Your Home. Your Benefits. Your Future.
Specialized VA loans and investment financing for veterans, active duty military, and real estate investors in Florida, New York, and Tennessee.
Two Specialties. One Trusted Advisor.
Whether you've served our country or you're building a real estate portfolio, I have the loan program designed for you.
VA Home Loans
You've earned it. VA loans offer $0 down payment, no private mortgage insurance, and competitive rates. Exclusively for those who've served. I'll guide you through every step.
Investment & Non-QM Loans
DSCR loans, fix-and-flip financing, and Non-QM programs built for investors who don't fit the traditional mold. Qualify on cash flow, not just W-2 income.
100+
Loans Closed
Why Clients Choose Honey and Money
I'm not a call center. I'm your dedicated mortgage advisor, available, knowledgeable, and invested in your success.
100+
Loans Closed
Families and investors funded across FL, NY, and TN.
5+
Years of Experience
Five+ years navigating VA and investment loan programs.
3
States Licensed
All residential loans in Florida, New York, and Tennessee.
48hr
Pre Approval Turnaround
Fast, clear answers so you can move with confidence.
How It Works
From first call to closing day, a clear, guided process with no surprises.
01
Free Consultation
We talk through your goals, timeline, and loan options.
02
Pre-Approval
I pull your credit and financials to get you a solid preapproval letter.
03
Find Your Property
Shop with confidence knowing exactly what you can afford.
04
Close & Celebrate
We close your loan and hand you the keys.
What Clients Are Saying
"Steve at Queen City Funding was absolutely awesome to work with on our Florida home purchase. From start to finish, he stayed on top of everything, worked through every kink that came up, and made sure the deal got done. He truly went above and beyond to make it happen. If you need a lender who knows how to get deals closed and doesn't quit when things get tricky, I highly recommend Steve and Queen City Funding."
Alex A.
DSCR Home Loan
"If you're looking for a mortgage broker who is knowledgeable, reliable, and truly committed to helping his clients succeed, I cannot recommend Steve Odebralski and Queen City Funding highly enough. Thank you, Steve, for helping us achieve our dream of homeownership!"
Stacy G.
VA Home Loan
"Steve is a true professional and someone that I would recommend to any friend, family member or coworker of mine. Steve cares about his clients and made himself available even at some unusual times when most people would not. Steve made buying my very first home an easy and enjoyable experience. Thank you so much Steve, we truly appreciate you!"
Jared B.
VA Home Loan
Ready to Make Your Move?
Whether you're buying your first home with a VA loan or expanding your investment portfolio, I'm here to make it happen. Let's talk, no pressure, just real answers.