(516) 620-7053

Mortgages Made Simple

Hi, we’re Elite Funding Services → You’re either here for expert mortgage advice, or you took a wrong turn on the internet. Either way, we’re glad you’re here—let’s get that mortgage sorted.

Years experience

0 +

States served

0 +

Families helped

0 K+

Zillow Rating

Find the Right Mortgage for You

Explore different loan options, rates, and benefits to make your homeownership journey clear and seamless.

Why Elite Funding Services?

We’re not just lenders; we’re your partners. We speak to you clearly, offering the tools and knowledge you need to make confident decisions for your home loan.

Top-notch security

Your information is protected with the latest security measures. You can trust that we’ve got your back every step of the way.

Expert mortgage solutions

We have the experience to find the best solutions for your situation. No matter your goal, we’ve got the perfect mortgage option for you.

Precision in every step

Accuracy matters. From the first application to the final approval, we handle everything with care and precision.

About Elite Funding

We open doors to homeownership by guiding you through every step of the financing process. More than a company, we’re your trusted partner in making your dream home a reality. From consultation to closing, we offer clear, transparent financial guidance to make funding your home simple and seamless.

At Elite Funding Services LLC, our goal is to empower you with the knowledge and confidence to build your future. This space was created for you — to explore your financing options, learn about us, and discover your new trusted partner for expert mortgage and financial guidance.

New ways to save

Buy with confidence

Get pre-approved and lock your rate. We close fast — as quick as 15 days.

Upgrade your mortgage

If rates go lower, your payment can too. We'll help you refinance and save.

Portfolio lending experts

Bank statements, DSCR, fix & flip, bridge — creative solutions for every scenario.

Tailored Advice. Personal Service. Better Mortgages.

Lending Built on Partnership, Not Just Paperwork

At Elite Funding, we believe your mortgage should be as unique as your home. We bypass the "one-size-fits-all" approach to provide a high-touch, secure experience designed for your long-term success.

Your financial data is protected with industry-leading encryption.
Direct communication with senior mortgage experts throughout the process.
Meticulous attention to detail to ensure on-time, stress-free closings.
Custom loan products designed to fit your specific financial portfolio.

“Ray Cruz and his team provided a first class service from start to finish in completing the loan process for my family's new home. Ray is so patient and always provides time for his clients and will get back to you in a very prompt fashion."

— Matt Amos

Frequently Asked Questions

How do I qualify for a mortgage?

Qualification depends on the loan program, but generally you'll need a stable income, acceptable credit history, and a down payment. Our loan officers can help you find the best program for your situation — whether you're a W-2 employee, self-employed, or a real estate investor.

What documents do I need to apply for a home loan?

For most loan programs you'll need recent pay stubs (last 30 days), W-2s or tax returns from the past two years, bank statements showing your assets, a valid government-issued ID, and details on any existing debts. Self-employed borrowers may substitute 12–24 months of bank statements instead of tax returns through our bank statement loan program.

How long does it take to close on a house?

A typical mortgage closing takes 30 to 45 days from the time you go under contract. However, with a strong pre-approval and responsive documentation, MCF Mortgage has closed loans in as little as 21 days. Factors like appraisal timelines, title searches, and the complexity of your loan can affect the schedule.

Can I get a mortgage if I'm self-employed?

Absolutely. MCF Mortgage specializes in loans for self-employed borrowers. Our bank statement loan program lets you qualify using 12–24 months of personal or business bank statements instead of traditional tax returns. We also offer 1099 income loans, asset utilization programs, and DSCR loans for real estate investors — all designed for people whose tax returns don't reflect their true earning power.

What is a DSCR loan and how does it work?

A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage where you qualify based on the property's rental income — not your personal income. If the rent the property generates is enough to cover the mortgage payment, you may qualify. It's ideal for real estate investors who own multiple properties or don't show enough income on their tax returns. No W-2s or tax returns required.

What is a jumbo loan and do I need one?

A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency — currently $766,550 in most areas and higher in certain high-cost markets. If you're buying a home above that price and don't have a large enough down payment to bring the loan amount below the limit, you'll need a jumbo loan. MCF Mortgage offers competitive jumbo loan options with flexible qualification criteria.

Apply to become a partner today

Apply online in minutes or call us to speak with a loan specialist.

Elite Funding Services is a commercial mortgage brokerage specializing in DSCR loans for real estate investors, helping clients secure financing based on property cash flow through our network of lending partners.