Posts Tagged ‘Sierra Vista’


Arizona VA Home Loans

Saturday, March 12th, 2016
 

Arizona’s VA Home Loan Experts!

Tucson, AZ – Thank you for visiting our Arizona VA home loan mortgage page. If you are Active Military or a Veteran living in Tucson, Phoenix, Sierra Vista, Yuma – or anywhere else in Arizona – looking to purchase a home or refinance your current VA loan, or just have questions about VA loans, then you have come to the right place!

Joseph Small and team at Guild Mortgage Company, are very knowledgable with VA home loan financing, professional and use the latest in technology to help serve Arizona’s veterans.  So give Arizona’s VA home loan mortgage experts a call now! (520) 303-5620 or (480) 648-1733 and let’s get started.

The Benefits of Using a VA Home Loan in Arizona

Arizona VA loan FICO Scores
 

VA Home Loan Features:

Up to 100% financing available

No monthly private mortgage insurance

Seller concessions up to 4% of the reasonable value of the property

Credit scores as low as 600 FICO in Arizona

Must be a veteran, active duty or reserve member to be eligible

Manufactured homes allowed (requires a 620 FICO score)

Non traditional credit

All loans are subject to underwriter final approval, terms and conditions may apply. Subject to change without notice. Always consult an Accountant or Tax Advisor for full eligibility requirements on tax deductions.

Which one of these describes you best?


Arizona VA Home Loans
VA Home Loans
VA home loans in Arizona
VA Manufactured Home Loan
Arizona USDA home loans
VA Loan – Refinance

“Thanks for serving our country….it means the world to us”!

 

Top 5 Reasons to do business with the Joseph Small

  1. We make our living helping Veterans & Active Military in the Tucson, Phoenix and Sierra Vista area, as well as throughout Arizona… so you get straight talk & honest answers!
  2. Need answers to your many questions about VA mortgages?  …let us clear up all of the myths about purchasing with a VA loan!
  3. What about the rates and terms? We offer competitive VA mortgage rates and great terms – we also offer a variety of other home loan products, so we will find the right program for your needs!
  4. Don’t like being forgotten about or ignored? Our team is always available, get the personal service you deserve!
  5. You earned the right to use your VA benefits! We would be honored to help you….please give us the chance!

So let us hear from you! Remember….it doesn’t cost a penny to talk…so call us right now and we will answer all your questions! Phoenix – (480) 648-1733 Tucson and Sierra Vista: (520) 303-5620  


VA loans Tucson AZ

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Joseph Small and team at Guild Mortgage Company – Arizona VA Home Loan Experts! – are your trusted source for all your VA home loans needs. Proudly serving Tucson, Phoenix, Yuma, Sierra Vista.

HomeReady Mortgages now for Arizona

Sunday, December 27th, 2015
 

HomeReady MortgageTucson / Phoenix: Great news! Fannie Mae’s long awaited HomeReady™ mortgage program is now available to Arizona homebuyers. The HomeReady mortgage program replaces Fannie Mae’s My Community Mortgage, which was Fannie’s low-moderate income lending product. HomeReady not only replaces the MyCommunity, but is designed to help creditworthy borrowers afford a new home – which will help a lot of Arizona homebuyers. Read press release here: HomeReady Mortgage Program

“Purchasing your first home can be an overwhelming process,” said Jay Ryan, Vice President of REO Sales, Fannie Mae. “We developed the HomeReady Buyer program to provide first-time homebuyers with the knowledge to make informed decisions as they navigate the complexities of the home buying process. Closing cost assistance provides a cushion many first-time buyers need to more confidently face the financial responsibilities of homeownership.”

Some of the key features of HomeReady Mortgage Program

✅ Low down payment. Up to 97% financing for home purchase with many borrower flexibilities. 


✅ Flexible sources of funds can be used for the down payment and closing costs with no minimum contribution required from the borrower’s own funds (1-unit properties).

✅ Non-occupant borrowers allowed (max 95% LTV in DU®) – income is considered part of qualifying income and subject to applicable income limit.

HomeReady is designed to help low to middle income borrowers get into a home, much the same way as Fannie’s now retired MyCommunity program did. So there are income and property eligibilty guidelines within the program that must be met. You can look up the income and property eligibility restrictions by using Fannie Mae’s tool here: HomeReady Income Eligibility Lookup.

