4.12% Fixed APR

You don't have to work with some Out-Of-State Lender to get the Best Mortgage Rates and lowest fees on a Refinance. We are your Local (Orlando, FL Based) Discount, Direct Mortgage Lender, Call today - We will Beat ANY Competitor's Offer.

Direct Mortgage Lender - Not a Bank and Not a Broker

  • The big banks are so backed up with refinances, many raised their rates to slow down volume
  • To a big bank you are just a number, and will most likely work with an out of state call center
  • Mortgage broker fees raise the cost of your refinance, as a Direct Lender you pay no Broker Fees
  • We have the authority to underwrite and close your loan, and we do it in as little as 10 days.
  • (Interest Rates will not stay this low (4.12% APR FIXED) for long, and with our fast process you can get in before it’s too late)

No Games, No Pushy Sales People and BBB A-Rated

Most mortgage loan officers are paid commission and make extra money by selling you a higher interest rate, not here. We don’t have pushy commission sales people, you will work directly with a Salaried Credit Manager who’s only concern is earning your business, not making their next big commission check. This helps us keep our rates and fees low.

Based Locally in the Orlando, FL area

Our office is just off of Interstate 4, Exit 90B in Maitland Florida, just outside of Orlando. We would love to meet you in person, although you are welcome to complete the entire process over the phone, it’s completely up to you.

$1,000 "Best Mortgage Rates" Guarantee

If you find a better loan somewhere else (which we doubt you can) and we can’t beat it, we will give you a $1,000 Visa Gift Card.**

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LEGAL DISCLAIMER: R P Funding is an FHA Direct Endorsement Lender (#263150002), not a mortgage broker, allowing more flexible options and often better terms for customers. Dealing with a direct lender allows direct access to critical information and allows the avoidance of all mortgage broker fees. R P Funding is not affiliated with HUD or FHA. R P Funding is also a Florida Licensed Florida Mortgage Lender requiring the maximum net worth and experience by the State of Florida - License #ML0800096. *4.12% Fixed APR based on 3.75% Rate $250,000 Loan at 75% Loan To Value, 180 Month Term, 720 credit score. *3.19% APR based on 3.25% 5/1 Adjustable Rate Mortgage, 2/6 CAPS, 2.25% Margin, $250,000 Loan at 75% Loan to Value, 720 Credit Score. Rates as of 6/27/2010. Rates and Terms subject to change. **1,000 Best Deal guarantee requires 720 credit score and 75% or lower Loan To Value, does not apply if borrower is declined by RP Funding for any reason. Borrower must provide Good Faith Estimate from competing lender on the same day competitors terms were offered, does not apply to prior locks or terms, and give R P Funding an opportunity to beat the terms. In the event R P Funding is unable to beat the terms of the competing lender, borrower must provide a HUD-1 settlement statement and 1st page of mortgage note after closing, and lock in agreement dated the same day terms were presented to R P Funding, verifying competing lenders terms to receieve a $1,000 gift card - Does not apply to FHA, VA or USDA mortgage loans.