Home Mortgage & Refinancing Serving Locations Throughout New York State
Call us Today: 518-782-1202

Industry Insights, Trends & Mortgage News

USDA / VA / FHA Appraisal Requirements

Posted in FAQs, Guide to FHA Home Loans, Guide to USDA Home Loans, Guide to VA Home Loans, Home Buying Tips & InfoPosted by Maple Tree Funding

In order for a loan to be financed, certain USDA, VA or FHA appraisal requirements must be met. The following will need to be repaired in order to avoid a re-inspection of the property: Paint ANY chipping or peeling paint will need to be scraped and painted, no matter how minor it may be. Remember to remove the old paint chips that have fallen onto the ground and dispose of them properly. Siding ANY missing…

Continue Reading »

Celebrating 20 Years of Excellence at Maple Tree Funding

Posted in About UsPosted by Maple Tree Funding

We’re celebrating 20 years of service in the Capital Region and New York State! In 2003, Maple Tree Funding first opened its doors, and we’ve continued to serve our clients and the community with our expertise in home mortgages and refinancing ever since. Two decades ago, Marty Pfeiffenberger, an incredible man with a love of numbers and a deep commitment to helping people, started Maple Tree Funding with a mission: to make the home-buying process…

Continue Reading »

Onondaga County: A Haven for Home Buyers in Central NY

Posted in Upstate New York NeighborhoodsPosted by Maple Tree Fundingcouple moving into a new home in Onondaga County NY

Nestled in the heart of Upstate NY, Onondaga County is a vibrant county that offers something for everyone. Dotted with charming towns and small cities throughout, this largely rural county surrounding Syracuse has been something of a hidden gem – but it’s about to become a hot spot.  Preparations are already underway for the construction of a cutting edge Micron Technology semiconductor manufacturing campus in Clay, NY. This plant, which will see construction begin in…

Continue Reading »

2023 Changes to VA Funding Fees

Posted in Guide to VA Home LoansPosted by Maple Tree FundingKey from property and USA flag. VA loan mortgage concept.

Early in 2023, the VA announced that they would be making a scheduled change to VA funding fee rates.  The funding fee percentages for VA home loans, including construction loans and refinances, will be decreasing as of April 7, 2023. This is good news for home buyers looking to finance purchases through VA home loans!  VA Loan Fees for Loans Closing Before April 7, 2023 The current VA loan fee rates still apply for loans…

Continue Reading »

FHA Loans vs. USDA Loans

Posted in Guide to FHA Home Loans, Guide to USDA Home LoansPosted by Maple Tree FundingYoung couple consulting with mortgage broker about FHA vs. USDA home loan options

When choosing a loan program, it’s important to understand your options. Let’s take a look at two different types of popular government loan programs – FHA loans and USDA loans – and how they compare to one another. Weighing Your Options: FHA Loans vs. USDA Loans Government mortgages are backed by the government, as their name indicates, meaning that the government ensures repayment to the bank or lender if you happen to default on your…

Continue Reading »