Branch Manager | nmls. 5555

Sarah National

My services are mastered to achieve my client’s desired goals. I work with you one on one to ensure our plan is aligned and fully communicated. I combine my many years of experience with my post graduate education and certification to elevate the level of your mortgage lending experience. I take a consultative approach to the home loan process. I make sure we explore all available options to maximize my client’s benefit. I believe that each person is unique and needs to be serviced accordingly. I make sure that the element of ambiguity is eliminated throughout the process.

(480) 555-5555  | [email protected]
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Mo has been reliable and communicative during the entire process. His transparency and honesty throughout the process are greatly appreciated. He takes the time to go over all options to determine the best outlook for my clients.

Mary A.Phoenix, AZ
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It was great Mo just explained everything to me answered all my questions treated me and my wife like family great to work with.

Darweesh APhoenix, AZ
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Your entire team is comprised of great people with next level customer service skills. We were impressed with the comprehensive communication and attention to detail displayed throughout each stage of the process and never felt as if we were just another loan. Thank you!

Neil A LPhoenix, AZ
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Mo was very attentive and answered my questions in a timely manner. He guided me through the process to make it easier for me. Thank you!

Emily E AFountain Hills, AZ
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Mo was willing always to work with me, and guide me through this process to get the best deal possible and keep me informed.

Jac CPheonix, AZ
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Mo is a veteran in the mortgage space in the AZ market, he works in his client's best interests (both short-term and long-term), and he's great at explaining the mortgage process using simple, direct language.

Neil M LGlendale, AZ
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Proactivity in answering my questions, and doing more than just the bare minimum to help me out.

Ouse SGilbert, AZ

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Loan Types

FHA

Details

FHA loans are designed with the first-time home buyer in mind. It allows for little money down, lower closing costs, and an easy-to-meet credit score requirement.
It makes for the perfect type of loan to meet the needs of buyers from all walks of life.

FHA Loans Offer:
• Minimum down payment of only 3.5%
• Credit score as low as 500*
• Flexible debt-to-income ratios
• 100% of down payment and closing costs can be a gift
• Flexible reserve requirements
• Up to 6% seller contributions towards closing costs and pre-paid items

We Offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
• Streamline refinance
• 203(h) - Mortgage Insurance for Disaster Victims

FHA

1st Time Buyer

Details

We help everyone with their housing goals, including the all important First-time homebuyer. Highlights and benefits for these first-timers are riddled throughout our product array, and they include:
We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products

1st Time Buyers

Conventional

Details

We are an approved Fannie Mae and Freddie Mac seller and offer the best fixed and adjustable-rate loans for your home buying needs. As long as you meet the minimum requirements with down payment and credit score, we can help you secure the home of your dreams today!
We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing

Conventional

Jumbo

Details

Our jumbo loans are a solution for borrowers who want to go big with the dream of primary homeownership, as well as securing a 2nd or vacation home.
This jumbo loan product also supports a lower-than-industry average required down payment -perfect for those buyers who want to keep more cash in the bank – with all the benefits exceeding those of a conforming loan.

We Offer:
• Purchase, no cash-out refinance and cash-out refinance
• All occupancy types
• Loans to $2M
• Jumbo AUS
• Non-Warrantable Condos
• No Mortgage Insurance
• First-time homebuyers permitted
• Blended ratios

Jumbo

VA

Details

VA home loans are offered to our country’s bravest men and women. No one knows the comfort of their home more than those who served and that’s why we’re proud to offer loans to our nation’s heroes.
Find the perfect place to kick off your boots with 100% financing available or explore interest rate reductions or cash out refinance options.

We Offer:
• Purchase loan
• Cash-out refinancing
• Interest Rate Reduction Refinance Loan (IRRRL)

VA

USDA

Details

Get a home loan with up to 100% financing
Whether you are an experienced or a first-time homebuyer, you may be able to qualify for a USDA home loan with no money down! These government backed loans are perfect for families and individuals interested in purchasing homes in rural communities. Ask your personal mortgage advisor if this is the right loan for you!

We Offer:
• Purchase
• No cash-out refinance
• Streamline Refinance
• Simple Refinance

USDA

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