The subject of real estate financing and mortgages is a very complicated one. Long gone are the days of “You’re a good ole boy and I’ve know you and your family for a hundred years so give me 20% down and I’ll loan you money to buy a house.”

Today there are hundreds of different kinds of loans like Conventional, FHA, VA, No Docs, Stated Income, 30 year fixed, 15 year fixed, 3/1 ARM and 5/1 ARM just to name a few. And to make matters even worse, every banker has their own version of these loans with their own set of requirements and rates.

The information provided here is intended to help you begin to get an understanding of the issues involved in shopping for, qualifying for and obtaining a home loan. Issues from down payments to closing escrow are included. New information will be added regularly and we hope that you’ll return again and again to learn more about the mortgage process.

Feel free to call if you have questions or need help obtaining a home mortgage. We’re associated with some of the finest lenders in Arizona and if they can’t get it done, NO ONE can.