Home Loans Built for Borrowers, tailored to each individual scenario.

Loan Programs Offered

FHA Loans

Ideal for first-time buyers and those needing flexible credit and down payment options.

VA Loans

Specialized guidance for active-duty military, veterans, and eligible spouses — zero-down and no mortgage insurance.

Conventional Loans

Competitive solutions for buyers with stronger credit and stable income.

USDA Loans

100% financing for homes in USDA approved rural areas – for first time homebuyers.

REVERSE Loans

For borrowers 62+ – this mortgage can free you up of mortgage payments or if home is paid obtain tax-fee income to pay bills, supplement income or more.

DSCR Loans

A Debt Service Coverage Ratio (DSCR) loan is a non-qualified mortgage (Non-QM) for real estate investors that qualifies based on a property’s rental income rather than personal income.

Not sure which loan is right for you? Maritza will help you choose and educate you so you make your choice with confidence

About Us

With over 28 years of mortgage experience, Maritza Negrete helps Arizona homebuyers navigate FHA, VA, USDA, REVERSE and Conventional loans with clarity, honesty, and care. Her philosophy is simple: when borrowers win with better rates and smoother closings, everyone benefits.
Maritza proudly serves buyers across Arizona, with a strong focus on first-time homebuyers, military families, and move-up buyers earning $80,000+ household income.

Why Choose Us

28 Years of Experience
Arizona lending guidelines, underwriting nuances, and local market challenges — handled with confidence.
Borrower-First Pricing Philosophy
Maritza chooses volume over margins, helping borrowers access more competitive interest rates.
Clear, Honest Guidance
No pressure. No confusion. Just straightforward answers and smart strategies.
Strategy to Buy
Need to work on credit to qualify in 6-12 months , want to use equity to invest in another property or consolidate debt – Maritza can provide a game plan to achieve your goals.
Get a Free Consultation

Our Mission

We believe that securing a mortgage should be straightforward and accessible for everyone. Thats why we use cutting-edge technology and expert insights to empower you with the best financing solutions.

Additional Assistance

Need guidance? I am here to help!

[Get a Free Consultation] - Speak with an expert for personalized advice.

How It Works

We believe that finding the right mortgage should be simple, transparent, and stress-free. Whether youre a first-time home buyer, a seasoned homeowner, or looking to refinance, were here to help you navigate the complex world of mortgages with confidence.

Step 1: Contact us

Enter your details below or
Click on this link to apply on-line: Online Application >

Step 2: Schedule a FREE Telephone Appointment

Upon receiving your request, we will contact you to schedule a mortgage consultation.

Step 3: Review your mortgage options

After reviewing your needs, studying income and credit obligations, we will provide you with
loan programs and rates that best suits your needs.

Use our Mortgage Calculator to estimate your monthly mortgage payments based on loan amount, interest rate, and loan term. Get insights into your total interest paid and an amortization breakdown to make informed financial decisions.

Find Your Best Mortgage Offer

Loan Amount ($)

Mortgage Type

Max Interest Rate (%)

Loan Term

"The process was seamless! I found the best mortgage rate in minutes and saved thousands on my loan. Highly recommend!"

Jason Follansbee

Homeowners

"The process was seamless! I found the best mortgage rate in minutes and saved thousands on my loan. Highly recommend!"

Angela Ortega

Marketing Specialist

"The process was seamless! I found the best mortgage rate in minutes and saved thousands on my loan. Highly recommend!"

Mark Gilbertson

Senior Consultant

Frequently Asked Questions

01. How long does the home-buying process take?

The process typically takes 30-45 days after an offer is accepted, depending on financing, inspections, and negotiations.

02. How much do I need for a down payment?

Down payment requirements vary by loan type and range from 0%, 3%, 3.5% , 5% to 20% and above.

03. What credit score do I need to buy a home?

FHA loans allow credit scores of 580 and greater. Credit approval is based on meeting credit, income and other financial requirements. While also meeting underwriting approval.

04. How do I determine the right price for my home?

Once your prequalification is completed, we will determine Maximum Purchase Price.

05. Is home ownership a good investment?

Home ownership is considered one of the best long-term investments that a family can make. Doing so will allow you to build equity, potential appreciation, while providing you with tax deductions for mortgage interest and property taxes.

06. What's the first step to buying a home?

The first step in buying a home is determining how much home you can afford. To do so, one must evaluate finances, income and debt. Credit history as well as current credit scores will also be factors in determining home loan availability. By going through the prequalification process we will come up with a complete game plan to lead you to homeownership.

07. What's the first step to buying or selling?

The process typically takes 30-45 days after an offer is accepted, depending on financing, inspections, and negotiations.