Mortgage program center
Arizona mortgage programs, compared honestly.
Each program below is currently offered by JHL Mortgage, Inc. Filter by what you are trying to do, then open a program to see who it is designed for, what it costs you in trade-offs and how the process runs.
Filter by need
Buying
Conventional Loans
A conventional loan is a mortgage that is not insured by a government agency and instead follows guidelines set by Fannie Mae or Freddie Mac.
Program detailsBuying
FHA Loans
An FHA loan is a mortgage insured by the Federal Housing Administration and originated through approved lenders.
Program detailsBuying
VA Loans
A VA loan is a mortgage guaranteed by the U.S.
Program detailsBuying
USDA Loans
A USDA loan is a mortgage backed by the U.S.
Program detailsBuying
Jumbo Loans
A jumbo loan is a mortgage with a balance above the conforming limit set for the county, which means it is underwritten to an individual investor's guidelines rather than agency rules.
Program detailsBuying
Fixed-Rate Mortgages
A fixed-rate mortgage keeps the same interest rate and the same principal-and-interest payment for the entire loan term.
Program detailsBuying
Adjustable-Rate Mortgages
An adjustable-rate mortgage carries a fixed rate for an initial period and then adjusts periodically based on an index and margin, subject to caps.
Program detailsRefinancing
VA IRRRL Refinance
The VA Interest Rate Reduction Refinance Loan, or IRRRL, is a streamlined refinance available to homeowners who already hold a VA loan.
Program detailsBuying
Purchase Loans
A purchase loan is the financing used to buy a home.
Program detailsRefinancing
Rate-and-Term Refinancing
A rate-and-term refinance replaces your existing mortgage with a new one to change the interest rate, the loan term or both, without taking significant cash out.
Program detailsRefinancing
Cash-Out Refinancing
A cash-out refinance replaces your current mortgage with a larger one and returns the difference to you at closing, using the equity in your home.
Program detailsNot yet published
Programs drafted and awaiting Jim's confirmation.
These pages are written and ready. They stay unpublished until Jim confirms that JHL Mortgage, Inc. currently offers the program and approves the description, so nothing on this site advertises financing that may not be available.
- Arizona Down Payment Assistance draft
- Bank Statement Loans draft
- Non-QM Loans draft
- DSCR Investor Loans draft
- Construction Loans draft
- Renovation Loans draft
- Bridge Loans draft
- HELOCs and Home Equity Loans draft
- Reverse Mortgages draft
- FHA Streamline Refinancing draft
- Temporary Buydowns draft
- Manufactured Home Financing draft
- Condo Financing draft
- Second-Home Financing draft
- Interest-Only Financing draft
Program availability, guidelines and pricing are set by lenders and are subject to change. Interest rates, loan limits, down payment requirements and qualification rules are intentionally not published on this site because they change frequently and require a maintained data source.
Start With a Conversation, Not an Application.
Tell Jim what you are trying to accomplish. He will help you understand the numbers, compare your options and determine the right next step.