Business Details
Trusted Home Loan Solutions for Your Future
Mid-Continent Funding has established itself as a trusted partner in the mortgage lending industry, dedicated to empowering individuals and families to achieve homeownership. Our team of seasoned loan experts brings decades of collective experience, offering personalized guidance through every step of the mortgage process. We specialize in FHA, VA, and conventional loan programs, leveraging relationships with multiple lenders to secure competitive rates and tailored solutions. Our commitment to transparency ensures clients receive clear communication, no hidden fees, and timely updates throughout the loan lifecycle.With a focus on financial education, we help borrowers understand their options, from low-down-payment programs to cash-out refinancing. Our industry-leading professionals prioritize client needs, combining technical expertise with compassionate service to turn homeownership dreams into reality. By maintaining rigorous compliance standards and embracing innovative digital tools, we streamline the lending process while upholding the highest ethical practices.
Services
FHA Loans
VA Loans
Conventional Loans
Mortgage Refinancing
Low-Down-Payment Programs
Highlights and features
- We offer multiple loan options including FHA, VA, and conventional programs
- Our team includes NMLS-licensed loan officers with specialized mortgage expertise
- We provide competitive interest rates through partnerships with multiple lenders
- Dedicated support team offers personalized guidance from application to closing
- Flexible underwriting options for borrowers with varying credit profiles
What people say
Saved me $8K
Phenomenal service
No surprises
Excellent interest rate
Exceptional team
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and flexible credit requirements. These government-backed mortgages offer 3.5% minimum down payments for borrowers with credit scores above 580, competitive interest rates, and assumable loan features. Ideal for first-time homebuyers and those with moderate credit challenges, FHA loans include fixed-rate terms from 15-30 years while maintaining mortgage insurance requirements throughout the loan lifecycle.
VA Loans
VA loans deliver exclusive homeownership benefits for military veterans and active-duty personnel. Qualified borrowers access $0 down payment options, no mortgage insurance requirements, and streamlined refinancing processes. With loan amounts up to $1,200,000 in most areas and favorable interest rates, these government-guaranteed loans honor service members' sacrifices through enhanced purchasing power and flexible qualification standards.
Conventional Loans
Conventional loans serve borrowers with strong credit profiles through fixed-rate and adjustable-rate mortgage options. Following Fannie Mae and Freddie Mac guidelines, these loans offer down payments starting at 3% with cancelable mortgage insurance when equity reaches 20%. Available in 15-30 year terms, they provide predictable payments for financially stable borrowers seeking standard mortgage products without government insurance requirements.
Mortgage Refinancing
Our refinancing programs help homeowners reduce monthly payments, shorten loan terms, or access home equity. Cash-out refinancing options allow tapping into home equity while rate-and-term refinancing optimizes interest rates. VA loan holders benefit from streamlined processes without re-qualification, and FHA borrowers access simplified procedures through the MIP reduction program, all designed to enhance financial flexibility.
First-Time Buyer Programs
Specialized programs support first-time homebuyers through down payment assistance, reduced closing costs, and educational resources. Combining FHA loan benefits with local grant programs, we help new buyers overcome financial barriers. Our counselors guide clients through eligibility requirements, budget planning, and mortgage readiness strategies to ensure sustainable homeownership experiences.
People
Annie Doisy
Chief Executive Officer
With over 25 years in mortgage finance, Annie leads Mid-Continent Funding's strategic vision while maintaining hands-on client engagement. Her leadership emphasizes ethical lending practices and innovative loan solutions.
Adam Garrett
Senior Loan Officer
NMLS-licensed with 15+ years' experience, Adam specializes in VA loan programs. He guides military families through zero-down mortgage options while maintaining a 98% client satisfaction rate.
Amber Hatcher
Senior Loan Officer
Recognized for exceptional customer service, Amber has funded over $50M in residential loans. Her expertise in FHA programs helps first-time buyers achieve homeownership with minimal financial barriers.
Jeff Bailey
Senior Loan Officer
Specializing in conventional loan programs, Jeff assists clients with credit optimization strategies. His clients consistently achieve interest rates below market averages through personalized financial counseling.
Matt Riebeling
Senior Loan Officer
A mortgage industry veteran with 18 years' experience, Matt focuses on jumbo loan products and complex financial scenarios. He maintains advanced certifications in mortgage risk assessment and underwriting standards.
Questions
What loan programs do you offer?
We provide FHA, VA, conventional, and refinancing loan programs with down payment options starting at 0% for qualified borrowers.
How do I get prequalified?
Contact our loan officers for a free consultation where we'll review your financial situation and credit profile to determine eligibility.
Can I refinance my existing mortgage?
Yes, we offer rate-and-term refinancing, cash-out options, and streamlined processes for VA and FHA loan holders.
What credit score do I need?
Minimum scores vary: 500 for FHA (10% down), 580 for FHA (3.5% down), and 620+ for conventional loans.
How long does the loan process take?
Typical processing takes 30-45 days from application to closing with proper documentation submission.
Do you charge prepayment penalties?
No, all our loan programs allow penalty-free prepayment at any time during the loan term.