For some, HomeReady might be an alternative to FHA low downpayment financing option. How much of an alternative will depend on the borrowers unique situation. With this said, and for the first-time ever, income from a non-borrower can be considered in determining a borrower’s debt-to-income ratio.

Yes, you read that correctly. And that is big news in the financing world, as you might imagine. This is especially helpful for multi-generational and extended family households, especially for those living in a cities like Phoenix, Tucson and Flagstaff.

Multi-generational and extended households, which is more common in Arizona then you think, were often shut out of regular home fianancing, but now have an affordable mortgage program that they can actually turn to – and that is a game-changer in the home lending world.

How HomeReady is really different

Over the years, Fannie Mae has done extensive research on extended families and has discovered that these extended households tend to have stable incomes that often are more secure than regular, smaller households at similar income levels.

Other HomeReady guideline changes include the allowing of income from non-occupant borrowers, such as parent. And a big change is the allowing of rental payments, such as from a guest house or boarder to augment the borrower’s qualifying income. In the past, Fannie Mae did not allow income from those sources, so you can see how this program is a game-changer.

Key Features of HomeReady to help Arizona Homebuyers

 

HomeReady Mortgage Program
Borrower Income: Income eligibility aligned with housing goals requirements:

  • No income limits in low-income census tracts (median tract income <=80% of area median income [AMI])

  • No 100% of AMI in high-minority census tracts or designated disaster areas

  • No 80% of AMI in other tracts
Ownership of Other Property and Non- Occupant Borrowers Occupant borrower may not have an ownership interest in any other residential property at time of closing
Non-occupant borrowers are permitted (to max 95% LTV in DU; 90% LTV in manual); income considered as part of qualifying income. No limitation on ownership of other property for non- occupant borrower
Manufactured Housing (MH) In accordance with standard MH guidelines (DU only, max 95% LTV/CLTV, 7/1 and 10/1 ARMs only, no temporary buydowns), except limited to 1- unit principal residence transactions
Non-Borrower Household Income Permitted as a compensating factor in DU to allow a debt-to-income ratio greater than 45% up to 50% (non-borrower income is not considered qualifying income)
Boarder Income Permitted with documentation of at least 9 of the most recent 12 months (averaged over 12 months) up to 30% of qualifying income

 

Do we need Homebuyer Education Classes?

Fannie Mae has partnered with Framework®, a nonprofit created by the Housing Partnership Network and the Minnesota Homeownership Center, to offer homebuyers a homeownership education course that covers both the complexities of home buying and the responsibilities of owning a home. The course contains nine, thirty-minute sessions and is entirely online. Framework Course

If you have any questions on the new HomeReady™ Mortgage Program , or other home loan financing questions, then just give us a call. 520-303-5620

Joseph Small and his Team at Guild Mortgage Co. helps Tucson and Phoenix Homeowners and homebuyers with all their home mortgage loan needs. Give them a call today! Also proudly serving Sierra Vista, Green Valley, Sahuarita and Nogales Arizona.

520-303-5620

FHA Mortgage Insurance for the Life of Loan?

Sunday, January 20th, 2013
 

By Joseph Small

Tucson FHA mortgage insurance money

***UPDATE:FHA Mortgage Insurance just got lowered. Read here: FHA Lowers Mortgage Insurance
Tucson, AZ – With the red ink line getting steeper and longer, the
Federal Housing Administration
or FHA is strongly considering making some changes to their annual mortgage insurance premiums on all future FHA home loans sometime in 2013 (Update: April 1, 2013). These changes are important to those of you who are considering buying a home with an FHA home loan mortgage or are considering refinancing with an FHA Streamline loan.

The FHA is proposing a .10 basis point increase to the annual
mortgage insurance
premium, which is the monthly mortgage insurance you pay on your FHA loan. Presently, this rate is at 1.25%.. so, for example, this .10 increase will add an additional $20 monthly to a $200,000 FHA mortgage.

Currently, FHA requires annual mortgage insurance premiums on all FHA loans for a minumum of 5 years and cannot be waived until there is a Loan-to-Value or LTV of 78%.
Along with the .10 annunal mortgage insurance premium increase, the FHA is considering dropping the current minumum 5 year and 78% LTV and making it permanent – the Life of the Loan.

