Mortgage Lender in Arizona

Integrity:

We conduct our business with honesty and transparency, building trust with our clients.

Customer Focus:

We prioritize our clients' needs and strive to provide exceptional service throughout the entire loan process.

Expertise:

Our team possesses extensive knowledge of the mortgage industry and the Idaho housing market.

Innovation:

We leverage technology and innovative solutions to streamline the mortgage process and enhance the client experience.

Community:

We are committed to supporting the communities we serve through local partnerships and initiatives.

Home Purchase Loans:

Whether you're a first-time homebuyer or a seasoned homeowner, we offer various loan programs to help you purchase your dream home in Idaho.

Home Purchase Loans:

Whether you're a first-time homebuyer or a seasoned homeowner, we offer various loan programs to help you purchase your dream home in Idaho.

Refinance Loans:

Lower your monthly payments, shorten your loan term, or access your home equity with our refinance options.

Non-QM Loans:

We provide specialized loan programs for self-employed individuals, real estate investors, and those with unique financial situations.

Government-Backed Loans:

We offer FHA, VA, and USDA loans to make homeownership more accessible to eligible borrowers.

Other Loan Programs:

We also offer jumbo loans, renovation loans, and investment property loans to meet diverse needs.

Mortgage Calculator:

Estimate your monthly mortgage payments and affordability.

Rate Checker:

Stay up-to-date on current mortgage rates in Idaho.

Loan Application:

Apply for a mortgage online at your convenience.

Educational Resources:

Access articles, guides, and FAQs to learn more about the mortgage process.

Self-Employed Individuals:

Those who have fluctuating income or difficulty documenting their income through traditional methods.

Real Estate Investors:

Investors who may have multiple properties or rely on rental income for qualification.

Foreign Nationals:

Non-U.S. citizens who may not have a U.S. credit history.

High-Net-Worth Individuals:

Borrowers with significant assets who may not rely on traditional income sources.

1099 Loans:

Ideal for freelancers, independent contractors, and self-employed individuals who use 1099s to report their income.

Bank Statement Loans:

Utilize bank statements to verify income, providing flexibility for those with non-traditional income sources.

Asset Depletion Loans:

Qualify based on your liquid assets, ideal for retirees or high-net-worth individuals with significant assets.

DSCR Loans:

Designed for real estate investors, qualifying based on the property's rental income.

Bridge Loans:

A short-term financing solution to help bridge the gap between selling your current home and purchasing a new one.

Higher Interest Rates:

Non-QM loans may have higher interest rates than qualified mortgages due to the increased risk associated with non-traditional borrowers.

Documentation Requirements:

Non-QM loans may require more extensive documentation to verify income and assets.

Loan Terms:

Non-QM loans may have different loan terms and conditions compared to qualified mortgages.

1099 Loans

Loans for self-employed individuals, using 1099 income for qualification.

Asset Depletion Loan

Qualify based on liquid assets instead of income, ideal for high net-worth borrowers.

Bank Statement Loans

Use bank statements to verify income, perfect for self-employed individuals.

DSCR Loans

Designed for real estate investors, qualifying based on rental income covering the mortgage.

Bridge Loans

Short-term loans to help you transition between properties or manage immediate needs.

P&L Loans

Qualify with profit and loss statements, great for self-employed borrowers.

Foreign National Loans

Mortgages for non-U.S. residents, no U.S. credit history required.

Investor Cash Flow Loans

For property investors, qualifying is based on the cash flow of the rental property.

ITIN Loans

Mortgages for borrowers with an ITIN, helping non-residents purchase homes.

Jumbo Non-QM-Loans

Loans exceeding conventional limits, tailored for unique financial profiles.

No Ratio Loans

No income verification is required, ideal for borrowers with substantial assets.

Interest Only Non-QM Loans

Make interest-only payments for a set period, perfect for cash flow management.

Rate-and-Term Refinance:

Secure a lower interest rate or change your loan term to reduce your monthly payments or pay off your mortgage faster.

Cash-Out Refinance:

Access your home equity to fund renovations, consolidate debt, or finance other expenses.

Competitive Rates:

We offer competitive interest rates on refinance loans.

Streamlined Process:

We make the refinancing process as smooth and efficient as possible.

Expert Guidance:

Our loan officers provide personalized guidance to help you choose the best refinance option for your needs.

FHA

Lower Monthly Payments: Refinancing to a lower interest rate can significantly reduce your monthly mortgage payments.

Pay Off Your Mortgage Faster:

Switching to a shorter loan term can help you pay off your mortgage sooner.

Access Home Equity:

Cash-out refinancing allows you to access your home equity for various purposes.

Conventional Loans:

A popular choice for those with strong credit and a down payment of at least 3%.

FHA Loans:

A great option for first-time homebuyers or those with less-than-perfect credit, requiring a lower down payment and offering more lenient credit guidelines.

VA Loans:

A valuable benefit for eligible veterans and active-duty military personnel in Idaho, offering zero down payment options and competitive interest rates.

USDA Loans:

Designed for homebuyers in eligible rural areas of Idaho, offering no down payment and flexible credit guidelines.

Idaho Housing and Finance Association (IHFA):

The IHFA offers various down payment assistance programs, including grants and loans, to eligible homebuyers.

Local Government Programs:

Many cities and counties in Idaho offer their own down payment assistance programs. Check with your local housing authority or government website for available options.

FHA Loans:

Insured by the Federal Housing Administration, these loans require a lower down payment and have more lenient credit requirements.

VA Loans:

Guaranteed by the Department of Veterans Affairs, these loans offer significant benefits for eligible veterans and their families.

USDA Loans:

Backed by the U.S. Department of Agriculture, these loans provide zero down payment options for eligible rural homebuyers.

FHA Loans:

These loans are insured by the Federal Housing Administration and are a popular choice for first-time homebuyers and those with less-than-perfect credit.

VA Loans:

These loans are guaranteed by the Department of Veterans Affairs and offer favorable terms to eligible veterans and active-duty military personnel.

USDA Loans:

These loans are backed by the U.S. Department of Agriculture and are designed for homebuyers in eligible rural areas.

Lower Down Payment Requirements:

Government-backed loans often require lower down payments than conventional loans.

Flexible Credit Guidelines:

These loans may have more lenient credit score requirements.

Competitive Interest Rates:

Government-backed loans typically offer competitive interest rates.

Jumbo Loans:

For high-value properties that exceed conforming loan limits, we offer jumbo loans with competitive rates and terms.

Renovation Loans:

Combine your home purchase or refinance with renovation costs into a single loan, streamlining the process of updating your home.

Investment Property Loans:

Expand your real estate portfolio with financing options for investment properties in Idaho.