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Located in sunny South Florida, we thrive on the success and satisfaction of our clients.

Calculators

Calculate your mortgage, interest rates, and more.

Loan Programs

Explore various loan program options for fixed and adjustable rate mortgages.

Our ServicesFind Loan Products We Offer

Purchase

Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.

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Refinance

We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!

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Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted. Submit your Application

Welcome to J&R Funding LLC!

We pride ourselves on delivering an exceptional mortgage experience that sets us apart from the rest. Our innovative loan process, combined with our team of experts, ensures that you receive white glove service, competitive pricing, and a quick turnaround time.

With a commitment to creating a customer experience that is second to none, we assist clients in finding the perfect fit for their mortgage needs. Whether you're purchasing a new home, refinancing your mortgage, or looking to make an investment purchase, we're here to guide you every step of the way. Trust J&R Funding LLC to provide the personalized attention and expertise you deserve.

Non-QM and Conventional in Boca Raton, FL

Welcome to the official site of JR Funding. We are a full service mortgage company based in Boca Raton, FL. We specialize in Non-QM and Conventional in Boca Raton. We also serve the surrounding cities in Palm Beach County. Whether you are buying a home or refinancing in the zip code: 33487, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

What makes JR Funding unique is that we offer the following niche programs as well: Jumbo, ARMs, Fixed Rate, Reverse Mortgages, Construction, Rehab, Commercial, DSCR.

Contact JR Funding today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

WHAT PEOPLE SAYSome of our Awesome Testimonials

By far the most easy going, professional, and courteous mortgage broker I’ve had the pleasure of dealing with. 10/10 recommend.

Matt Avoletta

Florida

The best of the best! Ben and his team repeatedly go above and beyond. After multiple transactions together, I cant complain about one thing. Don't look anywhere else!!

Tim Bakels

Deerfield Beach, Florida

Ben and the team at J & R are some of the best in the business. Great communication, hard work and super knowledgeable. Would not hesitate to recommend!

Dan DeMott

Palm Beach County, Florida

Very professional and handled everything from start to finish, I barely had to do anything. So glad a friend of mine recommended this company.

Stefane Hicks

West Palm Beach, Florida

Ben and the team at J&R Funding were amazing. 10/10 would recommend to anyone who needs a mortgage loan. They were flexible, responsive, and professional. Anytime we had a question, they were there to not only give us the information we needed but also advise us on what to do (literally gave us step to step instructions on what we needed to do). If you’re thinking about buying a home, go with Ben.

Kerry Hulse

Orlando, Florida

I worked closely with Benjamin Bieber and it was such a smooth transaction. He is so knowledgeable and willing to work with you to make sure you get the home loan you want. Couldn’t have asked for a better experience.

Amberlyn Johnson

Palm Beach County, Florida

I have worked with Ben and his team on multiple occasions and can only say good things! They are reliable, very responsive, his loans get approved fast. If there is a way Ben always finds it. I would recommend Ben and J&R Funding anytime.

Mia Fischer

Boynton Beach, Florida

Great company! They are very efficient, professional, and easy to work with.

Victoria Maldonado

Port St. Lucie, Florida

"Ben and the J&R Funding team provide top quality service. They helped us with all the available options for investing and buying our home. Ben is very professional and trustworthy. I will continue to use the J&R Funding team. Thank you for all your help."

Christopher Amaral

Port St. Lucie, Florida

"Best in the market, Ben is available anytime you need him with any questions you have either with prequalifying or closing the deal, very knowledgeable and will continue using his service going forward!"

Jephin Devassy

West Palm Beach, Florida

"We recently had the pleasure of working with an outstanding loan officer who helped us refinance our home. From the beginning, Ben Bieber displayed professionalism and expertise as we navigated through this first time experience. He and his team researched the best options available and ultimately was able to secure an interest rate that has provided for significant savings over the life of our loan. What separates JR Funding from others is their commitment to transparent and open communication. A process like refinancing can be very overwhelming, but Ben took the time to answer all our questions, walk us through all the steps, and made sure that we were good with everything. We are so thankful for Ben and his team and would highly recommend them to anyone looking for a loan officer that can deliver results!"

Daniel Escobar

Lake Worth, Florida

"Ben is amazing! He has helped me twice now. Once on my purchase of my home then again to get my rates down. He truly is the best! I recommend him to everyone I know looking to buy or refinance. We look to him for advice on any future purchases because he truly puts his clients first to get them the best deal. Thank you again Ben."

Margaret Small

Delray Beach, Florida

"Buying your first home is always stressful, but add on being a single Mom with two sons that finally want their own bedrooms. I was blindly looking at mortgage companies that were charging me excess fees, while I had no understanding of the process. Ben Bieber, who is the most knowledgeable and honest mortgage broker I have met, understood my circumstances and helped me through the process. I was thrilled to purchase the perfect home for my family and the entire process went smoothly. I have the utmost confidence recommending J&R Funding, as I am sure you too will have the same exceptional experience. "

Annabel Cohen

Florida

"I would like to give J&R Funding five stars. Ben gave me the best rate and believe me I did my homework and searched. He also answered all my questions and explained the process. He went out of his way day or night to return my phone calls and I did call him a lot. The loan was fast with the best rate. I can’t thank him enough for going out of his way and highly recommend this company. Thanks for all you did."

Dorothy Blanco

Jupiter, Florida

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