With a reported $16.3 billion dollar deficit, the FHA is looking for ways to raise revenue to help its bottom line and long-term solvency. In its 78 year history, the FHA has never had to ask for a tax payer funded bailout.

Recap of 2013 FHA Mortgage Insurance Proposed Changes

  1. The FHA is going to increase monthly mortgage insurance payments again, this time by .10 basis points
  2. The FHA is eliminating Annual MIP removal on loans taken out after this spring. This means new buyers will pay FHA “MIP” for the life of the loan.

So if you are thinking of buying with an FHA loan or refinancing your current FHA mortgage, then you might want to consider doing it sooner than later. These
FHA mortgage insurance
changes will costs you. Give my team a call and we can help you get the process started.

Click here to read the entire FHA Press Release.

Joseph Small and his team at Guild Mortgage Company is your trusted source for all your FHA home loan mortgage needs in Tucson, Sierra Vista, Oro Valley and Vail, Arizona. Give them a call today! Maybe one day you too will say, “Joe’s My Lender!” (520) 303-5620


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Purchasing with a VA Mortgage Loan in Tucson Arizona

Friday, September 21st, 2012
 

By Joseph Small

veteran in front of houseSo you would like to purchase a home in Tucson, Arizona with a VA mortgage loan? VA mortgage loans offer 100% financing to eligible veterans and active military. Unlike other types of home loan financing, VA home loans do not have annual mortgage insurance (MI). Coupled with low mortgage interest rates, you can quickly see the advantages of using a VA mortgage loan for your Tucson home purchase.

VA mortgage loans can be used for the following purposes:

1. To buy an existing home, including a townhouse or condominium unit in a VA-approved development.
2. To build a home.
3. To simultaneously purchase and improve a home.
4. To improve a home by installing energy-related features.
5. To refinance an existing home loan.
6. Cash-out refinance
7. Reduce the interest rate (Interest Rate Reduction Refinance Loan)
8. Hybrid Adjustable Rate Mortgage
9. Adjustable Rate Mortgage (ARM)
10. Convert an adjustable rate mortgage to a fixed rate loan.

What property types are available for VA mortgage financing in Tucson?

VA mortgage loans are an excellent choice for Tucson veterans and active military and can be used for either a purchase of an existing home or for the construction of a new home.

However, we often get asked about purchasing an investment property with a VA mortgage loan. In short, VA mortgage loans are for owner-occupied properties only and cannot be used for an investment or a second home.

Note: All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
 
Joseph Small and his team at Guild Mortgage Company is your trusted source for all your VA Mortgage Loan needs in Tucson, Sierra Vista, Green Valley and Nogales, Arizona.

Tucson’s VA home loan mortgage experts!


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Your Tucson FHA Home Loan and Mortgage Insurance

Friday, July 20th, 2012
 

By Joseph Small

Will my Tucson FHA Loan require me to have mortgage insurance?

As with all home loans, there exists a risk that a borrower will go into default on their home loan. For those who put down less than 20% as a down payment on their homes, the default rate jumps. An FHA loan only requires a minimum 3.5% down payment, which is considered a very low down payment and commonly used here in Tucson and in Sierra Vista, Arizona. Mortgage insurance or MI is an insurance policy that protects lenders against losses that result from defaults on home loan mortgages. FHA loan requirements include mortgage insurance, which is primarily for borrowers making a down payment of less than 20 percent.

There are two types of mortgage insurance on an FHA mortgage. The First is what is called the Upfront Mortgage Insurance Premium or UFMIP. This is a one time charge that is typically rolled into the home loan. The second type is called the Annual mortgage insurance or MI. This is the one that will effect you the most because it is part of your monthly payment.
 

What exactly is mortgage insurance anyways?

 
Every borrower that is applying for an FHA loan should be asking this question. What exactly is mortgage insurance anyways?

The Federal Housing Administration insures FHA mortgages against default. So an FHA insured mortgage is a one that his backed by the government against the possibility that the borrower will go into default, which protects the lender against a loss on their investment.
 

How long will I have this Mortgage Insurance?

In most cases, the mortgage insurance cost to the homeowner will drop off after five years or when the remaining balance on the loan is 78 percent of the value of the property – whichever is longer. You can read more: HUD Gov website
Important Update: FHA Mortgage Insurance for life

Back to Tucson FHA home loans
mortgage calculator

Joseph Small and his team at Guild Mortgage Company is your trusted source for all your FHA home loan mortgage needs in Tucson, Sierra Vista, Oro Valley and Vail, Arizona.


