Your Trusted Partner for Home Financing in Arizona & CALIFORNIA
Fast. Efficient. Expert.
Your Trusted Partner for Home Financing in Arizona & CALIFORNIA
Fast. Efficient. Expert.
350+
13+ Years
1000+
Many Different Loan Programs Available to Clients
1000+
13+ Years
1000+
Happy mortgage Clients Over 10+ Years
13+ Years
13+ Years
13+ Years
Over a Decade of Industry Expertise
We Specialize in the following Home financing options
Second Mortgage Options
Has your home value gone up? Want to utilize the equity of your home? Do you love your existing mortgage?
If this sounds like your situation, Desert Rose Lending LLC may have 2nd mortgage options for you.
Conventional Mortgage Loans
Think of a conventional loan as the perfect all-around mortgage type. With a low down payment, no mortgage insurance options, and plenty of terms to choose from. It's hard to beat a conventional loan for someone who wants some flexibility in their home purchase. If your financial history is good, Desert Rose Lending LLC can set you up with a fantastic conventional loan.
FHA Mortgage Loans
Generally thought of as a first-time home buyer loan because of very low down payment options, FHA loans are an amazing way to start the adventure of home ownership.
You're finally prepared to move out of your rental and into a place you can call your own. Where do you start? How do you know if you qualify for a mortgage? How much should you put down?
Desert Rose Lending LLC is a trusted mortgage broker in Arizona. We specialize in helping first-time home buyers navigate the often-complex world of mortgages and homeownership. We can help you comprehend the ins and outs of an FHA loan and whether it's the right option for you.
VA Mortgage Loans
As a veteran, you may be eligible for a unique home loan with little to no down payment requirements and no monthly mortgage insurance. The US Department of Veteran Affairs (VA) backs these loans, making them an excellent option for veterans.
At Desert Rose Lending LLC, we work with veterans during the loan application process. We'll guide you through all the requirements and documentation so that you can take advantage of this incredible opportunity. We appreciate your service.
Non-QM / Alternative Qualification Mortgages
A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans. Common examples include bank statements or using your assets as income.
* Bank Statement Income Loans
* Asset Depletion Loans
* Common Sense Underwriting Loans
At Desert Rose Lending, we might be able to qualify you even if you're a little outside of the box!
Jumbo Mortgage Loans
Jumbo loans have higher balance options than the conventional county limit of $726,200 (2023). You can use the amount for various purposes, including:
• Purchasing a new home,
• Refinancing your current mortgage
• Taking cash out of your home.
At Desert Rose Lending, we offer highly competitive rates on jumbo loans up to $3 million. So, if you're thinking big, we can help.