The right home loan, from lenders who compete for you.
Banks offer you their loans. As an independent broker, we shop multiple lenders to find the one that fits you, then guide you from preapproval to closing. Purchase, refinance, cash-out and hard money.
Loans for every step of homeownership
FHA, VA, Jumbo, ARM, PMI. We translate the acronyms, compare your options side by side and make sure you understand every number before you sign.
Buy a Home
Conventional, FHA, VA and Jumbo purchase loans, including for first-time buyers.
Explore purchase loans →Refinance
Lower your payment, change your term, or drop mortgage insurance when it makes sense.
See if refinancing fits →Cash-Out Refinance
Turn home equity into cash for renovations, debt consolidation, tuition or investing.
Tap your equity →Hard Money & Private Loans
Banks generally don't make these. We can arrange them when credit or timing rules out a traditional loan.
Learn about hard money →Free Credit Review
Not ready yet? We review your credit report for free and show you what to fix to qualify.
Get a free review →Preapproval Letter
Shop with confidence. Sellers expect a letter with your offer, and we aim to deliver in 24 hours or less.
Start my preapproval →What would my monthly payment be?
Plug in your own numbers for a quick principal-and-interest estimate. Then let us show you real options from multiple lenders.
Three steps. No paper piles.
Apply online, track your loan in a secure portal and sign most documents digitally. Prefer to sit down in person? Our office is on Thornton Avenue.
Talk to us
A free call or office visit. We learn your goals and finances and answer every question.
Apply securely online
We send a link to a secure online application. Most people finish in one sitting.
Track, sign, close
Follow your loan's progress online, e-sign most documents and get the keys.
Treated like family
"Your help and guidance along the entire journey was nothing short of phenomenal. We will be forever grateful of your knowledge, expertise, patience, and personal touch. You consistently treated us like family."
Jonathan, Rainbow Funding client"Adam did a great job on our refinance. He really made sure things were done in a timely manner, and we felt that he was very sincere in wanting to help us."
Odel and Sammy, Rainbow Funding clients
A broker who lives here, not a call center
Rainbow Funding is family-owned and run by Adam Modzeleski, son of founder Dick Modzeleski. Named "Best Mortgage Broker" in Newark for three years.
- Access to multiple lenders, so you can compare
- In-person, phone or video consultations
- Straight answers on credit, down payment and closing costs
- Sister company Weichert Realtors® Rainbow Properties for buying and selling
Ready to see what you qualify for?
Preapproval is free and takes a few minutes to start. No obligation.
Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, underwriting guidelines and property eligibility. Programs, rates and terms are subject to change without notice.