We go against the grain of tradition banking.

Who We Are

We love a good challenge! Whether it is low rates, quick closings or even clients that have difficulty getting traditional loans. We take the time to understand your unique needs and - as a Broker - we are able to shop different style loans and programs for you. This ensures all your financial needs are met.

NMLS #223287

Patrick has spent more than a decade guiding his clients through the various aspects of the mortgage process, including pre-approvals, loan evaluation, matching consumers with their ideal lender programs and distinguishing comfort vs. the amount a consumer qualifies for. Most importantly, Patrick has a proven track record of providing consumers with transparency on the overall process, program, interest rate and costs, showcasing his commitment and value every step of the way

We use cutting edge technology to give you price comparisons so you know you are getting the right loan for you.

Funding your dreams.

Patrick J Cunningham

NMLS #223287

908-224-4100 Office/TEXT


Virtue Funding LLC

NMLS: #263038


80 West Grand Street

3rd Floor

Elizabeth, NJ 07201


LICENSEE WILL NOT MAKE ANY MORTGAGE LOAN COMMITMENTS OR FUND ANY MORTGAGE LOANS AND ARRANGES LOAN WITH THIRD-PARTY PROVIDERS

follow us 

follow us