With its thriving economy and beautiful year-round climate, Arizona is an incredible place to call home. But in order to buy a home in Arizona, you need the right mortgage.
Desert Springs Mortgage helps homebuyers in Phoenix and throughout the state of Arizona to move quickly and affordably into new homes. We also work with customers in California, Colorado, Oregon and Washington.
So, wherever you are located and are looking to settle down, we would love to connect you with the mortgage to make it happen.
With our network of more than 45 lenders, we have a type of mortgage which is suitable for every need.
If you need to borrow an amount within the Fannie Mae and Freddie Mac conforming loan guidelines, a conventional mortgage could be right for you. Down payment start as low as 3%.Learn More
If you are shopping for home as a veteran, active duty service member or eligible surviving spouse, you may be able to move into a new home with zero down with the help of a VA mortgage insured by the US Department of Veterans Affairs.Learn More
If you want to purchase a fixer upper, you can finance both the home purchase and the cost of repairs using an FHA 203k loan.Learn More
All of the states we serve include rural areas where you may qualify to purchase a home with a USDA loan insured by the US Department of Agriculture. Depending on your eligibility, you might be able to move in with zero down.Learn More
A number of factors impact your eligibility for different types of mortgages as well as what types of loans may be most suitable to your needs.
Your credit score, debt-to-income (DTI) ratio, income, and financial history are all taken into consideration when determining your eligibility for different types of loans. For VA mortgages, your service record is also a factor.
Further, you need to ask yourself questions to figure out what type of mortgage will help you to achieve your goals as a homeowner.
Do you plan to stay in your new home for just a few years, or a few decades? How much can you afford to put down on a home? What kind of financial liquidity do you require in the coming years?
During your consultation, we can walk you through these and other questions to help you determine what type of mortgage will be a fit for your needs. We can also go over your qualifications in detail and let you know what you are eligible for.
Desert Springs Mortgage, LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.