Arizona Mortgage Loan Options

FHA Loans

As low as 3.5% down payment with flexible credit requirements. Perfect for first-time homebuyers and those with limited savings.

• ✓ 3.5% minimum down payment
• ✓ Credit scores as low as 580
• ✓ Gift funds allowed
• ✓ Higher debt-to-income ratios accepted

VA Loans

Zero-down financing for eligible veterans, active-duty service members, and qualifying spouses. No PMI required.

• ✓ $0 down payment
• ✓ No private mortgage insurance
• ✓ Competitive interest rates
• ✓ Flexible credit guidelines

USDA Loans

100% financing for eligible rural and suburban properties. No down payment required for qualifying buyers.

• ✓ Zero down payment option
• ✓ Low mortgage insurance
• ✓ Rural and suburban areas
• ✓ Income limits apply

VA IRRRL

Interest Rate Reduction Refinance Loan for existing VA loan holders. Streamlined process with minimal documentation.

• ✓ Lower your VA loan rate
• ✓ Minimal documentation
• ✓ No appraisal often required
• ✓ Fast processing

FHA 203(k) Renovation Loans

Finance both purchase and renovation costs in a single loan. Ideal for fixer-uppers and home improvements.

• ✓ Purchase + renovation combined
• ✓ 3.5% minimum down
• ✓ Approved contractor list
• ✓ Energy-efficient upgrades allowed

Arizona Housing Programs

Arizona Housing Finance Authority offers special programs with down payment assistance and competitive rates.

• ✓ Down payment assistance
• ✓ Below-market interest rates
• ✓ First-time buyer focus
• ✓ Income limits apply

Conventional Loans

Flexible terms and competitive rates for borrowers with good credit and stable income. As low as 3% down.

• ✓ 3% minimum down payment
• ✓ PMI removable at 20% equity
• ✓ Fixed and adjustable rates
• ✓ Strong credit rewarded

Jumbo Loans

Financing for luxury properties exceeding conforming loan limits. Competitive rates for high-value homes.

• ✓ Loan amounts over $766,550
• ✓ Luxury property financing
• ✓ Competitive jumbo rates
• ✓ Strong credit required

Conforming Loans

Loans meeting Fannie Mae and Freddie Mac guidelines with the best rates and terms available.

• ✓ Up to $766,550 loan amount
• ✓ Best available rates
• ✓ Standard documentation
• ✓ Predictable guidelines

Non-Conforming Loans

Flexible financing for unique situations that don't fit traditional lending guidelines.

• ✓ Flexible underwriting
• ✓ Unique property types
• ✓ Non-standard income
• ✓ Portfolio lending options

High-Balance Loans

Loans above standard conforming limits but below jumbo thresholds for high-cost areas.

• ✓ Between conforming and jumbo
• ✓ High-cost area financing
• ✓ Competitive pricing
• ✓ Fannie/Freddie backed

Portfolio Loans

Lender-held loans with flexible terms for borrowers who don't fit conventional boxes.

• ✓ Flexible underwriting
• ✓ Unique situations welcome
• ✓ Custom terms available
• ✓ Multiple properties

Rate-and-Term Refinancing

Lower your interest rate or change your loan term to save money over the life of your loan.

• ✓ Lower monthly payments
• ✓ Reduce interest rate
• ✓ Shorten loan term
• ✓ Switch ARM to fixed

Cash-Out Refinancing

Access your home equity for renovations, debt consolidation, or other financial needs.

• ✓ Access home equity
• ✓ Consolidate high-interest debt
• ✓ Fund home improvements
• ✓ Lower overall interest rates

Streamline Refinancing

Fast, simplified refinancing for FHA, VA, and conventional loans with minimal documentation.

• ✓ Minimal documentation
• ✓ No appraisal often required
• ✓ Fast processing
• ✓ Lower closing costs

No-Closing-Cost Refinancing

Refinance with closing costs rolled into the loan or covered by lender credits.

• ✓ Zero out-of-pocket costs
• ✓ Lender credit options
• ✓ Roll costs into loan
• ✓ Immediate savings

FHA Streamline Refinancing

Simplified refinancing for existing FHA loan holders with reduced documentation requirements.

• ✓ For existing FHA loans
• ✓ No income verification
• ✓ No appraisal required
• ✓ Reduce mortgage insurance

Refinance Services

Comprehensive refinancing guidance to find the best option for your unique situation.

• ✓ All refinance types
• ✓ Expert consultation
• ✓ Rate analysis
• ✓ Cost-benefit review

Investment Property Loans

Financing for rental properties and real estate investments with rental income considered.

• ✓ Single-family rentals
• ✓ Multi-family properties
• ✓ Rental income considered
• ✓ Portfolio loans available

Fix-and-Flip Loans

Short-term financing for property rehabilitation and resale. Fast funding for investors.

• ✓ Purchase + renovation funds
• ✓ Short-term financing
• ✓ Quick closings
• ✓ Interest-only options

DSCR Loans

Debt Service Coverage Ratio loans qualified based on property cash flow, not personal income.

• ✓ No income verification
• ✓ Property cash flow based
• ✓ Great for investors
• ✓ Multiple properties allowed

Commercial Real Estate Loans

Financing for office buildings, retail centers, industrial properties, and mixed-use developments.

• ✓ Office and retail
• ✓ Industrial properties
• ✓ Mixed-use developments
• ✓ Owner-occupied options

Second Home Financing

Vacation home loans with rates better than investment properties for personal use properties.