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FHA Streamline Refinance Loan in Sierra Vista, Arizona

Monday, July 16th, 2012
 

By Joseph Small

Over the years, the FHA home loan has been a great option for homebuyers in Sierra Vista, as well as nearby communities like Bisbee and Tombstone, Arizona. As mortgage interest rates have continued to drop to historic lows, a lot of these FHA homeowners have wondered if they could possibly refinance and take advantage and lower their monthly payments. This is where the FHA Streamline Refinance Loan comes into play.

As the name suggest, this process is very streamlined, which means less paperwork. But one of the great features of the FHA Streamline is that no appraisal is required. Yes, you read that right… no appraisal! This could be welcome news to those homeowners in Sierra Vista that have thought about refinancing, but have been hesitant because they think they might possibly be underwater with their mortgage.

FHA Streamline Update

There were some recent changes to the FHA streamline program that might help some save additional money. On June 11, 2012, these changes went into effect for those who have an FHA home loan that was endorsed by the FHA prior to May 31, 2009. If you aren’t sure, or just don’t know what that means, then please give us a call. We can explain it all and help you find out. The changes are on the Up Front Mortgage Insurance Premium or UFMIP and the Annual Mortgage Insurance (what you pay monthly).

As you may remember, the FHA charges an UFMIP that you probably rolled into your loan. It was probably a pretty chunk of change at that time. The good news is that those loans that meet the prior to May 31, 2009 endorsement date will have their UFMIP reduced to a mind-blowing .01 percent. That is huge because you aren’t raising your loan amount by any significant amount.

The other change for those that meet the May 31, 2009 endorsement date is to the Annual Mortgage Insurance. The current MI factor is 1.25%. The old factor was .55%. By grandfathering these loans into the old percent, along with lowering the interest rate will give you a much bigger savings.

So if you are think you might be interested – or just have general questions on the FHA streamline refinance loan program, then just give us a call. My team and I would love to help you out.

Note: All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
 

Joseph Small and his team at Guild Mortgage Company is your trusted source for all your FHA refinance home loan mortgage needs in Tucson, Sierra Vista, Benson and Tombstone, Arizona.


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Credit Qualifying and a Tucson / Sierra Vista FHA Streamline Refinance Loan

Monday, July 2nd, 2012
 

By Joseph Small

Today I wanted to talk about the FHA Streamline Refinance loan and credit qualifying. Over the past few years, a lot of first-time homebuyers in cities like Tucson, Sierra Vista, Sahurita and Green Valley took advantage of the low downpayment that FHA home loans offer. Fast forward to today. With mortgage interest rates at an all-time historic low, a lot of these homebuyers would like to refinance their FHA mortgage and lower their payments.

This is where the FHA Streamline Refinance loan comes into play. If you are current on your FHA loan with no late mortgage payments in the past 12 months, then a streamline refinance might be a good option for you. One of the biggest advantages of this program is that it does not require an appraisal. So you could be underwater with your mortgage… it will not matter.

One June 11, 2012, there were some changes to the FHA streamline loan program that helped those who purchased and have an FHA home loan that was endorsed prior to May 31, 2009. Click to read FHA Streamline Changes. However, there seems to be some confusion for those that do not meet any of the “prior to May 31, 2009” criteria. You can refinance today, but will have to do it with today’s increased UFMIP and annual mortgage insurance factors.

Another issue that seems to be popping up a lot is doing what is called an FHA Streamline Refinance with credit qualifying. The general rule is that if you are removing a co-borrower that was used when you originally purchased the home, then you would have to re-qualify for the new FHA refinance loan. We see this a lot with divorces and co-borrowers who are now deceased.

Even though this is still considered a streamline refinance, there are some documentation that will be needed and verified. Such as: tax returns, paystubs and bank statements, ect.. However, no appraisal will be required.

If you have any questions on this, then please give us a call or send us an email. Or you can leave a comment below. And if you think you are ready to start the process, then click here: Apply Now

Note: All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
 

Joseph Small and his team at Guild Mortgage Company is your trusted source for all your VA, FHA, USDA Rural Development and Conventional home loan mortgage needs in Tucson, Sierra Vista, Sahuarita, Green Valley and Nogales, Arizona. Give Joe and the team a call to get started. (520) 303-5620


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Short Sale Assistance for Military homeowners in Tucson and Sierra Vista with a Fannie or Freddie loan.

