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Information provided on this page for:

Mortgage Calculator

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Home Affordability

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Mortgage Information

HomeSmart Real Estate
Jeffrey Masich, Associate Broker and REALTOR® with "HomeSmart®, the #1 Real Estate Broker in Residential Sales in Phoenix AZ metro"...Phoenix Business Journal.
HomeSmart Jeffrey Masich
HomeSmart Real Estate
Mortgage Rates
Mortgage Information (follows)
No and Low Down Payments (follows)
Mortgage Lenders (follows)
Free Grants (Down Payment and/or closing cost assistance)

Jeff Masich Mortgage in Arizona
Jeffrey Masich says, "Current mortgage interest rates make purchasing a home more affordable right now. Try putting the current rates into the mortgage calculator to figure an approximate monthly payment."
National Mortgage Rate Trending
For Current National Mortgage Rate Averages click the keys

Jeffrey Masich, Realtor discusses qualifying for a mortgage to purchase a home and free grants that may be available.


Free grants home buyers
Click Uncle Sam to find out about free government home buyer grants and down payment and/or closing cost assistance and low down payment programs
Mortgage Loans in Arizona

FHA Loans 3.5% Down Federal Housing Administration

VA Loans 0% Down Veterans Administration

Fannie Mae HomePath Loans 3% Down, No PMI, No Bank Appraisal, Closing Costs may be covered

USDA Loans 0% Down from US Department of Agriculture for modest homes in rural areas (see link for eligible areas)

Arizona Hard Money Loans Home Loans for those with Poor Credit, Renovation Loans, Bridge Loans and more

Home in Five Free Grant for home purchases in Maricopa County 

Home Plus Free Grant for Home Purchases 

Free Grants for Down Payment Assistance for Minority and Native American low income families

Types of Loans

Mortgage Loan Process

Mortgages for Canadians and Foreign Nationals

Mortgage Glossary

Mortgage Definitions and Topics Resource


Mortgage calculator and Home Affordability Calculator
Home buyers can use this mortgage calculator to determine their monthly payments at various interest rates.
Use this Mortgage Calculator to figure the cost of your mortgage loan at various interest rates and terms.

Mortgage Calculator


Balloon Mortgage Calculator




Home Affordability Calculator


Use this Home Affordability Calculator to figure the monthly payments and affordability of your new home. This calculator adds in some other standard home purchase costs and common monthly expenses such as:

Closing costs
Property taxes
Private Mortgage Insurance (PMI)
Hazard insurance
Estimate of monthly expenses as a percentage 

Click here for Home Affordability Calculator 

Note: when estimating your monthly expenses consider:

Electricity
Gas
Water/ Refuse collection
Cable
Landscaping
Pool


"Seller May Carry" Homes fo Sale in Arizona: See seller carry financing homes for sale in Arizona. Edit this actual MLS search by city, home features or map. Can't qualify for a loan? The sellers may carry the mortgage on these homes with a down payment.

Mortgage Loans for Special Needs (Note: Each mortgage lender services most types of loans)


Feel free to use your own lender or ask Jeff Masich for a lender to meet your needs. A " Pre-Qualification Form ", if using a mortgage loan for a home purchase, is needed in Arizona to present a purchase contract to a seller.

Most lenders will do FHA, VA, USDA, and Conventional Loans. Many will work with the Home in Five free granwww.cmgfi.comt while it is still avaliable.


All Loans

Bobbie Ruth
CMG Financial
NMLS# 197127
Office: 602.850.7548
eFax: 480.320.4088
Bobbie.Ruth@cmgfi.com
7047 E Greenway Parkway, Suite #180
Scottsdale, AZ 85254
Branch NMLS# 1646074
www.cmgfi.com

FHA, VA, USDA and Conventional Loans

Arthur Brison II
Branch Manager/Loan Originator
NMLS 222864
Cherry Creek Mortgage
100 S Kyrene Rd Ste 1
Chandler, AZ 85226
c: 480.378.6175
f: 480.378.6175
abrison@ccmclending.com
Navy Veteran & Veteran Advocate
www.CherryCreekChandler.com


All Loans including Home In Five Free Grants

Tyson Barry
Loan Officer | NMLS: 384649
Academy Mortgage
1750 East Northrop Blvd. Ste 230
Chandler, AZ 85286
(480) 246-3680 - Office
tyson.barry@AcademyMortgage.com
www.AcademyMortgage.com/tysonbarry
LO State Lic: AZ 0918217 
Corp NMLS: 3113 | Corp State Lic AZ #BK-0904081

VA, FHA, USDA, Conventional Loans:

Brent Sullivan
Sr. Loan Officer
Homeowner's Financial Group
16427 N Scottsdale Road, Suite 145
Scottsdale, AZ 85254
480.620.7300 (Direct)
480.422.4499 (Fax)
Brent@mortgagemind.com
www.mortgagemind.com
BK #0906222 NMLS #225904


VA, FHA, USDA, Conventional Loans:

Anthony Cappello
Sr. Loan Officer
Primary Residential Mortgage
14500 N. Northsight Blvd. Suite 300
Scottsdale, AZ 85260
480.448.2021 (Direct)
480.882.0840 (Fax)
acappello@primeres.com
Lic. #0924911 NMLSR #209113



All Loans and Speaks Spanish (Espanol)


(JP) Jesus Pino
SR. LOAN ORIGINATOR
CNN Mortgage
480.296-7818 Direct
602-478-4647 Mobile
480.907.2811 E-Fax
jpino@cnnmortgage.com
7025 E. Greenway Parkway Ste. 100, Scottsdale, AZ 85254
COMPANY NMLS # 148530---BANK ID # 0901814---LOAN OFFICER NMLS #225674

VA, FHA, USDA and Conventional Loans:

Ben Andrus
Branch Manager
On Q Financial
Mortgage Consultant
NMLS #211881 l AZ-LO 0911857 l CA-DOC 211881
(480) 444-7111
ben.andrus@onqfinancial.com
www.benandrus.onqfinancial.com


Hard Money Lenders for Fix and Flip or Interim Financing Loans

Chris Aepli, Co-Founder/Loan Originator
Orchard Funding
11333 N Scottsdale Rd, Suite 293
Scottsdale, Arizona 85254
www.OrchardFunding.com
602-252-1500
NMLS# 388757
NMLS# 1197619

Or

Michael Olson
Steeple Rock Funding, LLC
670 E. Encinas Ave.
Gilbert, AZ 85234
Direct: (480) 926-6620
NMLS# 310186 / AZ MB #0913524

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Arizona Homes and Land Group with HomeSmart®

Jeffrey Masich, Associate Broker HomeSmart®, Team Leader 

Moblie/Text: 480-242-6500
Fax: 602-749-6509
Email: JeffMasich@ArizonaHomesLand.com

Associate Broker (License # BR632450000 State of Arizona)
REALTOR® (National Association of Realtors)
GRI (Graduate Realtor Institute)
CSSN (Certified Short Sale Negotiator)
MBA (Master Business Administration)
BS (Bachelor Science- Accounting)
CCE (Certified Credit Executive-former)
CCM (Certified Cash Manager)

HomeSmart®, 10601 N. Hayden Road, Suite I-100, Scottsdale, AZ 85260

©2020 Jeffrey Masich