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Apply for your mortgage with Funkytown Team

Start your online application, upload documents securely, and get clear next steps from Nathan & Britni McDaniel—so you can move from “thinking about it” to pre-approved with confidence.

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What to expect

A smooth, guided application—from start to close

Fast pre-approval guidance

Know what you qualify for and what to improve—without guesswork.

Clear document checklist

We’ll tell you exactly what to upload and why it matters.

Real updates, real humans

Questions along the way? You’ll get straightforward answers and next steps.

Choose your path

Not sure where to start? Pick the option that matches your goal—then we’ll tailor the next steps.

Purchase: First-time buyer

Get a clear plan, a realistic payment range, and a pre-approval you can shop with.

Purchase: Move-up home

Coordinate timing, down payment strategy, and approvals so you can compete confidently.

Refinance: Lower payment

Compare scenarios and see if a refi helps your monthly budget.

Refinance: Cash-out

Explore using equity for renovations, debt consolidation, or other goals.

Pre-approval refresh

If your last pre-approval expired, we’ll update it quickly and accurately.

Rate & option review

Understand the tradeoffs between rate, points, and terms—no jargon.

Multifamily investment property building

Investment or commercial deal

DSCR, bridge, and commercial financing for rentals and business real estate. Tell us the numbers and we’ll map the right program.

Ready to apply?

Use the secure portal to begin your application and upload documents. If you’d rather talk first, send a quick message and we’ll guide you.