Loan options

Mortgage Loan Options for Arizona Homebuyers

Start with what you are trying to do. Each guide explains the general fit, tradeoffs, useful planning tools, and a practical next step.

Choose a starting point

What kind of financing are you looking for?

These are educational overviews, not a list of guaranteed approvals. Jesse can help compare an appropriate path after reviewing the complete scenario.

Explore by need

Buy a Home

Compare established purchase paths, from conventional financing to government-backed and first-time-buyer options.

Flexible home financing

Conventional loans

Compare a widely used mortgage path with flexible property, occupancy, down-payment, and mortgage-insurance considerations.

Explore this option →Lower down-payment options

FHA loans

Explore a government-insured, owner-occupied option with mortgage insurance and property requirements.

Explore this option →Veterans and service members

VA loans

Understand the VA home-loan path for eligible borrowers, including entitlement, funding-fee, and occupancy considerations.

Explore this option →Eligible rural areas

USDA loans

Review a zero-down-potential program for eligible households purchasing eligible primary residences.

Explore this option →First purchase

First-time homebuyer options

Build a first-purchase plan that compares financing, upfront funds, education, and potential assistance paths.

Explore this option →Upfront-funds support

Down payment assistance

Learn how grants and different second-mortgage structures may reduce upfront cash while adding their own eligibility and repayment terms.

Explore this option →Fannie Mae affordable lending

Fannie Mae HomeReady

Understand Fannie Mae's income-limited, primary-residence conventional option and compare it with standard conventional financing.

Explore this option →Freddie Mac affordable lending

Freddie Mac Home Possible

Understand Freddie Mac's income-limited, primary-residence conventional option and how it differs from HomeReady.

Explore this option →

Explore by need

Flexible Income & Specialty

Explore options shaped by income documentation, a larger loan amount, renovation plans, or a particular property type.

Business owners

Self-employed mortgage options

Plan around documentable business and personal income using the appropriate standard or alternative path.

Explore this option →Self-employed

Bank-statement loans

Explore an alternative-documentation path that may evaluate eligible bank-deposit history instead of relying only on tax-return income.

Explore this option →Independent contractors

1099 and gig-worker mortgage options

Compare standard and alternative documentation for freelance, contract, commission, and gig income without assuming one universal 1099 loan.

Explore this option →Specialty financing category

Non-QM mortgage options

Understand a broad category of mortgages that fall outside Qualified Mortgage definitions while retaining underwriting and applicable ability-to-repay review.

Explore this option →Residency and documentation