Mortgage Loan Programs in Arizona

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Conventional VS FHA Loans

Do you know the difference between conventional home financing and FHA loan programs? Before pursuing financing, it’s important to understand the advantages and disadvantages of both conventional and FHA financing.

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FHA Home Loans

Are you planning to apply for an FHA home loan? If so, you will want to understand how the newer mortgage insurance cancelation rules may apply to your new mortgage. It’s also important to understand that with an Arizona FHA loan, if you have less than 10 percent down, you will need to pay the mortgage insurance premiums through the entire duration of your loan term.

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Conventional Home Loans

You may have heard the term “conventional” used in conjunction with home mortgage programs. This mortgage term is used to identify loans that conform to standards set forth by Freddie Mac or Fannie Mae.

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VA Loans

A VA, or Veterans Administration Loan, is a home loan guaranteed by the Veterans Administration. This means the VA guarantees the lender will be paid, even if the buyer defaults on the loan.

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Reverse Mortgage

Have you ever wondered how a Reverse Mortgage in Arizona works? Reverse Mortgage programs have been gaining in popularity across the country.

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Jumbo Loans

If you require a home mortgage that surpasses the maximum conforming limit of $453,100, a Jumbo Loan may fit your needs. A Jumbo Loan is a specific type of non-conforming home loan.

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FHA Streamline Refinance

Since 2012, lower mortgage insurance for FHA Streamline Refinances have allowed millions of FHA borrowers to enjoy lower interest rates. Could you become one of them?

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Refinancing

If you are in better financial position today to enjoy a lower interest rate than you were at the time you purchased your home, then refinancing may be for you. Refinancing can also allow you to lower your monthly mortgage payment or cash out some of the equity in your home to meet other needs.

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First Time Home Buyer

Buying a house is a monumental life decision, especially if you are a first-time home buyer. Understanding what steps to take prior to launching your house hunt can help ensure you avoid the many costly and time-consuming pitfalls that can befall prospective buyers on the way to first-time home ownership.

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HARP Refinance Program

The HARP program has been extended to December 31, 2018. HARP Arizona loans, sometimes referred to as HARP 2 refinance loans, are still available for homeowners.

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Private Money Lender

For prospective home buyers who are finding it difficult to get approved for FHA, Conventional , VA, Jumbo or other loan programs because their income is difficult to verify or otherwise does not meet these program guidelines, Private Money Lending may be an option. Matching you with a Private Money Lender may pave the way for home ownership where you thought there was no hope.

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