A conversation
Twenty minutes on the phone or at our table. No documents, no credit pull, no pressure to do anything afterwards.
Your first mortgage,
explained until it makes sense.
A small Chandler brokerage. One person handles your file, answers the phone, and shows you the math.
Questions we get asked every week
The route
From the first phone call to the day the door opens, drawn outend to end.
Nobody explains this properly, so here it is. Six stops. You always know which one you are standing on, and who to ring if it stalls.
Pre-qualification
We look at what comes in and what goes out, and tell you a price range you could carry without dreading the first of the month.
A letter you can make offers with
A pre-approval letter your agent puts in front of a seller. It says a lender has already checked your numbers.
The application
One sitting. We send a list of exactly which documents we need, and we chase the ones we can get ourselves.
Underwriting
The appraisal, the title search, and the underwriter’s questions. This is the quiet stretch, and we call you through it.
Keys
You sign at the closing table, the loan funds, and the house is yours. We are there for that part too.
Timings are typical for our own files, not a promise. Every loan moves at the speed of its slowest document.
Four folders. Yours is one of them.
We keep every file the same way: one folder, one officer, everything in it. Open the one that sounds like you.
Worked out loud
What a payment is actually made of.
Most people are told one number and never told what is inside it. Move the two handles and watch the parts move. Every figure here is an illustration, not a quote, and we have used round numbers on purpose.
$150k$900k
3.000%10.000%
Estimated total each month$3,059
- Principal and interest
- $2,150
- Property tax, set aside monthly
- $425
- Homeowner insurance, set aside monthly
- $142
- Loan amount after 20% down
- $340,000
- Interest paid over 30 years
- $434,000
Assumes 20% down, a 30 year term, property tax at 1.2% of price a year and insurance at 0.4%. Your real numbers depend on the address, your credit and the day. Nothing here is an offer to lend.
Every program we can put on the table.
Twenty of them. Most people need one. Push through and stop where something sounds like your situation.
Ten states. One office. Somebody who has driven the street.
We lend across the West and beyond, but everyone works out of one room on E Insight Wy #150, which is why you keep the same person the whole way through.
Licensed in Arizona.
Where we lend, in fullThe first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(480) 677-0644and ask for whoever is free.
