Guaranteed Mortgage Funding Corporation (GMFC) is a diversified mortgage company based in South Florida. Our intention is to create extraordinary value for our customers.

We accomplish this by capitalizing on our extensive mortgage, banking, and real estate experience. Our focus and core commitment is providing and satisfying customers with the best rates and terms, offering service and process that solidifies and expands lifelong client relationships.

The primary advantage of a 40-year fixed-rate mortgage is making monthly payments more affordable without taking on the risk of an adjustable rate. In addition to buyers in high-cost areas, the 40-year fixed mortgage also appeals to buyers with small down payments. Reducing the monthly payments on large loan amounts is accomplished by stretching the repayment term by an extra 10 years.

Choosing a traditional 30 year fixed rate mortgage allows your mortgage rate and payment to remain the same, regardless of how high interest rates rise.

A fixed-rate and payment make it easy to budget your finances and avoid the risk of rising mortgage rates.

The Down Payment

The amount you have available for a down payment will affect what types of loans for which you can qualify. Down payments typically range from 0 to 20 percent of the sales price for the property.

Scoring your Credit - How's your FICO?

In today's increasingly automated society, it should come as no surprise that when you apply for a mortgage, your ability to pay can be reduced to a single number. All the years you've been paying your mortgage, car payments, and credit card bills can be analyzed, sliced, diced, spindled and mutilated into a single indicator of whether you're likely to meet your future obligations.