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Arizona Loan Programs

In search of a mortgage that fits best with your life? The Arizona Mortgage Pros are committed to ensuring you’re lined up with a loan package that works best for you and your requirements. We will provide you with a plethora of loans, including but not limited to these common possibilities:

USDA Loans– These are specially designed to assist those in low to moderate-income households get funding to buy a residence. The loan has a zero down payment mortgage and is eligible for suburban and rural homebuyers. These loans are given through the USDA loan program the USDA Rural Development that was created by the U.S. Department of Agriculture. 

Conventional Loans– These are the most popular loans when it comes to a home mortgage. They are typically offered and funded by non-government agencies. They are not insured or guaranteed by the federal government.

Conforming Loans– These loans are just like the conventional loans only that they meet particular criteria that are set by Freddie Mac and Fannie Mae. As long as you’re within the loan limit and meet the requirements, this loan is easier to qualify for and have some of the best interest rates and have some flexibility with your credit score. 

FHA Loans– These are loans that are given by lenders and approved by the Federal Housing Administration. Some main popular attributes of these loans are that they are easy to apply for as they have low down payments, low-interest rates, and are easy to qualify for. They are, therefore, an ideal option to first home buyers.

Jumbo Loans– Just as the name suggests, jumbo loans are best suited for individuals looks to buy a particularly-expensive property. These loans normally exceed the limits that are set by the Federal Housing Finance Agency. Unlike conventional loans, the jumbo loans are not eligible to be guaranteed, securitized, or purchased by Fannie Mae or Freddie Mac. They are usually issued by private lenders where the loans are often held as investments. 

V.A. Loans– This is one of the best loan options in the market. It is specially offered to American veterans where they can purchase homes with fantastic competitive rates and without a down payment. The loan is usually guaranteed by the U.S. Department of Veteran Affairs, VA. In order to qualify, the veterans, spouses, and service members must meet one of the following criteria: You have had six years of service in the National or Reserve Guard, You have served 90 days of service during the time of war, and you have served 181 days of service during the time of peace. This loan is ideal since they do not have repayment penalties, no monthly mortgage insurance premiums, and have lower average interest rates compared to other investments.