• ✓ Vacation properties
• ✓ Better rates than rentals
• ✓ 10-20% down payment
• ✓ Personal use focus

Bridge Loans

Short-term financing to bridge the gap between buying a new home and selling your current one.

• ✓ Short-term solution
• ✓ Buy before you sell
• ✓ Fast funding
• ✓ Flexible terms

Construction Loans

Finance the construction of your new home with construction-to-permanent financing options.

• ✓ New home construction
• ✓ Construction-to-permanent
• ✓ Interest-only during build
• ✓ One-time close options

Renovation Loans

Finance both purchase and renovation costs in one loan. Perfect for fixer-uppers.

• ✓ Purchase + renovation
• ✓ FHA 203(k) and conventional
• ✓ Approved contractors
• ✓ Draw schedule funding

Hard Money Loans

Asset-based financing for quick closings and challenging situations. Property value focused.

• ✓ Fast funding (7-14 days)
• ✓ Property value based
• ✓ Poor credit accepted
• ✓ Short-term bridge

Physician Loans

Special financing for medical professionals with reduced down payments and no PMI on jumbo loans.

• ✓ Low or no down payment
• ✓ No PMI on jumbos
• ✓ Student loan flexibility
• ✓ Contract income accepted

Bank Statement Loans

Qualify using bank statements instead of tax returns. Perfect for self-employed borrowers.

• ✓ 12-24 months bank statements
• ✓ No tax returns required
• ✓ Self-employed friendly
• ✓ Higher loan amounts

Asset-Based Lending

Qualify based on liquid assets rather than income. Ideal for retirees and high-net-worth individuals.

• ✓ No income verification
• ✓ Asset depletion method
• ✓ Retiree friendly
• ✓ Significant assets required

Non-QM Loans

Non-Qualified Mortgage loans for borrowers who don't meet traditional lending criteria.

• ✓ Flexible underwriting
• ✓ Alternative documentation
• ✓ Unique income situations
• ✓ Recent credit events

Reverse Mortgages

Access home equity without monthly payments for homeowners aged 62+. HECM programs available.

• ✓ Age 62+ required
• ✓ No monthly payments
• ✓ Remain in your home
• ✓ FHA-insured HECM

HELOC (Home Equity Line of Credit)

Revolving line of credit using your home equity. Draw funds as needed with flexible repayment.

• ✓ Revolving credit line
• ✓ Draw period flexibility
• ✓ Variable interest rates
• ✓ Interest-only options

Second Mortgages

Additional mortgage on your property to access equity while keeping your first mortgage intact.

• ✓ Keep existing first mortgage
• ✓ Lump sum funding
• ✓ Fixed interest rates
• ✓ Debt consolidation

Home Equity Loans

Fixed-rate lump sum loan using home equity with predictable monthly payments.

• ✓ Fixed interest rate
• ✓ Lump sum at closing
• ✓ Predictable payments
• ✓ Various terms available

Bad Credit Mortgage Loans

Mortgage options for borrowers with less-than-perfect credit. We work with all credit profiles.

• ✓ Scores as low as 500
• ✓ Recent credit events
• ✓ Credit repair guidance
• ✓ Path to better rates

Low Credit Score Home Loans

Specialized programs for low credit scores with options to rebuild credit while homeowning.

• ✓ FHA options (580+)
• ✓ Subprime programs
• ✓ Credit counseling
• ✓ Refinance opportunities later

Stated Income Loans

Alternative documentation loans where income is stated rather than fully documented.

• ✓ Limited income docs
• ✓ Self-employed friendly
• ✓ Bank statement options
• ✓ Asset-based alternatives

No Income Verification Loans

Loans that don't require traditional income documentation. Asset and DSCR-based options.

• ✓ No tax returns
• ✓ No pay stubs
• ✓ Asset depletion
• ✓ DSCR for investors

Credit Repair Referrals

We connect you with trusted credit repair professionals to improve your credit score.

• ✓ Trusted partners
• ✓ Dispute assistance
• ✓ Credit building strategies
• ✓ Path to qualification

Loan Modification Services

Help modifying existing loans to avoid foreclosure and improve affordability.

• ✓ Foreclosure prevention
• ✓ Payment reduction
• ✓ Rate modifications
• ✓ Term extensions

Pre-Qualification Services

Quick assessment of your buying power to start your home search with confidence.

Mortgage Consulting

Expert advice on loan products, rates, and strategies for your unique situation.

Rate Lock Services

Secure your interest rate and protect against market fluctuations during processing.

Down Payment Assistance

Access to grants and programs that help cover down payment and closing costs.

First-Time Homebuyer Programs

Special programs, education, and down payment assistance for first-time Arizona homebuyers.

• ✓ Down payment assistance
• ✓ Lower down payments
• ✓ Homebuyer education
• ✓ Flexible credit requirements

Self-Employed Mortgage Loans

Flexible loan options for business owners, contractors, and self-employed professionals.

• ✓ Bank statement programs
• ✓ 1099 income accepted
• ✓ Business owner friendly
• ✓ P&L statements considered

Multi-Family Property Financing

Financing for duplexes, triplexes, fourplexes and larger apartment buildings.

• ✓ 2-4 unit properties
• ✓ Rental income considered
• ✓ Owner-occupied options
• ✓ Investment financing