FHA Loans in Arizona
FHA loans are a popular choice for Arizona buyers who want:
- Lower down payments
- Flexible credit requirements
- Competitive interest rates
Maritza helps FHA buyers avoid common pitfalls such as appraisal issues, HOA complications, and last-minute underwriting surprises.
FHA Loans are commonly used with lower credit qualifying borrowers and with the years of experience comes tips to make the process easier. Higher credit score borrowers also can benefit from FHA Loan as it tolerates more debt and may be a solution for more buying power.
VA Loans in Arizona
VA loans offer powerful benefits for eligible military borrowers:
- Zero down payment
- No monthly mortgage insurance
- Flexible qualification guidelines
With extensive experience serving Arizona’s military communities, Maritza ensures VA buyers fully understand and maximize their earned benefits.
Conventional Loans in Arizona
Conventional loans are ideal for buyers with:
- Strong credit profiles
- Stable income
- Long-term homeownership goals
Maritza structures conventional loans strategically to keep payments manageable and closing timelines smooth.
USDA Loans
Loan for approved Rural Areas and first time home buyers
- Zero Down Payment
- Income Limits per household
- Some of the approved areas in Southern AZ – Rio Rico, Nogales
Great program – Maritza can explore this option if these rural areas are of interest to you and you are a first-time buyer.
REVERSE Loans
Specialized loan for 62+ borrowers
- Equity Driven
- No monthly mortgage payments made
- Loan balance grows over time
Maritza can help you understand this program. Many pros to this program that can be explained in detail to see if this is a good fit for you. Reverse purchase also available.
DSCR Loans
Non-QM Loan for real estate investors
- Investment Property Purchase or Refinance Loan
- No Traditional Income Qualifying
- Property sustains mortgage payment
Ideal program for investors to purchase investment properties or cashout on current investment properties with ease.
