Home Loans California & Arizona

I am thinking of refinancing my house, but when is it a good time refinance? You may be asking yourself this question and looking for some guidance. Everyone's financial situation is different when it comes to refinancing your house.

Are you looking short your term to pay the house off sooner, looking to reduce your rate and payment, need to pull money out to payoff debt or do some home improvement projects? Let's explore some of these by listening to this Podcast. 

Please call, text or email me with any questions, 

Nathan Rufty
Mortgage Loan Originator 

CA Call or Text: 909-503-5600

AZ Call or Text: 623-850-1210
eFax: 888-837-2861
CA & AZ NMLS #292056
Check Out Our Rates

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Posted by Nathan Rufty on November 1st, 2020 11:32 AM
Looking to refinance your house without an appraisal? This podcast will explain how to go about doing that.

Posted in:Podcast and tagged: Refinance loanappraisal
Posted by Nathan Rufty on September 6th, 2020 12:51 PM

A VA loan in Lake Havasu City, Arizona is a mortgage that's guaranteed by the U.S. Department of Veterans Affairs. Though the money you borrow to finance your home will come from a private lender, the Department of Veterans Affairs will step in and back that loan to make it easier for you to qualify.


Once you're deemed eligible for a VA home loan, you'll receive what's called your "entitlement," or the amount the Department of Veteran Affairs will guarantee on your loan in the event you go into default. However, your lender may be willing to let you borrow more than the guaranteed amount, and you'll often get to borrow four times your entitlement.


What are the benefits of VA purchase home loan program in Lake Havasu City, Arizona?


  • Zero Down VA Home Loans
  • No VA Loan Funding Fee For Certain Qualifying Service Members
  • Lower Costs
  • No Private Mortgage Insurance
  • VA Loans Are Flexible


Can I get qualified for a VA purchase home loan program in Lake Havasu City, Arizona?


You are likely eligible for a VA mortgage if:


You’re an active-duty military member or veteran who meets length-of-service requirements.


You're the surviving spouse of a service member who died while on active duty or from a service-connected disability and you have not remarried or remarried after age 57 or Dec. 16, 2003. Spouses of prisoners of war or service members missing in action are also eligible.


You meet the lender’s requirements for credit and income. The VA doesn't set a minimum credit score for VA loans, but lenders can set their own minimum standards. The lender will also consider your income and debts to evaluate your ability to repay the mortgage.


The property you want to buy meets safety standards and building codes and will be your primary residence.


To show that you meet the military service or surviving spouse requirements, you'll need to get a VA certificate of eligibility before the loan closes. You can ask a VA-approved lender to obtain the document for you or request the certificate through the VA.


To get qualified please call Nathan Rufty at (623) 850-1210.

Posted by Nathan Rufty on August 26th, 2020 10:26 AM

The main purpose of the VA home loan program in Buckeye, Arizona is to help veterans finance the purchase of homes with favorable loan terms and at a rate of interest which is usually lower than the rate charged on other types of mortgage loans. For VA housing loan purposes, the term "veteran" includes certain members of the Selected Reserve, active duty service personnel and certain categories of spouses. 


Who Is Eligible for VA purchase home loan program in  Buckeye, Arizona?


In general, the following people are eligible:

• Veterans who meet service length requirements

• Service members on active duty who have served a minimum period

• Certain Reservists and National Guard members

• Certain surviving spouses of deceased Veterans


Benefits of VA purchase home loan program in Buckeye, Arizona:


  • No Down Payment
  • No Mortgage Insurance
  • Competitive Interest Rates
  • Relaxed Credit Requirements
  • Closing Cost Limits
  • Lifetime Benefit
  • No Pre-payment Penalties
  • Foreclosure Avoidance


To see if you can qualify for a VA purchase home loan program in Buckeye, Arizona please call Nathan Rufty at (623) 850-1210.


Posted by Nathan Rufty on August 20th, 2020 6:31 AM

What is a VA Loan?

A VA loan is a $0 down payment mortgage option available to Veterans, Service Members, and select military spouses. VA home loans are issued by private lenders and guaranteed by the U.S. Department of Veterans Affairs (VA).


Today, the VA mortgage is more important than ever. In recent years, lenders nationwide have tightened their lending requirements in the wake of the housing market collapse, making the VA loan a lifeline for Veterans and active Military homebuyers, many of whom find difficulty when faced with tough credit standards and down payment requirements.


What are the Requirements for getting a VA Home Loan?

  • 580 minimum credit score.
  • Peoria, Arizona properties only on condos, single-family homes, and townhomes.
  • 60% maximum DTI.
  • VA Loan Limits
  • In most parts of the country, veterans who qualify for the VA Loan can purchase a home worth up to $484,350 without putting any money down.


VA Jumbo Loans

If you are purchasing or refinancing a home and your loan amount will be above $484,350 then a VA Jumbo Loan might be just what you need.


VA Home Loan Funding Fees

The funding fee is typically 2.3 percent of the purchase price of the home. For subsequent use of your VA Loan benefit, the fee is 3.6 percent. VA borrowers can roll the funding fee into their overall loan amount.


Benefits of a VA Home Loan in Peoria, Arizona:

  • Guaranteed by the U.S. Department of Veterans Affairs (VA)
  • Do not require a down payment on VA purchase loans
  • Do not require private mortgage insurance
  • Do not allow a prepayment penalty
  • 100% loan to value on VA refinance loan


VA Home Loan Eligibility in Peoria, Arizona

To get qualified for Veterans Purchase Home Loan Program please contact Nathan Rufty at (623) 850-1210.

Posted by Nathan Rufty on August 13th, 2020 6:07 AM



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