Hartwest Financial, Inc. NMLS: #116830
Cindy Schweikert MLO/NMLS: #116611
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Arizona Home Mortgage Rates, Refinancing, & Loans

Rates and Fees are not the only thing to consider when choosing a mortgage company. Another consideration is how much credit towards your closing cost will they be giving you. To give you an example of this, take two lenders with the same rate and fees and one will give you a credit towards your closing costs of $3000 and the other $1500.00. It does not take rocket science to know that the better deal is with the lender that is giving you a credit of $3000. This credit can change with interest rate selected. It is possible to have no out of pocket expense which many lenders refer to as no closing costs.

The Loan Process

Searching for and choosing the right home loan can be just as intimidating as finding the perfect home. The loan process can be a frustrating and time consuming period in any client’s life, and it can be hard to know where to first begin. Here are a few questions that may help you to determine just which home loan is right for you.

  • • How much of a down payment can I afford?
  • • How much of a mortgage payment can I afford each month?
  • • Do I want low payments for a longer term or high payments for a shorter term?
  • • How long do I intend to own my home?
Your answers to these questions may allow you and your lender to determine which loan option suits your situation best. Let Hart West Financial, Inc.’s family, help you make the right decision!

Arizona Association of Mortgage Professionals
Equal Housing Lender
The Association of Mortgage Professionals