I would highly recommend HVF to anyone looking for any type of loan; there is actually a lot of great options for loans now that I didn’t even know. I gained a lot of knowledge working with Mike and I feel anyone even thinking of getting a house/loan/refi should give him a call. He takes his time in explaining everything so you know exactly what’s going on, which totally helped me.
Russell Cooney
Oct 18, 2019
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We've been working with Michael at Harbor View Funding for the last 2 years through our initial home buying, then refinance when rates dropped. He is a true professional and an absolute pleasure to work with. There is no question or detail too small when reaching out to him. He'll spend the time explaining it until you fully understand it
Even if you have no idea how these complicated transactions work, Michael makes it easy and painless every step of the way. He always has your best interests in mind and his advice is always well thought out.
The home buying and refinancing processes are complex
Even if you have no idea how these complicated transactions work, Michael makes it easy and painless every step of the way. He always has your best interests in mind and his advice is always well thought out.
The home buying and refinancing processes are complex
Desert Real Estate
Oct 13, 2019
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Chris Garcia
Oct 03, 2019
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Harbor View Funding was referred to me by a friend who had used them recently to refinance his home. I used Quicken Loans for my last loan and it went fine, but I was constantly bouncing from person to person in multiple departments over there and I felt like just a number.
After working with Michael and the care and attention he gave me, I honestly wouldn't choose any other company. Sure there are tons of mortgage companies, but not with this sense of attention and customer service. Michael and his team always respond quickly to my emailed questions and concerns, often within minutes, even on
After working with Michael and the care and attention he gave me, I honestly wouldn't choose any other company. Sure there are tons of mortgage companies, but not with this sense of attention and customer service. Michael and his team always respond quickly to my emailed questions and concerns, often within minutes, even on
F. Thompson
May 03, 2019
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