Established in 1981, HB&O Funding Company has been the longest operating mortgage brokerage in Western New York. Founded over 36 years ago, it has proudly earned the reputation for having the knowledge and expertise to get the deal done. Today, HB&O Funding Company’s portfolio includes most major local and national lenders with services for those interested in residential, investment and commercial property in New York and Florida. Whether you or your client needs to purchase, refinance or construct; HB&O Funding Company will dedicate its expertise to find the best solution. ~ Areas of Focus ~ Purchase: 100% Finance Options First Time Home Buyers Less Than Perfect Credit New Construction Refinance: Debt Consolidation Bills / Liens Home Improvements Cash Out Shorten Term Retirement Planning Investment Registered Mortgage Broker (Co. NMLS 3502) – New York State Department of Financial Services - All 1-4 Family Residential Mortgage Loans Arranged with 3rd Party Providers