Dynamic Funding Solutions
Home Loans for Pennsylvania & Florida
Mortgage Calculator
Use our free mortgage calculator to estimate your monthly mortgage payment, including your principal and interest, taxes, insurance, and PMI.
Our Mission Is To Empower Homeownership Through Smart Lending
About Dynamic Funding
Dynamic Funding is a mortgage lending company that helps people turn buying power into homeownership with lending solutions that reflect real-world needs. Whether you’re self-employed, buying your first home, or refinancing for better terms, we bring decades of industry insight and personal care to every client.
We use flexible loan programs and creative underwriting to open doors to homeownership. From first-time buyers to retirees, no scenario is too complex for our team.
Why Choose Dynamic Funding Solutions
Because the right mortgage isn’t just about numbers — it’s about guidance, clarity, and a partner you can trust from application to closing.
Licenses & Certifications
“You’re not just getting a loan. You’re getting the right loan.”
Our Success Story
Our Track Record in Mortgage Lending
With decades of experience, diverse programs, and hundreds of borrowers helped, Dynamic Mortgage delivers results you can count on.
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Morgage Solutions that Work for Everyone
Our Loan Services
Dynamic Mortgage offers a full range of mortgage solutions to meet every type of financial background and life stage—from first-time buyers and retirees to self-employed professionals and real estate investors. Whether you’re looking for flexible income documentation, low down payment options, or custom financing, our programs are built to adapt.
Each loan type is backed by personal guidance, fast approvals, and secure, transparent processing. No matter where you are in your journey, Dynamic Mortgage helps you qualify confidently and move forward with peace of mind.
- Purchase Loans
- Refinance Loans
- Self-Employed & Alternative Income Loans
- Investor & Specialized Loans
- Government-Backed Loans
Home Purchase Loans
Whether you're buying your first home or your next, Dynamic Mortgage offers competitive purchase loans with low down payments.
Conventional Loans
For borrowers with strong credit and steady income, Dynamic Mortgage provides conventional mortgages with stable terms.
FHA Loans
With just 3.5% down and flexible credit requirements, FHA loans from Dynamic Mortgage are ideal for first-time buyers.
VA Loans
Veterans and military families trust Dynamic Mortgage for 0% down VA loans with no PMI and dedicated support.
ITIN Loans
You don’t need a Social Security number to buy a home — Dynamic Mortgage makes ITIN homeownership possible.
Foreign National Loans
International buyers can invest in U.S. real estate with financing options tailored by Dynamic Mortgage.
Reverse Mortgages
Homeowners aged 62+ can tap equity with no monthly payments through Dynamic Mortgage’s reverse mortgage solutions.
Cash-Out Refinance
Tap into your home’s equity to fund major expenses through a cash-out refinance from Dynamic Mortgage.
Rate & Term Refinance
Reduce your interest rate or monthly payment with a streamlined refinance through Dynamic Mortgage.
Interest-Only Loans
Dynamic Mortgage offers interest-only mortgages for those who prefer flexible monthly payment options.
Bank Statement Loans
Self-employed borrowers can qualify without tax returns by using bank deposits through Dynamic Mortgage’s bank statement programs.
Non-QM Loans
For complex scenarios, Dynamic Mortgage provides Non-QM solutions like asset-based, interest-only, and no-income loans.
Asset-Based Loans
Borrowers with significant liquid assets can secure financing through Dynamic Mortgage’s asset-based mortgage programs.
1099 & P&L Loans
Freelancers and independent contractors can count on Dynamic Mortgage for mortgages based on 1099s or profit & loss statements.
DSCR Loans
Real estate investors qualify using rental income only with DSCR loan options available through Dynamic Mortgage.
Construction Loans
Build your custom home with confidence using construction loan financing from Dynamic Mortgage.
ITIN Loans
You don’t need a Social Security number to buy a home — Dynamic Mortgage makes ITIN homeownership possible.
Bridge Loans
Need to buy before you sell? Dynamic Mortgage offers bridge loans to cover the gap between properties.
FHA Loans
VA Loans
ITIN Loans
Frequently Asked Questions
At Dynamic Mortgage, we make the process clear, the options flexible, and your goals the priority — no matter where you’re starting from.
Will applying for a mortgage affect my credit?
No — our initial pre-qualification process does not impact your credit score. It’s a soft check to help you explore your options risk-free.
How long does it take to get approved?
In many cases, we can provide same-day pre-approvals. Full loan approvals typically take 21–30 days, depending on the loan type and documentation.
Will changing jobs hurt my ability to get approved?
Not always. If your new job is in the same field and offers equal or better pay, you may still qualify. We assess the full context of your employment history.
What happens if the appraisal comes in lower than the purchase price?
We guide you through options like renegotiation, increasing your down payment, or adjusting the loan — and work closely with your agent to protect your deal.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is an initial estimate based on unverified information. Pre-approval involves a full review of your credit, income, and assets — and shows sellers you’re a serious, qualified buyer.
Can I lock in an interest rate before finding a home?
Yes — Dynamic Mortgage offers rate-lock programs that can protect you from market changes while you search, depending on the loan type and timeline.
How do mortgage points and lender credits affect my long-term costs?
Buying points can lower your rate, while lender credits can reduce your upfront costs. We help you calculate which option makes more financial sense based on your plans.
