Strength and Stability

In 2008, when the housing bubble rocked the market and shuttered many businesses, Element Funding grew. We play the long game, and that means you can thrive, even in down markets.

Whether you choose to work within an established branch or have ambitions to start your own, our staff of over 300 manages the details of HR, compliance, marketing, IT and portfolio maintenance so you can focus on what matters: Originating. 


I Want Better


"With all the turnover that happens in the mortgage business, it was important to find a strong company to provide that stability I needed to be successful. I've been with Element Funding for over six years. They've been the consistent company I can depend on in an ever-changing market."


Ashley Rustom, Branch Manager, Decatur, GA; with Element Funding since 2013


Our long history with industry players has allowed us to grow one of the widest portfolios in the nation. Over 300 products, plus individual bond programs, allow us to meet almost every customer financing scenario. 

100% No-MI, conventional*

100% USDA and VA*

Reverse mortgages

OTC, construction & renovation loans

Down payment assistance

Manufactured homes

Low down-payment jumbo products

Fixed-rate, Adjustable-rate and Interest-only options  

*Closing costs and fees may still apply

I Want Better

We built the company we wanted to work for, from the top down — and it shows. Industry publications consistently name us one of the top mortgage companies to work for and a leading mortgage lender. Our 20-year growth proves that success and integrity go hand-in-hand and that happiness is a growth strategy. It also makes us unique.


I Want Better