Tuesday, June 26th, 2012
 

By Joseph Small

short sale signWhen our military service members in Tucson or Sierra Vista receive a Permanent Change of Station or PCS orders, they and their families face many important decisions. If the service member owns a home, then it can create an extra dilemma and burden.

PCS orders often require quick moves and can create hardship for military homeowners who are underwater on their mortgages (where you owe more than your home is worth) and therefore cannot sell their home without taking a loss. In the past few years, many service members felt their only option was either to maintain financial obligations on two properties or just plain default on their mortgage.

At a recent news conference by the Federal Housing Finance Agency (FHFA), Acting Director Edward J. DeMarco announced new changes to the short sale policies for those military service members that our homeowners with a Freddie or Fannie loan. This is great news for military service members in cities like: Tucson, Sierra Vista, and Sahuarita, Arizona.

“It  is  in  everyone’s  interest  for  the men and women serving in our armed forces to focus on the important job they are doing defending our country, rather than worry about the maintenance and leasing of a property in another jurisdiction,” said DeMarco. “These  Fannie  Mae  and   Freddie Mac policy changes, in combination with related guidance last fall, should now provide military homeowners with access to the immediate and automatic full range of foreclosure alternatives.”

Under the new policy Fannie Mae and Freddie Mac will not pursue a deficiency judgment or any cash contribution or promissory note from members of the military with a change in duty station for any property purchased on or before June 30, 2012. Service members must have a Fannie Mae or Freddie Mac loan to be eligible.

Last year Fannie Mae and Freddie Mac issued guidance to mortgage servicers confirming PCS orders as a qualifying hardship for forbearance and loan modifications.

Service members can check Fannie Mae or Freddie Mac websites to see if their loans are held by them or they can call hotlines for military homeowners at 1-877-MIL-4566 or 1-800- FREDDIE.

Read more here: FHFA Announces Short Sale Assistance for Military Homeowners with Fannie Mae or Freddie Mac Loans

Joseph Small and his team at Guild Mortgage Company is your trusted source for all your VA home loan needs in Tucson, Sierra Vista, Sahuarita, Green Valley and Nogales, Arizona. Give Joe and the team a call to get started. (520) 303-5620


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Underwater Mortgage? HARP 2 Refinance Loan might help Tucson homeowners..

Sunday, June 17th, 2012
 

By Joseph Small


Have you recently tried to refinance your current conventional mortgage… only to be told that your house is not worth what you owe on it. There is a little known program that just got re-modified that might be of some help to you here in Tucson or Phoenix Sierra Vista, as well in Sahuarita, Green Valley and Nogales, Arizona. This program is called the Home Affordable Refinance Program or HARP 2 refinance loan.

Click here to get HARP refinance loan rates.

The Joe’s My Lender team at Guild Mortgage Co. are the HARP 2 home loan refinance experts! We are here to help you with honest answers to your many questions on this program. And let me tell you, there has been a lot of buzz and questions, as well as mis-information, floating around out there on this refinance program. And Guild Mortgage is a direct lender, which means we aren’t going to broker your HARP 2 refinance loan out to someone else. All done under our roof!!

By now, you have probably heard the term underwater or upside-down mortgage. This commonly used term refers to a home in which it’s value is less than what is owed on it. Whatever jargon you use, it has prevented millions of responsible homeowners from being able to take advantage of these historically low mortgage interest rates.

Over the past few years, millions of responsible homeowners sought out refinance programs to try to lower their monthly payments… only to get the discouraging news that they were “underwater” or “upside-down” with their mortgage… so NO Luck! If you are on this website page, then there is a great chance that you have been there and done that. Am I right?

Click here to get HARP refinance loan rates.

HARP Loan for Tucson Homeowners

So what is the HARP refinance program? HARP stands for the Home Affordable Refinance Program. It has been around since 2009, but it is the 2011 revisions to HARP that makes it what it is – and all the buzz you have perhaps been hearing. The original HARP home loan refinance program had a Loan-to-Value or LTV cap at 125%; which, unfortunately, only a small amount of homeowners were able to qualify under and take advantage. For States like Arizona, and for hard hit cities like Sierra Vista and Tucson, their high LTV’s prevented the homeowners from using this refinance program.

