I started my mortgage career as a result of going through the process. Like many, my wife and I were buying a home and needed a mortgage. Unfortunately the experience wasn’t great and I became intrigued with the idea of making it better.

Driven with an entrepreneurial spirit I left a great career and opened a Cendera Funding office in Aledo, TX. I suppose my family heritage gave me the confidence to take the risk. In 1976 my Grandfather opened Jim’s Lock and Safe on Magnolia in Fort Worth and later my father followed suit opening Fort Worth Cycling on the west side of Fort Worth. Both businesses continue to thrive today.

Since opening the Cendera office my team and I have had the privilege to help thousands of families and originate hundreds of millions in mortgages. Today, we’re highly focused on refining the process and implementing ideas that make the process more personal. We want to remain connected to our clients for life and do so through a community connection and value added services long after we close the loan. Speaking of closing.. We close loans in approximately half the time of the industry average.

We love what we do and try every day to refine and create new ways to bring value to our clients and partners. We’re a leader in the industry.

What Our Borrowers Are Saying

Couldn't have asked for a better experience than I had with Joey Howington and staff at Cendera Funding. They made buying a home a special time for me and helped and truly cared about the entire process from start to finish. I highly recommend them.

Zuser20140518204835334Zillow Review

I was a first time home buyer so I went into this process not quite knowing what to expect. Not only did Joey and Cendera make sure I was okay with each step, they made sure I understood each step, and knew my options at every stage. The time I spent with Joey and his team was a positive, stress-free, learning experience.

KeithValleyZillow Review

Joey and his team where a great pleasure to work with and I could have not been more pleased. They made my refinance seem effortless. This was my first time to refi and Joey was very clear on explaining all the transactions, next steps, and numbers throughout the process.

JscottwaltersZillow Review

Our funding got messed up at our local bank and we were in a panic to find alternative funding in a fast paced housing market. Not only did they pull the rabbit out of the hat for us but were the easiest and friendliest people on all sides, from initial application to underwriting.

McintoshresourcesllcZillow Review

The Howington Group at Cendera Funding are the absolute best when it comes to buying a home. Joey was extremely helpful throughout the whole process and also very responsive. Without the Howington Group, things could have been a lot more stressful. Working with them was a complete breeze!

MeganbludauZillow Review

Mortgage ChecklistMortgage Checklist

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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