Certified Funding, L.P. has operated as a second lien lending staff context for nearly 40 years, established in 1985. The company positions itself as a pioneer in the second lien market, serving mortgage brokers and mortgage bankers rather than consumers directly. As an independently owned and operated lender based in Dallas, Texas, they have built their business around deep experience context in a single lending niche.
The company offers purchase money second liens, equity liens, home improvement loans, and construction/permanent loans with escrow holdbacks. They advertise niche capabilities including jumbo second liens, loans to first-time homebuyers, products for borrowers with credit scores below 700, and balloon second lien options (where legally permitted). Their service area includes Texas and Colorado according to their website navigation.
Certified Funding distinguishes itself through specialization: second liens are explicitly their only business. They emphasize reliable closing timelines, an experienced staff, and competitive products tailored to broker needs. Their marketing emphasizes flexibility on credit scores and LTV ratios (up to 95% CLTV for home improvement loans in major metropolitan areas), suggesting willingness to work with higher-risk borrowers compared to traditional lenders.
As a B2B lender serving brokers rather than direct consumers, Certified Funding's accessibility to individual borrowers is limited. Their website does not list pricing transparency, application processes, or consumer-focused educational content. They hold NMLS #1892899 and a Texas OCCC license, indicating state regulatory compliance. The company's long operational history and regulatory status suggest legitimacy, though their narrow focus means they cannot serve borrowers seeking primary mortgages or loans outside their specific second lien products.
