Why Should I Live in Northeast Mesa?

Have you considered moving to Northeast Mesa?

Have you checked out homes for sale in Las Sendas?

Have you researched Red Mountain High School?

Perhaps you love that it has such a great location for access to the freeways, lakes and mountains.

Today I found what might be the best reason to live in Northeast Mesa … Croshaw’s Gourmet Pies.

On their website, the owners of Croshaw’s explain:

All our pie crusts, rolls, cookies, cinnamon rolls, soups and fillings are made from scratch daily.

Everything is made onsite in our gourmet kitchen.

Join us for Lunch served daily!

I visited Croshaw’s today at the insistence of my friend, Justin McHood .  He went there the day before on a recommendation and he fell in love.  I don’t think that he’ll ever eat anywhere else again.  I ordered what he had and they served me a homemade chicken pot pie with a fresh roll on the side … all fresh from the oven that morning.  While we were eating, the friendly staff gave us samples of their delicious pies.  Everything was very good and the prices were more than reasonable.  I’m certain that I’ll be back there soon.

There are many reasons to live in Northeast Mesa such as the city views from Las Sendas, the quick freeway access to downtown Phoenix, the great schools and it is the Valley’s gateway to lakes and Northeast Arizona mountains. If you have considered it but haven’t found the one that tips the scale, Croshaw’s Gourmet Pies might be it.

Maybe I’ll see you there.

Steve Lines

More and more people are calling us about the FHA jumbo loan program.

Depending on where you live in the country, currently FHA will allow you to finance up to $729,000 with just 3.5% down?

The reason for this special jumbo loan program is that it was part of the legislation passed by congress recently and chances are that it won’t be around forever. It was a special program that was created by HUD and it could go away at any time.

So if you are considering a home that will need a jumbo loan, be sure to ask your loan officer if the FHA jumbo loan is right for you. You might find that with the recent property declines and with interest rates at all time lows, an FHA jumbo loan might make the most sense for your situation.

That million dollar home in 2006? Chances are that it is now selling for $500,000 and can qualify for a FHA jumbo loan.

Basic FHA jumbo loan guidelines include:

• Up to $729,000 financed. (based on the county loan limits published by HUD)
• 660 FICO score required.
• 3.5% down payment.
• 30 year fixed rates around 5%

FHA jumbo loans take just as much time to close as “regular” FHA loans do – 10 days.  So if you are in a hurry, we are able to accommodate your schedule as well.

And if the FHA jumbo program goes away before you can get qualified and close your FHA jumbo loan?

Don’t say we didn’t warn you.

Arizona FHA Mortgage Company

Arizona is a beautiful state with diverse climates and landforms, plentiful sunshine and great job opportunities.

Because of this, more and more people are making Arizona their home.  FHA mortgages help people with their dream of owning an Arizona home. At BestFHALender, we can help you become a homeowner with the help of an easy, Arizona FHA loan.

Contact us today!

What Are the Benefits of Arizona FHA Loans?

• Buy your home with less money through FHA’s Low down payment requirements and down payment assistance programs.
• Save money with an affordable monthly payment with low Arizona FHA loan rates even with bad credit.
• If you have bad credit, Arizona FHA mortgages have tolerant credit guidelines and the easiest qualifying criteria after a bankruptcy, foreclosure or short sale.
• Arizona FHA mortgages are an affordable option for home owners because they have low closing costs that are regulated by the government.

FHA loans are a great option for people searching for Payson AZ homes for sale.

Here is a quick list of why you should use an FHA loan to buy your Payson AZ home.

• FHA loans are a great program for first time homebuyers in Payson AZ.
• FHA loans are good for borrowers with low credit scores
• FHA loans are great if you need down payment assistance.
• FHA interest rates are very competitive.
• FHA loans are assumable.

Payson AZ, located in Rim Country, is a popular place to live because of its temperate mountain climate and its relatively close location to the Phoenix metropolitan area. It is almost exactly in the geographic center of Arizona and sits at the base of the majestic Mogollon Rim – a 7,000-foot high, 200-mile long escarpment in the world’s largest Ponderosa Pine forest. The 5,000 foot elevation gives Payson its pleasant climate and four mild seasons.

Neighboring communities that, with Payson, make up the Rim Country Community include Star Valley, Christopher Creek, Pine and Strawberry.

So, if you are thinking of buying a home in Payson AZ, you should consider an FHA loan. Their interest rates are competitive and compare reasonably to conventional loans. They do require mortgage insurance, but so do conventional loans if you don’t put 20% down.

