At Mesa Mortgage, Inc., we are a family-owned and operated business with decades of experience in the home mortgage industry. Established in June 1999, we are conveniently located in Mesa, Arizona, and boast an unparalleled level of expertise in securing the best loan options for our clients.
Our Commitment to Excellence
As a Better Business Bureau-accredited business with a pristine A+ rating and zero complaints, we take pride in our commitment to excellence. We understand the importance of providing personalized service, and our dedicated team is dedicated to making the mortgage process as seamless as possible.
Competitive Rates
We offer the most competitive rates by dealing with the least expensive wholesalers in the country, ensuring that our clients receive the best possible deal. Our experienced team takes the time to understand each client's unique needs and goals, providing tailored loan solutions that meet their specific requirements.
Loan Options
Whether you're purchasing your first home, a vacation home, or refinancing your current mortgage, we offer a range of loan options to suit your needs. Our loan types include:
Conventional Loan
Conventional loans are not insured or guaranteed by the federal or state government. These loans typically require a higher down payment, usually between 5%-20%, and have higher income and credit score requirements than government loans. Conventional loans can have a fixed interest rate or an adjustable interest rate, with typical fixed-rate loans having terms of 30 or 15 years.
FHA Loan
FHA-insured loans offer a level of security and flexibility, making them particularly beneficial for first-time homebuyers and those with imperfect credit or limited down payment funds. With flexible qualification guidelines, these loans offer:
- Low down payments (as low as 3.5% of the purchase price)
- Fixed-rate and adjustable-rate mortgages available
- 100% gift funds acceptable for down payment and closing costs
- No prepayment penalty
VA Loan
VA home loan programs assist veterans in financing the purchase of homes with favorable loan terms and lower interest rates. These loans offer:
- No down payment required (provided the veteran is income- and credit-qualified and the purchase price is more than the reasonable value of the property)
- Negotiable interest rate
- Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5% and exemption for veterans receiving VA compensation)
- Comparable closing costs with other financing types (or may be lower)
- No mortgage insurance required
- Gifts and seller contributions accepted toward closing costs
- An assumable mortgage (with the approval of the VA)
- Right to prepay without penalty
- VA assistance to veteran homebuyers in default due to temporary financial difficulty
Construction Loans
We also offer construction loans designed to help finance the building of your new home. These loans are designed to cover the costs of construction, including labor, materials, and inspections, with disbursements made in phases as the project progresses.
Online Application
For your convenience, we offer an online application process that streamlines the loan approval process. Simply fill out the required information, and our team will review and process your application promptly.
Helpful Tips
To make the loan process smoother, we provide a step-by-step guide to the loan process, breaking it down into six stages:
1. Pre-qualification/interview: Application interview and lender obtains all pertinent documentation
2. Order documents: Credit report, appraisal on the subject property, verifications of employment, mortgage and/or rental rating from landlord, funds to close, and commitment of title insurance
3. Documentation: All supporting documents are gathered
4. Loan submission: The entire loan package is assembled and submitted to the underwriter for approval
5. Loan approval: Parties are notified of the loan approval and conditions
6. Funding: Lender reviews the loan package, funds are wired to the title company, and the recording process begins
At Mesa Mortgage, Inc., we are dedicated to providing exceptional service, competitive rates, and a range of loan options to meet your unique needs. We look forward to assisting you in securing the best loan for your new home.
Excellent Service and Friendly Staff
The reviews primarily focus on the exceptional service provided by Leonard at Mesa Mortgage. Ike T. gives a 5-star rating to Leonard and his team, stating that they are knowledgeable, patient, and understanding of the mortgage process.
Personalized Attention and Friendly Approach
Leonard is described as treating customers like friends, showing a genuine interest in their needs and providing personalized attention throughout the mortgage application process. The staff is also praised for their friendliness and willingness to help, making the experience less daunting and more manageable for customers.
Comprehensive and Efficient Service
The reviewers emphasize the importance of receiving accurate and thorough information about the mortgage process, and Leonard's team is commended for being patient and understanding as customers provide the necessary documents and information. The process is described as efficient, with the team working diligently to get customers approved.
Highly Recommended
Overall, Ike T. highly recommends Leonard at Mesa Mortgage due to their exceptional service, friendly staff, and expertise in the mortgage industry.
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