APPLY ONLINE!    HOME    LOAN PRODUCTS    CONTACT US    FAQ    REFERRAL DIRECTORY  

First Class Financial Services offers a variety of loan programs to accomodate virtually ANY borrower.

We have access to hundreds of local and national lenders to provide you the highest quality, best priced loan for your situation.

 

 

Check us out on FACEBOOK!

 

 
CONVENTIONAL LOANS
CONVENTIONAL PURCHASE PRODUCTS
JUMBO (OVER $453,100 LOAN AMOUNT) PRODUCTS
FHA (Purchase or Refinance)
INVESTMENT HOME PRODUCTS

Rates last updated on Monday, December 11, 2017

CONVENTIONAL LOANS
  • Loans with as little as 1% down payment (with PMI)- (FHA loans are a great alternative here) Conventional financing typically requires a higher credit score and larger down payment.  Maximum loan limit of $453,100
  • USDA- 102% financing! Finance 100% of your purchase price PLUS 2% of your closing costs!  30 yr fixed purchase product.  620 or higher credit score.  Geographical area limitations as well as income limitations apply.
  • Are you in an Adjustable Rate Mortgage still?  TIME TO REFINANCE!
  • Refinance to combine your 1st and 2nd together? PMI is now tax deductible.*
  • Click here to get started today!

* Consult your tax advisor.

Term: 30 years   Maximum Amount: $453,100

CONVENTIONAL PURCHASE PRODUCTS

Conforming loan limit is now $453,100... minimum of 3% down payment requirement with PMI.

Remember, PMI is tax deductible* * Consult your tax advisor.


Adjustable rate and fixed rate mortgages with Interest Only Options.

With the amount of inventory in the Arizona market, there is literally no reason YOU should not be a homeowner!

Click here to get started today.

Term: 30 years   Maximum Amount: $453,100

JUMBO (OVER $453,100 LOAN AMOUNT) PRODUCTS

Any loan over the conventional loan limit of $453,100 is automatically considered a Jumbo loan. 

NEW** Ask about an alternative option to Jumbo up to 1million with no PMI!


Fixed and adjustable rates available.


Creative financing to avoid PMI or to reduce 1st mortgage below $453,100 to qualify within the conforming loan limit.

Click here to get started today! 

Term: 30 years   Maximum Amount: $5,000,000

FHA (Purchase or Refinance)

FHA loans allow for lower credit score as well as only requiring a 3.5% down payment!  The down payment can be gifted from a blood relative and the closing costs can be paid by the seller!  

The FHA loan limit currently in Maricopa county is $279,450 -this makes this loan a viable option for all borrowers!

Click here to get started today!



Term: 30 years   Maximum Amount: $279,450

INVESTMENT HOME PRODUCTS

Thinking of an investment property?  With over 50,000 listings in MLS- now is the time!! 


Fixed and adjustable rates available.

Homepath financing also available.  With Homepath an investor can purchase a property with 10% down, no private mortgage insurance and no appraisal! GREAT for fixer up properties!  Find Homepath properties by visiting Homepath website.

Click here to get started today!

 

 

Term: 30 years   Maximum Amount: $453,100



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $12,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,001 with closing costs of $12,340. Your actual APR may be different depending upon these factors.