LENDERS

Mortgage Lending is a very specialized skill.
Choose your lender carefully and, most importantly, not JUST
based on current rates. We strongly suggest you borrow
in the city and state in which you are buying a home,
as different rules and laws exist one state to another.
If you are buying in the Phoenix area, we suggest you consider
lenders that have a proven record of dependability and performance.
These are two of many that are available locally and suggested by our customers.
We do not suggest the use of internet lenders.

Note: 1) At the bottom of this page is a table outlining how long you must wait
after you lose a home through foreclosure or other unpleasent action before
you can purchase your next home.

2) Also at the page bottom is a guideline regarding "gifts" used by purchasers
toward their down payments.

AMERIFIRST FINANCIAL, INC.

Kevin Lambe - Senior Mortgage Consultant

Contact Kevin at his office at 480-344-1992
or on his cell 602-989-1688.
or fax him at 602-374-7092
Email Kevin at klambe@amerifirst.us

Kevin's website is:http://www.kevinlambe.com





OR

QUALIFIED MORTGAGE

Jon Berry

Contact Jon at 602-431-8610
or fax him at 602-431-8710
Email Jon at Jon@Qmortgage.net

Jon's website is: http://www.qmortgage.net/

Most loans these days can be processed entirely by phone, mail and fax.
Using a loan officer with a proven history can prevent the pain of a delayed move-in,
the loss of a carefully selected home, or worse, losing your earnest money deposit.
Don't let this happen to you!
If you are relocating to another state, or to a city elsewhere in Arizona,
we can also direct you to a qualified lender in your city
of purchase through our national relocation associates.
Call or email us for assistance.

NOTE - A MUST READ IF YOU HAVE LOST YOUR HOME!!!

This is a one page reference on how long you must wait after a Bankruptcy, Short Sale, Foreclosure or Deed In Lieu,
with Conventional, FHA, and VA.

This is provided as a courtesy by Amerifirst Financial.

This is a one page reference on how deal with the issue of down payment gifts.

Most "owner occupied" purchase loans are now FHA.
Most borrowers use or try to use GIFT funds.

These are the guidelines that must be followed.
This is provided as a courtesy by Academy Mortgage.

Denis Marque,
RealtorŪ, ABR, e-PRO
EMailTo: Denis@DenisMarque.com

PHONE: 480-899-8844

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