Unique Loans

If your needs don't fit within a framework of the more traditional loans, we have other options.  For more information, call 520-751-7072.

Physician Fixed Rate

Best Choice If:

A high loan-to-value mortgage program designed specifically for Arizona's physicians.
Advantages:

  • Available for qualified medical professionals.
  • Doctors of Dental Science (DDS)
  • Doctors of Dental Medicine (DMD)
  • Dental Surgeons
  • Doctors of Optometry (OD)
  • Doctors of Opthamology (MD)
  • Doctors of Podiatric Medicine (DPM)
  • Doctor of Osteopathy (DO)
  • Doctors of Philosophy (PhD)
  • Resident Doctors in final year.
  • Permits up to 95% LTV without private mortgage insurance
  • Disadvantages:

  • Rate and product options may be limited.
  • Interest rates may be slightly higher than a traditional conforming loan.
  • Hero Fixed Rate

    Best Choice If:

    The Heroes mortgage program is designed to meet the needs of the dedicated members of our community. Thank you for your service!
    Advantages:

    Up to 95% LTV without private mortgage insurance!
  • Sworn Officers of Any Law Enforcement agency or fire department
  • Emergency responders
  • Homeland security
  • Teachers
  • Licensed healthcare professionals
  • Active or retired military
  • Disadvantages:

  • Rate and product options may be limited.
  • Interest rates may be slightly higher than a traditional conforming loan.
  • May not own any other property.
  • Purchase loan only. If you are looking to refinance, consider our No MI Product.
  • No MI Fixed Rate

    Best Choice If:

    Our 90% NO Mortgage Insurance loan is a great niche product for borrowers looking to purchase or refinance a home at a loan-to-value greater than 80% WITHOUT mortgage insurance.
    Advantages:

  • Low down payment requirement
  • No Mortgage Insurance!
  • Purchase or Refinance
  • Fixed rate terms of 10, 15, 20 or 30 years
  • Disadvantages:

  • Interest rates may be slighlty higher than a traditional conforming loan.
  • Property types are limited to single family homes.
  • No cashout is permitted on refinance loans.
  • Program only permits fixed interest rates.
  • Professionals Fixed Rate

    Best Choice If:

    The Professionals Mortgage program is a high loan-to-value program, without mortgage insurance, designed to meet the needs of certain professional service providers.
    Advantages:

    Qualified Professionals include:
  • Certified Public Accountant
  • Attorney
  • Chiropractor
  • Nurse Practitioner
  • Physician Assistant
  • Registered Nurse
  • Pharmacist
  • Veterinarian
  • Disadvantages:

  • Rate and product options may be limited.
  • Certified Public Accountant, Attorney and Chiropractor must be currently practicing and in profession for a minimum of 4 years.
  • Interest rates may be slightly higher than a traditional conforming loan.
  • 5 yr Balloon Land Loan

    Best Choice If:

    This Land loan program allows for the purchase of a vacant lot with the intent to build a new single family residence.
    Advantages:

  • Only requires 25% down payment.
  • Available for residentially zoned vacant land with utilities to lot line.
  • Disadvantages:

  • Refinances of lot loans are not permitted
  • After 5 yrs loan has a balloon payment of remaining balance.
  • Mortgage Rates

    The Loan Consultant feature determines the products and rates that match your needs.

    Find Rates

    Ready to Start?

    To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets.

    Apply