Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your decision. Market conditions and mortgage programs change frequently, and I welcome the opportunity to serve your needs with quick and accurate real estate financing advice. I have the expertise and knowledge to help you determine the absolute best loan program to meet your objectives.

Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with personalized mortgage services and expert advice that exceeds expectations every time. I hope you’ll browse the Cendera website, check out the different loan programs available to you, use the decision-making tools and calculators, and quickly and easily apply for a loan using the “Apply Online” button above.

After you’ve applied, I’ll call you to discuss the details of your loan. Of course, if you have any questions or just want to talk through your options before applying, my contact information is listed above.

I look forward to working with you!

What Our Borrowers Are Saying

We switched to a local lender after our main bank's representative was unresponsive for a week, even then she didn't get back to us until a week or two after that. We were pleasantly surprised and relieved at finding Cendera Funding and having Bernie's help in this process. Thank you Bernie!

user1951054Zillow Review

Obtaining a mortgage seemed scary to me because the industry seems to always be changing. Bernie DeMent, my mortgage broker with Cendera worked so hard to get me the best rate. We talked/e-mailed often and I was very impressed with his knowledge and professional commitment. I would never get another mortgage without using Cendera Funding!

User69276Zillow Review

I would like to recommend Bernie Dement and the staff and Cendera Funding Cendera was able to eliminate my second mortgage and roll-in closing costs into a new single conventional loan at a much lower interest rate. The new loan will save me hundreds of dollars every month. Thanks Bernie!

TexanintexasZillow Review

I was introduced to Bernie by my realtor, from the first time I've spoke with him he was courteous and caring on what my plan to buy my house was. I enjoyed working with his office and his team highly recommend them to everyone I know who's in the market to buy a house.

F ChrakieZillow Review

Bernie and his staff were very professional and quickly got us financed and in a home in a few weeks. We were very impressed by his efficiency and professionalism.

Gothra25Zillow Review

Working with Bernie DeMent was great. There were a few times I needed to call him to ask if something I needed to do would impact my loan and he reviewed my file and was able to advise me through the issues. I highly recommend Bernie DeMent and Cendera Funding.

Robert TunnellZillow Review

Bernie and his staff were amazing. I had less than perfect credit and they were up front about everything and worked hard to make sure I understood the processes we were doing and how they would help to close this loan.

Jeff DickensZillow Review

Our loan was a very difficult one. Bernie was amazing and never gave up on us. We are very grateful to him and his team.

Michael AndrewsCustomer Survey

Mortgage ChecklistMortgage Checklist

calcCalculators

a-payAppraisal Payments

hudHud Booklet

m-libMortgage Library

terminologyTerminology

h-linksHelpful Links

Mortgage ChecklistMortgage Checklist

Mortgage Calculators

calcCalculators

calculators

a-payAppraisal Payments

Appraisal Payments

hudHud Booklet

Hud Booklet

m-libMortgage Library

Mortgage Library

terminologyTerminology

Teminology

h-linksHelpful Links

helpful-links