West USA Realty

Mortgage Center



 Our You a First Time Home Buyer?

Its time to become a Home Owner.

Find out about this exclusive "Zero Down Home Buyers Program."

-$ Zero Down 

-$ Zero Closing Costs

  -No Mortgage Payment for 3 Months

  -Free Home Warranty

  -$250 off your next Appraisal.       

Phoenix Bond ProgramHOME in Five logo 

Housing Development
Phoenix Industrial Development Authority (PIDA) bonds & other funding
Home in Five Mortgage Assistance for First-Time Homebuyers

 

Dream Homes With Affordable Payments

The Industrial Development Authorities of the City of Phoenix and Maricopa County have joined together to offer to help first-time homebuyers obtain FHA, VA or other eligible loan or conventional financing to purchase a home anywhere in Maricopa County. Individuals or families who qualify would be able to obtain 30-year fixed loan at a competitive rate, along with five-percent assistance for down payment and closing costs.

Financing for these fully assumable loans is available on new or existing homes, condominiums, townhouses or manufactured homes on a first-come, first-served basis.

Qualified Veterans are exempt from the first-time homebuyer requirement. Please contact a participating lender or the City of Phoenix IDA for additional information.

   Ask About Good Neighbor Next Door

Law enforcement officers, pre-Kindergarten through 12th grade teachers and firefighters/emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD's Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return you must commit to live in the property for 36 months as your sole residence.

 Ask about the Arizona rural community loan program:

103% Loan Program with USDA Home Loan Program for the Rural Community

L & G Mortgage Tools:

  • Fixed Rate Loan Payment Calculator
    This calculator computes the payments and interest for a fixed rate loan, using monthly interest compounding and monthly payments.

    Home Affordability CalculatorThis calculator computes the most expensive home you can purchase based on the highest payment you can afford, but does not indicate whether you will qualify for the loan.

    Mortgage Qualification Calculator
    Most lenders base their home loan qualification on both your total monthly gross income and your monthly fixed debt expenses.

    Mortgage Tax Savings CalculatorInterest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes.

    Rent Vs. Purchase Calculator
    This calculator compares the cost of renting vs. the real cost of buying a home.

    Loan Comparison Calculator
    This calculator will help you compare the total costs of two or three loans. This analysis includes the effect of a tax deduction. If the interest is not deductible, or if you do not want to show the effect of the tax deduction, choose an income tax of zero

    With over 175 mortgage articles and live mortgage rates, this will provide answers to your mortgage questions.

     


    • Our simple mortgage calculator calculates your monthly payment based on your input.

    Prequalify for your home loan today!
    Greg Sidoff