Would You Like To Speak To One Of Our Loan Advisers?


We’ll be glad to provide you with the most optimal solution either for your mortgage or money loans matters.


We offer rate-and-term refinancing. Typically, you refinance your remaining balance for a lower interest rate and a term you can afford (the term is the number of years it will take to repay the loan)

Home Buying

Buying a home for the first time or nor, mortgages are the most affordable way to make a purchase right away and move in at once. Thanks to our lower-than-average interest rates a better mortgage will be possible!

Money Loans

At some point in your life, you will need a money loan to either pay for something you didn’t see coming or to bridge the gap to get something you’ve wanted for a long time. Whichever your situation is, we’ll help!

Home Equity Loans

A home equity loan is a type of loan in which the borrower uses the equity of his or her home as collateral for the money loan. The loan amount is determined by the value of the property.

Mortgage Management

Do you feel too puzzled in a complexity of your mortgage’s payment plan, interest rates and all these other financial tricky nuances? If that’s so, then our financial experts and Loan officers will gladly help you out!

Rates & Calculator

Calculating rate, credit score or interest threshold shouldn’t be that hard. With that in mind, we’ve designed our own loan assessment tool, making your loan’s assessment an easier and more intuitive process.

Mortgage Calculator:

Free Consultation for Home Buyers or Borrowers

Would you like to speak to one of our financial advisers? Just submit your contact details and we’ll be in touch shortly. You can also email us if you prefer that type of communication.


While some people say that success or an expertise is a relative thing that can’t be measured, we strongly disagree! For us, the extent of a praise that we get from our clients on a daily basis is the most measurable way to see how satisfactory and helpful our expertise, our terms, and our services really are!

We were referred to Morgan Home Funding through our parents, who have done multiple loans with them. As first time buyers, we didn’t really know the process, but Patrick made everything understandable and easy. He was personable, kept communications flowing, and helped keep the escrow as smooth as possible. He also got us an unbeatable loan rate. He went above and beyond for us and we really felt like he was on our side. Two thumbs way up!

- K M.

I got a referral to these guys from my family attorney. When other banks turned me down, Morgan was able to get me approved, with a lower interest rate and cash out on top of all that! Was glad I got the referral to these guys. I would definitely recommend them to you.

- Jim N.

I shopped around several places for a refinance quote including large banks, credit unions, and local lenders. Hands down, Lonny at Morgan Home Funding was the most instantly helpful, responsive, and communicative lender, and he locked me into a rate I was very happy with.

The 30 day lock period for my refinance application couldn’t have gone smoother. Lonny met me in person at the beginning of the process and made me feel very comfortable sharing my financial documents with him. He stayed in constant communication, walked me through the process, and always gave me beyond thorough explanations whenever I had a question. He took perfect care of me and my application. I never had to seek him out and ask the status of my application; he kept me updated all along the loan process. I’ll be going back to him if I ever need a loan again in the future. I highly recommend getting a quote from Lonny. Shop around for quotes and I’m confident you’ll get the same impression I did that Lonny is who you want for your loan.

- Skylar T.

This is a family owned and operated business, and it is refreshing that this local business can compete with the big banks on rates on fees. Icing on the cake is that they outshine any of those big financing machines with top notch customer service.

Lonny Cain hits the mark on quick closes with complex financial circumstances. The loan process is straight forward; he does as much heavy lifting as he can to keep the process on schedule without burdening you as a buyer with mountains of paperwork. He understands the lending requirements for California very well and treats us as the customer with respect. He is a pleasure to work with and works hard for your business in this competitive lending environment.

Lonny has handled multiple purchases and refinances with us over the decade. I have seen him quickly cut through exceptions and concerns issued by underwriting to keep the transaction on schedule. When we have a tricky transaction, Lonny has won our business every time.

- Vikki H.