FHA loans have been around for over 75 years. However, there are common misconceptions that exist about them. You may have heard that they take too long or that they require too much paperwork. This is not true. But, many misconceptions about FHA loans still exist. Finally, if for some reason you fall on hard times, FHA loans offer different options to help you avoid foreclosure and keep your home.

Call or contact me today if you would like to get prequalified for an FHA loan and you can start searching for your Payson AZ homes for sale.

Steve Lines
480-344-3662

FHA Loan Options in Phoenix AZ

Home buyers in Phoenix AZ are taking advantage of the low rates and flexible features offered by our Phoenix AZ FHA loans.

Flexible Features of AZ FHA Loans

• Low FHA interest rates in Arizona
• Buy a house with little to no money
  • Low down payment requirement
  • Take advantage of gift programs
• Helps home buyers with less than perfect credit
• Allows for non-occupant co-signers
• FHA loans do not have prepayment penalties
• Your Phoenix AZ FHA loan may be assumable

Some people and real estate agents in the Phoenix area mistakenly avoid FHA loans because of common misconceptions such as:

• Takes too long. Wrong – see our ten day close guarantee.
• Too much paperwork. FHA does have a few more disclosures that you will have to sign at application, but the extra 5 minutes is worth it.
• Requires restrictive repairs. FHA appraisals are much easier than they were in the past. They just want to make sure that there aren’t any safety concerns.

There are several Phoenix FHA loan programs to promote home ownership. If you are an Arizona first time home buyer, you can use an FHA loan to easily qualify for your mortgage.

Remember, because FHA insures your Phoenix AZ mortgage, lenders are more willing to give Arizona FHA loans with lower qualifying requirements. That’s why its easier for you to qualify.

Phoenix AZ FHA loans have been around since 1934. They are a great mortgage option to help you buy your home. Also, even if you happen to encounter hard-times after buying your home, a Phoenix AZ FHA loan has many options to help keep you in your home and avoid foreclosure.

To get the most out of your Phoenix AZ FHA loan, you should pick the best FHA lender. We’ll help you buy your home with a Phoenix AZ FHA loan for all the reasons above.

Call today to find out if a Phoenix AZ FHA loan is right for you.

Yuma AZ Homes

Are you one of the many people that are making the decision to move to Yuma Arizona? The Yuma area is attracting more and more people for a variety of reasons. People buy Yuma AZ homes either because of job opportunities, the location (close to Phoenix, San Diego and Mexico), the winter weather or to take advantage of the many interesting things to do.

There are a number of surrounding communities to consider when searching for Yuma homes for sale such as Somerton, Gadsden, San Luis and Yuma Foothills.

Yuma Mortgage Information

If you need a Yuma Mortgage, you have many financing options.

There are many Yuma mortgage programs have been designed to suit your needs.

FHA Purchase loan information in Yuma, Arizona
Information on Downpayment Assistance in Yuma, Arizona
FHA Refinance information in Yuma, Arizona

Many of our Yuma mortgage customers are taking advantage of the 100% financing that is currently offered through USDA. Here are some of the highlights:

• Low interest rates
• 102% Financing based on appraised value, if appraised value exceeds sales price, borrower can finance closing costs and repairs
• 30 Year fixed term
• No monthly mortgage insurance
• No downpayment requirement.
• No Yuma AZ First Time Homebuyer restrictions.

We also specialize in VA loans in Yuma AZ.

Need a loan closed fast by a local Yuma mortgage professional who is the best in the business? Try Derek Egeberg and ask him how he guarantees your home loan will close on time.

The big secret to always close your Yuma mortgage on time?

In no particular order:

• Have a loan officer who knows what they are doing.
• Have processing in house.
• Have underwriting in house.
• Have doc drawing in house.
• Have a way to get appraisals done, even with the HVCC guidelines in place.
• Have senior management that will accept nothing less than excellence and hold each person accountable for achieving the goal of a ten day close each and every time.

Please contact me with questions. I would love to help you with your Yuma FHA mortgage today.

Steve Lines

Best FHA Lender in Arizona

Contact us at 928-226-6908 for the best Flagstaff Mortgage Rates.

• We are the premier local Flagstaff Mortgage Company.
• We close your loan faster.
• We offer the expert customer service with a genuine hometown touch.

Best FHA lender in Flagstaff AZ is affiliated with Jer Cox and his well-respected team on Flagstaff mortgage professionals.

Jer’s team has served Flagstaff and the rest of Northern Arizona for many years as Mountain Country Mortgage, Flagstaff’s premier mortgage brokerage.  In 2007, they were Flagstaff’s award-winning representative as a recipient of the Arizona Small Business Association’s “Arizona Companies to Watch”.

