Branch Manager | NMLS# 1269004

Stacey Gross

With over 30 years in the real estate industry, I have committed myself to providing the best service to my clients. When going through a divorce you need to have all your options available to better understand how best to proceed. It’s important to me to offer a full suite of products and services with first class delivery and execution. I have developed systems and processes to ensure that we are thorough and helpful to all the families we service. I have found that my commitment to helping others has been the best reward.

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“

Stacey was incredibly helpful and knowledgeable in this process. She was able to answer all the questions I asked no matter the time of the day. This was my first time buying a home and Stacey made me feel very comfortable with the process.

Samuel J KMesa, AZ
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Stacey and her team are an invaluable part of any transaction they're included in. The attentiveness to detail and care to borrowers is unmatched by any other lender I've worked with. From beginning to end, I know that I will be taken care of and that the transaction will go as smoothly as it can. Even if things pop up, which let's be real they always will/do, Stacey is never afraid to be upfront, honest, and have the hard conversation in a timely, professional, and solutions-oriented way. Stacey Gross is by and far, the highest caliber of lender (and human for that matter). If you're not giving her a shot, what are you even doing?

Jake HPhoenix, AZ
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I really appreciate Stacy's candor and knowledge of the process. As we considered who we wanted to work with, her knowledge of the entire process and landscape made it clear of how outstanding she is! Look forward to working with her on the refi!

Julie L HScottsdale, AZ
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Stacey and her team are exceptional leaders in the Lending world - and my clients' always are thrilled, impressed and relieved while working alongside Stacey, and she is my go-to! Always grateful for you, Stacey, THANK YOU!

Eliza K S KScottsdale, AZ

Why Nations Lending?

We exceed client expectations with superior knowledge of the loan process and will assess the best option for you. Honesty and integrity are foundational pieces of our business. We treat our clients like family, providing insight and advice often absent in the business of buying and selling homes.

Attention to Detail

Rather than wanting to just get your business, we want to learn about our clients. Everything from understanding your needs, to what lifestyle suits you, to how you like to communicate is in our interest. This helps us create an attentive home-buying experience for you and your family.

Experience

With a team of the most experienced lenders in the market, there is no area that we cannot help you with. We will guide you and explain every step of the process from starting your application to closing your home loan. By the end of the journey, you will be the expert!

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Certifications & Awards:

Board of Directors for Arizona Mortgage Lenders Association
Board of Director for VA Real Estate Professionals
Board of Director for H.E.L.P.

See what people are saying about us:

Business Journal
NMP Magazine
Yahoo Money
Realtor.com
Bloomberg
Washington Post

Stacey is a proud supporter of HELP - who's mission is to change the cycle of homelessness through our children, provide immediate aid and comfort, promote awareness, and advance education for those who have found themselves in some form of homelessness.

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

BRANCH NMLS. 2119706 | 14350 N 87TH ST, SUITE 105 SCOTTSDALE, AZ 85260 | 888-593-1948