Homeownership with as little as 3.5% down!
Need an FHA Loan Closed Fast? We close our FHA loans in less than 30 Days! imortgage has Unconditional Direct Endorsement Approval from the Federal Housing Administration. This designation as a Full Eagle FHA Lender means we can originate, fund, hold, service, purchase and sell FHA-backed mortgage loans.
- Low 3.5% down payment
- Up to 6% seller consessions allowed
- Gifts allowed for down payment and closing costs
- Non-occupant co-signers are allowed
- 90-day flip waiver! We fund on homes acquired less than 90 days prior to your purchase contract
- Only 2 years from discharge of bankruptcy, and 3 years from foreclosure to qualify for FHA financing
FHA 203K
Purchase and Rehab all in one Easy Loan
FHA 203K Streamline – Purchase and Renovate All in One Loan. Same great FHA loan down payment and guidelines apply but you can add funds to your mortgage for repair/rehab. Best of all imortgage will distribute the repair funds locally – no more waiting for the investor to issue final draw!!
- Plumbing and Electrical
- HVAC Systems (heating, ventilation, air conditioning
- Roofs and Gutters
- Flooring, Paint, Appliances
- New Windows and Doors
- Energy Efficiency Updates
- Health Issues - Mold Remediation, Stabilizing or Removing Lead Paint
VA
0% Down with many special features
Proud To Be a Lender to Our Veterans
VA Endorsed lender. We Process,
Underwrite and Fund VA loans In-House
VA Endorsed lender. We Process,
Underwrite and Fund VA loans In-House
The VA Loan offers many special features
- Zero down to $417,000.00 loan. Amounts available to $750,000.00
- No Monthly Mortgage insurance keeps payments low
- Seller concessions allowed up to 4%
- VA offers assistance should the Veteran have problems making payments
Family Opportunity Mortgage
Just what you've been waiting for!
Advantages of this loan are many, including the beneficial rates of a primary residence, benefiting party may join on title, elegible for buydown rates, may include purchase or refinance.
The Family Opportunity Loan is available to:
Advantages of this loan are many, including the beneficial rates of a primary residence, benefiting party may join on title, elegible for buydown rates, may include purchase or refinance.
- Parents of College Students
- Parents of Disabled Adult Children
- Children of Elderly Parents
USDA
Zero Down !! Close in 30 Days
Affordable Housing Program. Zero Down USDA We are a delegated USDA lender. We process, underwrite and Fund In-House USDA offers some Special Features. NOTE: please call for current, designated "rural" areas
- Zero Down N
- No Monthly Mortgage Insurance keeps payment low
- No First Time Homebuyer restrictions
- Great Interest Rates
- Up to 6% seller concessions
- 100% gifting permitted for all closing cost
HomePath
Special program for Purchasing a Fannie Mae-Owned Property
We Process, Underwrite and Fund HomePath in-house. This special financing is available on Fannie Mae homes with the following logo HomePath mortgage financing benefits include:
- Low down payment, 3% down on primary residence, 10% down 2nd home and investment.
- No mortgage insurance
- No appraisal fee
- Gift money is allowed
- Eligible property types, 1-4 unit properties, planned unit developmenst and condominiums
HomePath Renovation
Available on FNMA HomePath Propertiesresidence
- Use for primary residence, second home or investment
- Mortgage and remodel all in one convenient loan
- Up to 35% of home's completed value or $35,000
- Light to moderate remodel, appliances, systems, fixtures
- Gifts and grants for downpayment are allowed
- No mortgage insurance necessary
- Seller contributions for closing costs are allowed
Conventional :
Down Payments as low as 3%
3% Down Conventional is Back! Conventional Loan A conventional loan is any loan that is not guaranteed or insured by the federal government under the Veterans Administration (VA) the Federal Housing Administration (FHA), or the Rural Housing Service (RHS) of the U.S. Department of Agriculture. Conforming Conventional Loan follows the guidelines and maximum loan amount of government sponsored enterprises (GSE’s) such as Fannie Mae or Freddie Mac Features of a Conforming Conventional
- As low as 3% Down for Primary Residence
- Finance available for Second Home’s and Investment Properties
- No mortgage insurance with 20% down
- No restrictions on 90 day flips
Foreign Nationals
Financing for Canadian Customers & Other Non-US Citizens
Financing for our Canadian Neighbors and Our Foreign National program offers financing not only for our Canadian Neighbors but any Foreign National wanting to purchase a home in Arizona Features
- No US credit required
- Only 30% Down
- Great Interest Rates (no additional adds to rate for this program)
- No extended closing times we process underwrite and fund In-House
Jumbo Loans
Loans for High Net-Worth Individuals
Competitive Rates
- Non-Agency Jumbo and Super Jumbo up to 4,000,000. We process, underwrite and fund most of our Jumbo products in-house. Due to the complexity and varying requirements of a luxury homebuyers we also have access to many protfolio lenders to make sure we can offer the best product to fit each individual situation. Features of the Jumbo Mortgage:
- Up to 80% LTV
- Primary, second, and investments
- 30-year fixed rate