Recently, Flagstaff’s best mortgage lender has joined forces with Academy Mortgage, the mortgage industry’s finest company and one of the largest private lenders in the country.  As a result, Flagstaff’s best team of mortgage loan officers now has the exceptional tools and resources required to raise the bar and continue to set the standard as Flagstaff’s best mortgage lender.

To experience Flagstaff’s highest caliber customer service with a genuine hometown touch, call the office today at 928-226-6908!

Search for Arizona Foreclosures

BestFHAlender recently announced that we, Academy Mortgage, are a participating lender in the Your Way Home AZ 22% down payment assistance program.

This program is designed to help Arizona home buyers purchase bank owned “foreclosed” homes.

Here are a few links that home buyers can use to search bank owned property in Arizona.

Bank of America

Chase

Wells Fargo

Fannie Mae

Feel free to contact me with questions.

Steve Lines
Authorized FHA Loan Consultant and Co-Branch Manager
Academy Mortgage
Serving Mesa, AZ and all of the Phoenix Metropolitan Area
480-344-3662 (direct)
480-329-3346 (mobile)
slines@bestfhalender.com (email)
www.twitter.com/stevelines
www.linkedin.com/in/stevenlines

You can buy a bank owned foreclosure and the State of Arizona may give you 22% towards your down payment.

BestFHAlender.com (Academy Mortgage) is a participating mortgage lender in Arizona’s Your Way Home AZ” down payment assistance program that has been designed to help qualifying Arizona home buyers purchase foreclosed homes.

Funding is made available through the U.S. Housing and Urban Development Neighborhood Stabilization Program (NSP). The state of Arizona and nine other counties and communities received more than $121 million to help stabilize our hardest hit neighborhoods through a variety of efforts.

Arizona has $20 million dollars for the first phase and an additional $18 million for the final phase. You must act now before the money is gone.

This program has basic qualifying criteria such as:

• Buyer MUST occupy the home. Primary residence only.
• The buyer must have two months of payment reserves after closing.
• Income cannot be greater than 120% of the county median income.
• Contract purchase price must be at least 1% below appraised value.
• Buyer’s debt ratio must be no greater than 31/43.
• Home must pass minimum property standards inspection.
• All buyers must attend a mandatory home buyers counseling class.

Feel free to contact me with questions.

Steve Lines
Authorized FHA Loan Consultant and Co-Branch Manager
Academy Mortgage
Serving Mesa, AZ and all of the Phoenix Metropolitan Area
480-344-3662 (direct)
480-329-3346 (mobile)
slines@bestfhalender.com (email)
www.twitter.com/stevelines
www.linkedin.com/in/stevenlines

FHA Mortgage Loans in Phoenix Arizona

Are you one of the many people looking to buy a home in Phoenix Arizona?  Job opportunities and great weather are attracting more and more people to Phoenix, the largest and most populous city in the state of Arizona.

FHA mortgage loans are an attractive option in Phoenix Arizona for the following reasons:

• Easier to Qualify
• Less than Perfect Credit
• Low Downpayment
• Costs Less
• Help You Keep Your Home

The FHA has been around since 1934 and will continue to be here to protect you when the others walk away. Should you encounter hard-times after buying your home, FHA has many options to help keep you in your home and avoid foreclosure.

Phoenix is the state capital and also the county seat of Maricopa County. It is the largest city in the Mountain Time Zone as well as the second largest city in the Western United States after Los Angeles, California. The city’s metropolitan area is also known by its nickname, “The Valley of the Sun” or the shortened “The Valley,” because the city is surrounded by mountains on all sides.

The city of Phoenix is divided up into 15 urban villages. Inside some of the Villages are well-known neighborhoods, or districts, which are listed as subpoints. These urban villages are: Ahwatukee Foothills, Alhambra, Camelback East, Central City, Deer Valley, Desert View, Encanto, Estrella, Laveen, Maryvale, North Gateway, North Mountain, Paradise Valley (not to be confused with the town of Paradise Valley), South Mountain and Rio Vista.

Commonly referred-to Phoenix regions and districts include Downtown, Midtown, West Phoenix, North Phoenix, South Phoenix, Biltmore Area, Arcadia, Sunnyslope, Ahwatukee.

Phoenix’s community profile.

BestFHAlender is associated with Academy Mortgage, one of the largest and longest running independently owned and operated FHA mortgage lenders in Arizona. Academy Mortgage is one of a handful of lenders in Arizona that is a FHA “Full Eagle” lender with direct endorsement status.

The current FHA loan limits in Phoenix, Arizona are as follows:

Phoenix FHA Loan Limits

Information on Phoenix Arizona Downpayment Assistance

Recommended Realtor in Phoenix, Arizona

Information on Arizona FHA loans in other Communities.