Find the Right Mortgage for Your Needs
Explore flexible loan options backed by expert guidance, whether you're buying, refinancing, or investing.
Mortgage Loan Services in Pennsylvania and Florida
Dynamic Funding Solutions
Home Loans for Pennsylvania, New Jersey & Florida
Mortgage Loan Services Built Around You
Discover programs built for first-time buyers, self-employed professionals, investors, and more.
Dynamic Funding Solutions, Inc. is a licensed mortgage broker in Pennsylvania and Florida, lending since 1998 (NMLS #17144, verify on NMLS Consumer Access). Our mortgage loan services cover home purchase, refinance, government-backed, self-employed and investor loans.
At Dynamic Funding Solutions, we believe every financial journey deserves a tailored solution. That’s why we offer a full range of mortgage loan programs designed to meet the needs of first-time buyers, seasoned investors, self-employed professionals, and more. Whether you’re looking for low down payment options, alternative documentation, or investment property financing, we make it easier to move forward with confidence.
Not sure which loan fits? Compare payments with our free mortgage calculators, check the documents you will need, or call Lena Polnet (NMLS #17225) at (215) 364-7171.
Purchase Loans
For buyers at any stage, from first homes to forever homes
Buying a home is a big step, and the right mortgage makes it easier. At Dynamic Funding Solutions, we offer a range of purchase loan options tailored to your budget, credit profile, and timeline.
Whether you’re buying your first home, upgrading, or relocating, our team helps you move forward with clarity and confidence.
Buying in Pennsylvania? Read our guide to PHFA programs for Pennsylvania first-time buyers, including Keystone loans and down payment help.
Home Purchase Loans
Whether you're buying your first home or your next, Dynamic Funding Solutions offers competitive purchase loans with low down payments.
Conventional Loans
FHA Loans
VA Loans
ITIN Loans
Foreign National Loans
Mortgage Calculator
Use our free mortgage calculator to estimate your monthly mortgage payment, including your principal and interest, taxes, insurance, and PMI.
Refinance Loans
Reduce your rate, tap into equity, or restructure your loan.
If you’re looking to save money, access cash, or restructure your mortgage, Dynamic Funding Solutions offers refinance solutions to fit your goals. We help homeowners lower monthly payments, shorten loan terms, or turn equity into usable funds, all with a fast, transparent process. Whether you’re staying long-term or preparing to sell, refinancing can help you get more from your current property.
Reverse Mortgages
Cash-Out Refinance
Rate & Term Refinance
Interest-Only Loans
“The mortgage you’ve been told you don’t qualify for? We help people get it every day.”
Self-Employed & Alternative Income Loans
Flexible financing for non-W2 borrowers
Being your own boss shouldn’t make it harder to buy or refinance a home. That’s why Dynamic Funding Solutions offers self-employed borrowers flexible options that use bank statements, 1099s, or P&L documentation instead of tax returns.
Whether you’re a freelancer, entrepreneur, or small business owner, our alternative income programs are designed to reflect your real financial picture, not just your paperwork.
Bank Statement Loans
Self-employed borrowers can qualify without tax returns by using bank deposits through Dynamic Funding Solutions’ bank statement programs.
Non-QM Loans
Asset-Based Loans
1099 & P&L Loans
Investor & Specialized Loans
Specialized support and lower barriers to entry by Dynamic Funding Solutions
Real estate investors and non-traditional borrowers often require loan structures beyond the standard box. At Dynamic Fundinding Solutions, we provide specialized options like DSCR, construction, and bridge loans, designed to fund flips, rentals, or new builds with fewer income restrictions.
These programs prioritize asset performance, future value, or rental income, giving you the flexibility you need to scale your portfolio or transition between properties with confidence.
DSCR Loans
Construction Loans
ITIN Loans
Bridge Loans
Government-Backed Loans
Specialized support and lower barriers to entry by Dynamic Funding Solutions
At Dynamic Funding Solutions, we offer government-backed programs that help more people become homeowners, even with limited savings or less-than-perfect credit. These loans often feature low down payments, flexible qualification criteria, and competitive interest rates. Whether you’re a first-time buyer, a veteran, or someone looking for a second chance, these programs are designed to make homeownership more accessible.
FHA Loans
VA Loans
ITIN Loans
Frequently Asked Questions
At Dynamic Funding Solutions, we make the process clear, the options flexible, and your goals the priority, no matter where you’re starting from.
Can I qualify for a mortgage if I haven’t filed my taxes yet?
Yes, especially if you’re self-employed. With programs like bank statement and P&L-based loans, Dynamic Funding Solutions can assess your income using alternative documentation.
Can I buy an investment property without using my personal income to qualify?
Yes. Our DSCR (Debt-Service Coverage Ratio) loans allow investors to qualify based on the rental income from the property, not their own income.
Is it possible to refinance if my credit score has dropped since I bought my home?
In many cases, yes. Dynamic Funding Solutions offers flexible refinance options, including FHA and Non-QM programs, that may still work even with lower credit scores.
What’s the difference between a bridge loan and a cash-out refinance?
A bridge loan helps you buy a new home before selling your current one. A cash-out refinance lets you access your home’s equity while keeping your current mortgage in place.
Can I use my ITIN to buy a home in the U.S. without a Social Security number?
Yes. Dynamic Funding Solutions offers ITIN loan programs specifically designed for individuals without an SSN, including foreign nationals and non-residents.
Do government-backed loans take longer to close?
Not necessarily. With a well-prepared application and support from Dynamic Funding Solutions, FHA and VA loans can close just as quickly as conventional loans.
Can I refinance an investment property or second home?
Absolutely. We offer rate-and-term and cash-out refinance options for second homes and investment properties, often with fast approvals and minimal documentation.