The October 2011 revisions to the Harp 2.0 Loan Refinance Program did away with the Loan-to-Value or LTV cap. So the good news is that it does not matter how much you are underwater or upside-down on your mortgage, which really helps those living in the hard hit areas such as Phoenix and Tucson. However, there are three (3) main criteria that you should be aware of about the HARP home loan refinance program:

1. Your loan must be owned by Fannie or Freddie (we can find out for you if you don’t know). ASK US: Click HERE
2. Your loan has had to be on Fannie or Freddie’s books since June 1, 2009.
3. You cannot have any late mortgage payments in the last 6 months, and only 1 30-day late payment in the past 12 months.

Since we have been getting a lot of questions on the HARP home loan refinance program, our team decided to take the time to put together a nice detailed report that answers the 35 most frequently asked questions about the new HARP 2.0 home loan program. Our goal is to be your go to trusted resource that will help guide you to understand the new HARP Loan program – and hopefully take advantage of it.

To get the FREE report on the 35 Most Frequently Asked Questions (FAQ’s), just click on the “Free HARP 2.0 FAQ Report” link below and it will take you to our HARP FAQ Page (HARP Report), fill out your name and a good email address. Within a few minutes, we will email the report to your inbox. It is very helpful!

Free HARP 2.0 FAQ Report

Will there be a HARP 3 refinance loan program for those who do not have a loan owned by Fannie Mae or Freddie Mac? HARP 3

Note: All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
 
Joseph Small and his team at Guild Mortgage Co. is your trusted source for all your HARP refinance loan needs in Tucson, Sierra Vista, Sahuarita, Green Valley and Nogales, Arizona. Give Joe and the team a call to get started. (520) 303-5620

HARP Lookup Tool


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Refinancing An FHA Loan in Tucson and Sierra Vista, Arizona

Wednesday, June 13th, 2012
 

By Joseph Small

Learn about your FHA refinance mortgage options here:

Many homeowners in Tucson, Sierra Vista and throughout Arizona have enjoyed the benefits of purchasing with an FHA home loan. But, as with all homeowners, there comes a time when refinancing might come into the picture. Homeowners refinance for many reasons: kids going off to college, lower mortgage interest rate, medical or unexpected emergencies, lower loan term to payoff mortgage early. So if you find yourself asking what kind of FHA refinance loan is right for you and your family, or you are ready to get started, then just give us a call or click the “APPLY NOW” button on the right.

**Note: Please keep in mind that FHA refinancing is only available to responsible homeowners who are currently using their home as their principal residence.

FHA options to homeowners who are considering an FHA refinance mortgage:

 

FHA Streamline Refinance


Tucson and Sierra Vista, Arizona – FHA Streamline Refinance Loan

FHA Streamline Loans in Tucson and Sierra Vista, Arizona

What is an FHA Steamline loan? An FHA streamline is called this because it is a refinancing option for those responsible homeowners that have an FHA loan. The process is considered a streamline because it allows homeowners to refinance to a lower mortgage interest rate, often without an appraisal, with less amount of paperwork and time. The process is streamlined to make it quicker than a normal refinance.

Click here to learn more about FHA Streamline Refinance Loans in Tucson and Sierra Vista, Arizona

FHA Cash-Out Refinance


Tucson and Sierra Vista, Arizona – FHA Cash Out Refinance Loan

FHA Cash Out Refinance Loans in Tucson and Sierra Vista

You purchased a home in Tucson or Sierra Vista Arizona with an FHA home loan a few years back. Now the kids are grown and you need help paying for college. Or perhaps the roof needs repair. You probably are now wishing you had more tucked away for that rainy day. Well, there might be an option available to you.

Click here to learn more about FHA Cash Out Loans in Tucson and Sierra Vista, Arizona

Note: All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
 

Joseph Small and his Team at Guild Mortgage Company are your FHA Streamline and Cash Out refinance loan experts in Tucson, Arizona. Give them a call today! Also proudly serving Sierra Vista, Green Valley, Sahuarita and Nogales Arizona.


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Recent Articles by Joe:
New FHA Streamline Refinance changes will help Tucson

New FHA Streamline Refinance Changes To Help Tucson Homeowners