Our Services

As a mortgage lender, not a broker, we have a fiduciary relationship with our clients, which means everything is done in strict confidentiality.  Element Funding is a correspondent lender, and operates as a division of Primary Residential Mortgage.  We have our own in-house FNMA DE Approved underwriting staff.  This means all out files are underwritten using the latest guidelines.

The product lines we offer are:

  • FHA and VA Loans
  • Conventional Loans
  • Jumbo Loans
  •  Condo Financing (FHA and Conventional)
  • 203 K Rehab Loans
  • PRMI Choice Loans (For Borrowers with Scores Below 640)
  • Down Payment Assistance Programs (DPA) Using funds from the Metro-Miami Action Plan Trust Program which offers qualifed buyers up to 4% of the sales price interest free and a no-payback program.
  • We consult with you to understand which loan product best fits your specific situation.
  • Personalized, individualized consultants
  • Brochures, fliers, and various explanations to help you understand the complete loan process.
  • To complete an application go to www.elementfunding.com/jcarter, select LOAN APPLICATION at the top of the page under the logo, and then the application page appears.  Select my name, James Carter, and complete the application.  This is a secure site, and, it is automatically sent to me when you complete the application.
  • For any questions call me at 305.525.6742 or email me at jcarter@elementfunding.com

The views and opinions expressed are my own and do not necessarily represent the official policy or position of Element Funding.


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