Residential Home mortgage Purchase Financing

Home Loans and Financing Solutions

Determining how you will pay for the real estate you wish to purchase is one of the most essential parts of the home buying process. This is the first step any buyer should take. There are a lot of home mortgage purchase financing options. Talbot Team is here to sort out your options and walk you through common sense explanations of the financing programs which are available. With an arsenal of financial resources under their belt, Talbot Team is sure to find the solution that is right for you.

Let's take a closer look at some of the options....

Standard Conventional - FHA - VA Home Loans

FHA, conventional and VA loans account for the majority of home mortgage loans; not only in Arizona, but the entire U.S. These three home loan categories offer a variety of options depending on specific qualifying data and criteria.

FHA and Conventional loan categories require down payments, while VA loans are reserved for active;as well as, discharged members of the military and do not require a down payment. In general, these loans offer better interest and/or mortgage insurance rates; in addition to, greater purchasing power through higher debt-to-income ratios. Needless to say, it takes a professional with years of training and experience to ensure you are getting the most for your qualifications

Down Payment Assistance Grants and
First Time Home Buyer Programs

If you don’t have any, or enough, money saved up to buy a house…don’t worry! Down payment assistance grants and first time home buyer programs are available. Many folks think these programs are only for low income wage earners or are offered with only run down housing, in less than desirable areas. Talbot Team is here to expose all the myths and shed light on the true power of these programs that help make homeownership a reality.

Innovative Home Financing Programs

There are endless needs for home purchase financing beyond FHA, conventional, and down payment assistance grant programs. For example:

Let us know what your needs are and we will place you with the resources available in today’s market.

Let Us Place You In the Right Mortgage Program
With the Right Lending Professional


AZ Lic #: SA102580000

Talbot Ortiz

AZ Lic #: SA028794000

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