Loan programs
Every path to the closing table.
Choose a program to open a short guided journey. Each one ends with an estimated payment and a document checklist.
Purchase
Buy your next home with a fast, credible pre-approval.
- • Reviewed pre-approval
- • Wholesale pricing
- • Offer-ready letters
Refinance
Lower your rate, shorten your term, drop mortgage insurance.
- • Rate & term analysis
- • Break-even math
- • No-cost options
Cash-Out
Turn equity into renovation money, debt payoff, or reserves.
- • Up to 80% LTV
- • Debt consolidation
- • Fast appraisals
VA Loan
$0 down, no mortgage insurance, earned benefits honored.
- • $0 down financing
- • No monthly MI
- • Funding fee guidance
FHA
Flexible credit and as little as 3.5% down.
- • 3.5% down
- • Credit-friendly
- • Gift funds allowed
Conventional
The classic loan, priced sharply through wholesale lenders.
- • 3% down options
- • Removable PMI
- • Best-in-class pricing
USDA
Zero-down financing in eligible Arizona communities.
- • $0 down
- • Low guarantee fee
- • Eligibility check
Jumbo
Financing above conforming limits with white-glove handling.
- • Loans to $3M+
- • Interest-only options
- • Asset depletion
Investment
DSCR and conventional financing for rental portfolios.
- • DSCR programs
- • No income docs
- • LLC vesting
Second Home
Vacation and seasonal properties across Arizona.
- • 10% down options
- • Second-home pricing
- • Flagstaff to Sedona
HELOC
A flexible line of credit behind your low first mortgage.
- • Draw as needed
- • Fast closings
- • Interest-only draws
Construction
One-time close financing for building or major renovations.
- • One-time close
- • Draw management
- • Renovation loans
Let's get you to the closing table.
Start your application online at your own pace, or talk to a licensed advisor first. Either way, your next step stays clear.