Financing options
The right loan, tailored to you.
Rate matters, but so do down payment, mortgage insurance, cash to close, property type and how long you plan to stay. With access to a wide network of lenders and their programs, I help you choose the one that fits. Here’s how the main programs compare.
Conventional Loans
The flexible default for well-prepared buyers.
Down payments from as little as 3% for eligible buyers, mortgage insurance that can come off, and room for primary homes, second homes and investments.
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FHA Loans
Lower down payment. More forgiving qualifying.
Government-insured financing with down payments as low as 3.5% for eligible buyers, and a loan that may be assumable by your future buyer.
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VA Loans
Earned benefits, used well.
For eligible veterans, service members and surviving spouses: no down payment with full entitlement, no monthly mortgage insurance, and a loan a future buyer may be able to assume.
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Jumbo Loans
Financing for homes above conforming limits.
For Scottsdale, Paradise Valley, Arcadia and other higher-priced markets, structured around complex income, assets and reserves.
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First-Time Buyer Financing
Your first home, without the guesswork.
A clear plan from budget to closing: down payment options, programs worth comparing and what to expect at every step.
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Investment Property Loans
Financing that fits the numbers.
Single-family rentals, 2–4 unit properties and portfolio growth, structured around cash flow, reserves and long-term strategy.
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Bank Statement & Non-QM Loans
For income that doesn’t fit a W-2.
Self-employed, business owner or non-traditional income? Bank statement and other non-QM programs can qualify you based on how you actually earn.
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Refinancing
Refinance when the math says so.
Rate-and-term, cash-out, FHA Streamline and VA IRRRL, with an honest break-even analysis before you commit.
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Assumable Mortgages
Take over a seller’s FHA, VA or USDA loan, and potentially its lower rate.
Explore assumptionsSide by side
A quick comparison
| Feature | Conventional | FHA | VA | Jumbo | Assumption |
|---|---|---|---|---|---|
| Minimum down* | 3% | 3.5% | 0% | Varies | Varies |
| Mortgage insurance | PMI if < 20% down; removable | Upfront + annual MIP | None monthly; funding fee | Usually none | Varies |
| Credit flexibility | Moderate | High | High | Lower | Set by servicer |
| Assumable later? | Generally no | Yes, with approval | Yes, with approval | Generally no | Varies |
*For eligible borrowers. General overview only; requirements vary by lender, program, property and borrower profile, and change over time.
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See what you qualify for, no pressure.
A two-minute start, a real conversation, and a clear picture of your options. No hard credit pull to get started.
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