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Loan programs, in plain language
300+ lenders compete for the file. If there’s a program that fits what you need, I’ll find it. Here are a few to start with.
Conventional
A regular first mortgage when the file is straightforward. No government backing. A solid purchase or refinance.
Open ConventionalFHA
A good fit when a lower down payment or credit is part of the story. I’m happy to walk through whether it helps.
Open FHAVA
For eligible veterans, active duty, and some surviving spouses. We start with the Certificate of Eligibility.
Open VAJumbo
For loan amounts above the conforming limit in that county. Same process. The file just has to support a larger number.
Open JumboRenovation
Buy or refinance and fold the rehab into one mortgage, so the work is part of the loan.
Open RenovationDSCR
For rentals. The property’s rent is what the loan looks at, not a rebuilt W-2 story.
Open DSCRHELOC
A home equity line on a house you’re keeping. Approval can be done in 5 minutes. Funds in as little as 5 days. The first mortgage stays.
Open HELOCCash-out
Pull equity or roll other debt into a new first mortgage. Different tool than a HELOC, and I’ll tell you which one fits.
Open Cash-outReverse
For homeowners who want to use equity and stay in the house.
Open ReverseMore programs
Bank statement, construction, USDA, and the rest.
Open More programs
Office, hours, and how to reach me
Corporate office
5559 S Sossaman Rd, Bldg 1 Ste 101
Mesa, AZ 85212
Hours
- Monday–Thursday 8:00 AM–7:00 PM
- Friday 8:00 AM–6:00 PM
- Saturday 9:00 AM–5:00 PM
- Sunday 11:00 AM–5:00 PM