CA Chico

Welcome to the Summit Funding, Inc. in Chico Ca. We specialize in residential home loans and are proud to service Butte, Tehama, Glenn, Shasta and surrounding counties. Our strategy is to deliver to you the power of a national mortgage bank with the personal attention of a local lender. We look forward to offering the best customer service in the industry! Our team of highly trained mortgage professionals is licensed to offer individual solutions to your unique financial circumstances. The internet is great, but we feel that you need personal service when shopping for a mortgage.

We make it easy to buy a home or refinance

What can Summit Funding, Inc. do for you?

In the volatile home-lending market, mortgage bankers can serve as safeguards, offering their clients security, safety and peace of mind. One of Summit Funding, Inc.’s most important functions is escorting your loan application through the entire process, constantly patrolling the component transactions for possible breakdowns. We can wade through the mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options.


We handle the details...

There are literally thousands of variables that can affect the outcome of your mortgage transaction. That’s why you need Summit Funding, Inc. to act as a liaison between the Title and Escrow Company, Real Estate agent, lender, appraiser, credit agency, the underwriters the processors, attorneys, and any other services which may affect your transaction.

Loan Programs

We offer a vast array of loan products to suit your individual financial needs. The following briefly summarizes the products we currently offer. Our knowledgeable Loan Officers can guide you through the specifics of each loan product you may be eligible for.



  • Up to 95% Financing

  • 10, 15, 20, 30 Year Fixed Options | ARM 3/1, 5/1, 7/1, 10/1\



  • Up to 96.5% Financing (Down Payment Assistance Programs – See CHF Access & CHDAP)
  • Credit Scores Down to 580


FHA Streamline Refinance

  • Low Documentation Refinance Current FHA Mortgage
  • No Appraisal | No Income Documentation



  • Purchase or Refinance for Eligible Veteran's
  • Up to 100% Financing | No Mortgage Insurance


CHF Access | CHDAP

  • FHA Loan Providing Down Payment Assistance/Second Loan
  • Up to 99.5% Financing
  • Available for California Residents Only


HARP 2.0

  • Fannie Mae /Freddie Mac Relief Refinance
  • Loan to Value over 150% | No Mortgage Insurance for Qualified Properties



  • Rural Home Loan (Purchase only)
  • Up to 100% Financing


 - Please click the APPLY NOW button to get started and fill out an online application.