FHA Loans
FHA loans are government-backed loans that make homeownership accessible. They allow for lower down payments and flexible credit guidelines, providing greater buying power in Tucson's competitive market.
- Low Down Payment: Put as little as 3.5% down.
- Flexible Credit: Qualify with lower credit scores compared to conventional loans.
- Seller Contributions: Sellers can pay a portion of your closing costs.
VA Loans
VA loans are government-backed options that offer premium rates and zero-down financing options. These loans reward our nation's service members with unmatched buying conditions.
- 0% Down Payment: Purchase a home with zero down.
- No Monthly PMI: Avoid monthly private mortgage insurance costs.
- Lower Interest Rates: Usually offers lower rates than conventional.
USDA Rural Development Loans
USDA loans offer 100% financing for properties in eligible geographic areas. It is an outstanding program designed to support rural communities with affordable interest rates and low initial costs.
- Zero Down: Qualify for 100% home loan financing.
- Suburban Coverage: Many areas in Pima & Santa Cruz County qualify (e.g. Sahuarita, Vail).
- Low Fees: Affordable monthly payments compared to other programs.
Conventional Loans
Conventional loans offer strong options for buyers who want flexible property types, stable financing structures, and the ability to avoid mortgage insurance with a standard 20% down payment.
- Cancelable PMI: Eliminate private mortgage insurance when equity hits 20%.
- Higher Loan Limits: Purchase higher-value homes Conforming to guidelines.
- Primary or Secondary: Supports secondary occupancy homes and investment properties.
Reverse Mortgages (HECM)
A Reverse mortgage allows seniors to convert a portion of their home equity into tax-free cash, a line of credit, or monthly income payouts, with no required monthly principal and interest payments.
- No Monthly Payments: Eliminate monthly mortgage bills forever.
- Tax-Free Funds: Obtain additional funds to cover retirement living costs.
- Maintain Ownership: You remain the owner of the home.
DSCR Investor Loans
A Debt Service Coverage Ratio (DSCR) loan allows real estate investors to qualify for financing based solely on the rental income generated by the subject property, rather than tax returns or employment verification.
- No Income Check: No tax returns, W2s, or employment verification needed.
- Scale Fast: Close multiple loans concurrently to expand your portfolio.
- LLC Borrowing: Ability to close under LLC names for asset protection.