WHAT WE DO?

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Our team of seasoned mortgage consultants have undergone rigorous training and testing to adhere to strict State and Federal regulations. These mortgage professionals strive to offer clients with a loan or loan options that are consistent with their long term financial goals, whether they are Conventional, Jumbo, FHA, VA, Construction, and Private Money loans. The team at Back Bay Funding leverages technology with the goals of providing a streamlined loan process to our expanding list of valued clients and to meet the needs of a mobile customer base.

PURCHASE LOANS

Whether you are buying your first home or purchasing a property to add to your portfolio, Back Bay Funding and our lenders have many product specialties and rate incentives to help you close on time.

REFINANCE LOANS

Refinancing your existing loan can bring relief to your financial outlook, whether you would like to reduce your interest rate, obtain cash/equity from your home’s current value, or changing a mortgage product (e.g. adjustable rate to a fixed rate).

CONVENTIONAL

If your loan is currently services by Fannie Mae or Freddie Mac, Back Bay can help find you the lowest mortgage rate in today’s market.

OTHER LOANS AVAILABLE

Home Affordable Refinance Program
Construction Loans
VA (Veterans Affairs) Loans
Down Payment Assistance Programs
Fixed Rate Loans
Adjustable Rate Loans
Asset Depletion Loans
Hard Money Loans
Private Banking Loans

JUMBO

For a loan over county limits ($625,500 in Los Angeles/Orange counties, $580,750 in San Diego for example), we can find the fixed rate, adjustable rate, or interest only option that will still allow you to save money.

FHA

FHA-endorsed loans allow for a reduced down payment (as low as 3.5 %!!) which can help you purchase your dream home sooner. If you already have an FHA loan, an FHA streamline product is a quick and easy process, where we may not even need an appraisal!

Reverse Mortgage

For borrowers 62 years of age and older, a popular option is a reverse mortgage whereby equity in the home can be obtained in the form of cash to assist with other debts. If you are interested, please contact us for more information.

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Our Banking platform gives us the ability to originate & close transactions in less than 30 days. When compared to a retail bank, our ability to confer with a wide variety of lenders to provide the most competitive rates and best service for almost every borrower’s unique situation is your number one benefit. Whether you are buying a primary home, a second home, an investment property or refinancing properties you currently own, allow us to the opportunity to help you save money – at closing and every month thereafter.

ABOUT US

VP Partners Inc, DBA Back Bay Funding is a leading mortgage lender in Southern California.  When you work with our phenomenal team of top-tier mortgage professionals, you will be supported by a wealth of knowledge and experience that is unequaled in the industry.

Our diverse products, including first time home buyer programs, jumbo financing, and full and limited income documentation, are tailored to fit your simple or complex financial needs.

Our relationship with more than 40 distinct wholesale lending institutions, as well as our own direct lending division, enables us to offer an extensive array of mortgage solutions.

WHAT BACK BAY CUSTOMERS ARE SAYING?