Mortgage guidance · Seth Lester
Find a mortgage that fits your next move.
Buying your first home, moving again or reviewing an existing mortgage? Start with your goal, then compare the financing.
Prefer to talk first? Call or text 480-335-9828.
Seth Lester · Branch Manager & Loan Officer · NMLS #390622
A place to start
Which options are worth exploring?
Choose your goal and the situation that sounds closest to yours.
This tool helps you explore information. It does not assess eligibility, quote terms or provide a loan approval.
Explore all loan programs
Conventional
Compare loan structure, mortgage insurance, cash to close and your full monthly payment.
Explore conventional →02 / PURCHASEFHA
Understand FHA financing and how its mortgage insurance affects the comparison.
Explore fha →03 / MILITARY BENEFITSVA
Explore purchase financing for eligible service members, veterans and surviving spouses.
Explore va →04 / RURAL HOUSINGUSDA
Start with the property address and household income eligibility.
Explore usda →05 / BUYING YOUR FIRST HOMEFirst-time buyers
Build a plan for your budget, documents, down payment and next steps.
Explore first-time buyers →06 / EXISTING HOMEOWNERSRefinance
Compare the costs and tradeoffs of changing your current mortgage.
Explore refinance →HOME EQUITYHELOC
Explore funding in as few as 5 business days, subject to verification, closing requirements and eligibility.
Explore home equity →ALTERNATIVE FINANCINGNon-QM / investor
Discuss bank statement, rental property and ITIN financing questions.
Explore the possibilities →Compare the whole mortgage.
The interest rate is one part of the decision. Compare cash to close, mortgage insurance, the monthly payment including estimated taxes and insurance, and how long you expect to keep the loan.
Need a different purchase path?
Explore down payment assistance questions or learn about HECM for Purchase. Availability and eligibility need an individual review.
Read the complete purchase loan comparison · Try mortgage calculators
Let’s talk through your situation.
Tell me where the property is, your timeline and what you want the mortgage to accomplish. We can discuss the options and the information needed for a full review.
Prefer to talk first? Call or text 480-335-9828.
Program availability and eligibility vary by borrower, property and lender. This is not a commitment to lend. All loans are subject to credit approval. Terms and conditions apply.