Loan programs
Every borrower is different. Here’s an overview of the programs we work with most. Patrick will help you compare the ones that fit your goals.
Conventional financing is the most popular financing type. These loans are underwritten to Fannie Mae or Freddie Mac guidelines and can be used to purchase a primary residence, vacation home, or investment property.
FHA loans are insured by the Federal Housing Administration, part of the U.S. Department of Housing and Urban Development (HUD). They are ideal for many first-time home buyers because of their flexible credit and down payment guidelines.
Great options for our nation’s Veterans. Loans guaranteed by the U.S. Department of Veterans Affairs help eligible Veterans, active-duty service members, and certain surviving spouses purchase or refinance a primary home, with flexible down payment options and no monthly mortgage insurance.
USDA Rural Development guaranteed loans help eligible buyers purchase a primary home in designated rural and some suburban areas. Eligibility depends on the property location and household income limits.
Buying your first home? We’ll walk you through the process and the programs available to you. Several down payment assistance options can help limit your out-of-pocket funds for qualified buyers.
A refinance replaces your current mortgage with a new one. Homeowners refinance to change their rate or term, move from an adjustable to a fixed rate, remove mortgage insurance, or take cash out of their equity. We’ll help you weigh the costs against the potential benefits.
Jumbo loans are for loan amounts above the conforming loan limits set by the Federal Housing Finance Agency. They’re often used for higher-priced homes in areas like Scottsdale, Paradise Valley, and Fountain Hills.
From home equity lines of credit to home equity loans. Tapping your home’s equity can help fund renovations, consolidate debt, or cover other major expenses while you keep your existing first mortgage.
Program descriptions are general information, not an offer to lend or a commitment to lend. All loans are subject to credit approval, underwriting, property eligibility, and program guidelines. Not all applicants will qualify, and not all programs are available in all states. Terms, fees, and availability are subject to change without notice. Contact Patrick for details about your specific situation.
Start with a free, no-obligation mortgage review. Patrick will look at your goals, credit, and the property you have in mind, then lay out your options side by side.
Free, no-obligation mortgage review
Start your application online in minutes, or call Patrick to talk through your options first.
