Delmar Mortgage has operated as a mortgage lender in Arizona for some time and has a storied history of helping prospective home buyers to become homeowners. As an Arizona mortgage lender, we know that our clients have a number of options for companies to finance their home loans, which means that it’s up to us to provide the best service possible as people prepare to finance their new homes. We’ve helped people throughout the state, including in the greater Phoenix area (including Scottsdale, Glendale, Chandler, and more) to finance the home of their dreams!
Whether you’re a first-time home buyer, or you’re refinancing your current home mortgage, our loan officers will stand in your corner throughout the home-buying process. As one of the best mortgage companies in Arizona, we’ll help you through every step of your home purchase. We can help you with a variety of home loan options and questions about products, including VA loans, USDA loans, FHA loans, conventional loans, jumbo loans, a home refinance, and more. We can also help with questions you may have about these different loan types, and help you to determine which will be best for you.
Initiating the home-buying process can seem daunting at first, but with the right team supporting you, you’ll be on your way to becoming a homeowner in no time. Our Arizona loan officers will work with you to help you get pre-approval for a loan and can help you get an idea of what your monthly payments (or mortgage payments), total loan amount, and more with our mortgage calculator. These amounts are determined by a number of things including how much money you have saved up for a down payment (and if you’ll receive down payment assistance from family or others), what your credit score is, what your debt-to-income ratio looks like, how much home equity you may already have (if you already own a home or property), and more. You may also have to consider mortgage insurance. Everyone’s situation is unique, and these initial conversations help our loan officers to determine the individual needs of each borrower.
This might sound like a lot but taking these initial steps with one of our loan officers will save you time and hassle down the road when you’re ready to move on a house.
Once you have your pre-approval secured and have an idea of how much “house” or real estate you can afford, it’s time to start shopping around for your new dream home. Phoenix, Arizona, and the surrounding areas are full of some of the most beautiful homes in the country, and Arizona in particular is full of great recreational opportunities, national parks, entertainment opportunities, and educational institutions. You can start looking for a home on websites such as Zillow, or alternatively, you can also drive around and see if an area of town matches what you and your family may be looking for.
Once you have an idea of how much you have to spend and where you want to live in Arizona, you’ll want to speak with a mortgage broker to discuss what kind of loan term you want to pursue (and whether or not it’ll be a fixed rate mortgage), what current mortgage rates look like, and how much you might pay in fees from things like interest rates, closing costs, origination fees, and more. It could be worth thinking ahead of time about any questions you might have about mortgage loans, homeownership, and other general curiosities you might want to discuss with one of our loan officers. These kinds of dialogues are how you as a future homeowner can get a more full picture of what the homebuying process looks like and what kind of investment you’re committing to. After these conversations, you should have all the information you need to proceed with your home purchase.
You should also feel confident knowing that you’re working with a trusted institution like Delmar Mortgage. Each of our highly experienced loan officers has a trackable NMLS (Nationwide Multistate Licensing System) number that allows you to know you’re working with a licensed professional. Protocols like these ensure consumers throughout America that they’re working with trusted financial institutions.
If you’ve lived in Arizona before, you know what to expect – beautiful winters, warm summers, ample entertainment and recreation, and some of the best food around. However, if you are moving to the Grand Canyon State from elsewhere, living in the desert can take some getting used to. Our loan officers have years of experience living in the state and will be more than happy to help you adjust to your new home.
That’s a part of our commitment to being in your corner. We’re dedicated to treating you like family and helping you to finance the home of your dreams.
If you’re ready to work with a team of people committed to building a better world with you, click here and talk to one of our loan officers about financing a home today!