Loan programs

Find the Arizona home loan that fits you.

Pick what you're looking to do. I'll help you sort out the best fit.

Choose a category

Most popular

Conventional loans

Fixed-rate and adjustable financing backed by Fannie Mae and Freddie Mac.

  • Primary homes, second homes and rentals
  • Mortgage insurance can be avoided or removed
  • Best for borrowers with solid credit
Apply nowConventional calculator

Veterans

VA loans

Home financing for eligible veterans, service members and surviving spouses.

  • No monthly mortgage insurance
  • Purchase and refinance options
  • Best for those with VA eligibility
Apply nowHow VA loans work

Rural and suburban

USDA loans

Financing for eligible homes in qualifying rural and suburban areas.

  • Property location rules apply
  • Household income limits apply
  • Best for buyers outside city centers
Apply now

High balance

Jumbo loans

Financing for loan amounts above conforming limits.

  • Fixed and adjustable options
  • Primary and second homes
  • Best for higher-priced homes
Apply now

First-time buyers

Down payment assistance

Programs that can help with your down payment and closing costs.

  • Pairs with FHA, VA and conventional loans
  • Income and location rules may apply
  • I'll walk you through every step
Apply now

Refinance

Rate and term refinance

Change your rate, your term or both.

  • Work toward a lower payment
  • Shorten your loan term
  • Move from adjustable to fixed
Apply nowRefinance calculator

Refinance

Cash-out refinance

Turn home equity into cash with one new mortgage.

  • Home improvements
  • Debt consolidation
  • One monthly payment
Apply nowCash-out calculator

Tap your equity

HELOC

Borrow against your home's equity while your current mortgage stays in place.

  • Keep your first mortgage
  • Home improvements or higher-interest debt
  • Checking your offer won't affect your credit score
See how a HELOC works

Self-employed

Bank statement loans

Qualify using bank statements instead of tax returns.

  • Built for business owners
  • Good when write-offs lower taxable income
  • Non-QM guidelines apply
Apply now

Build and renovate

Construction and renovation

Finance a new build or roll repairs into your mortgage.

  • One-time close options
  • FHA 203(k) renovation loans
  • Best for fixer-uppers and custom builds
Apply now

Not sure which one fits?

Tell me what you're trying to do, and I'll point you in the right direction.

Book a time with me