(480) 626-2202
team@tobiasteam.com
2325 E. Camelback Road #100
Phoenix, AZ 85016
Arizona's #1 FHA Lender (2014)
NMLS #221602 | FIMC NMLS #2289
This product offers 100% Financing for qualified buyers as long as they fit into a geographic and income bracket In order to be eligible for many USDA (United States Department of Agriculture) loans, household income must meet certain guidelines. Also, the home to be purchased must be located in an eligible rural area as defined by USDA. To search for eligible property locations go to the following link here and click the “accept” button:
Unique features of this loan are:
Apply Now
or call us at (480) 626-2202 with any questions
Rate and Term (no cash-out) refinance of existing Fannie Mae owned loan delivered to Fannie Mae prior to June 1, 2009. In addition to DU/DO validating eligibility, Fannie Mae also provides a lookup tool to help identify eligible properties:http://loanlookup.fanniemae.com/loanlookup/
Owner Occupied, Second homes and Investment properties are permitted.
New loan must provide a benefit to the borrower in the form of a reduced P&I payment of at least 5% or more stable program (i.e. Arm to Fixed, Reduced Term, Taking out of Balloon or Interest Only)
A borrower may be removed or added from the new loan subject to additional requirements
In some cases NO Appraisal required!
Unlimited Loan-to-Value on Primary residences, 125% Loan-to-Value on 2nd Homes, 105% on Investment Properties
Must have no 30 day lates onthe mortgage being refinance within past 6 months
Apply Now
or call us at (480) 626-2202 with any questions
Apply Now
or call us at (480) 626-2202 with any questions
Are you currently in an FHA loan? You have the ability to refinance NOW when rates are at an all-time low!!
All we verify is that you’ve paid your FHA loan on time!
Example savings: On a loan with a balance of $165,000 at 6.50%, you could potentially have a monthly savings of $140!! On top of that, over the life of your loan, a possible savings of $56,587!!
Sound too good to be true? It’s not – we’re closing these loans in less than 10 BUSINESS DAYS!!
Call us TODAY while rates are at an all-time low!
Apply Now
or call us at (480) 626-2202 with any questions
VA home loans are to help veterans finance the purchase of homes with favorable loan terms. There are members of the Selected Reserve, active duty personnel and certain categories of spouses that may also be eligible for VA loan financing. You will need to provide a Certificate of Eligibility from VA to prove to the lender that you are eligible for a VA loan.
VA loans offer many benefits for the veteran:
There are some other benefits that you may want to check on. A great resource for any questions regarding eligibility and all benefits can be found here.
VA loans are unique and have features that only apply to them. VA-guaranteed loans are made by lenders (banks, savings and loans or other mortgage companies). If the loan is approved, VA guarantees the loan when it is closed. The guaranty means the lender is protected against loss if you fail to repay the loan. The guaranty amount does vary depending on the sales price of the home but generally goes up to a max of $36,000.
VA loans are for primary residence only and require full documentation for qualifying. VA loans also do not have any monthly mortgage insurance but they do have a funding fee. The funding fee is a percentage of your loan amount that is generally financed into your loan. The funding fee does vary depending on which type of service you were classified as (regular military or reserves/ National Guard). Money for down payment can also lower the amount of the funding fee. Veterans that are disabled may also be exempt from paying the funding fee.
Apply Now
or call us at (480) 626-2202 with any questions
Apply Now
or call us at (480) 626-2202 with any questions
Apply Now
or call us at (480) 626-2202 with any questions