Fixed Rate Mortgages are still at historic lows.  Here is an example of a "no points" rate offered by at least 1 of our many lenders.

NOTE:  These rates are subject to change at any time.  They also assume no more than a 80% Loan to Value (LTV) and depend upon qualifying credit and required financial documentation.

NOTE:  These rates are subject to change at any time.  They also assume no more than a 80% Loan to Value (LTV) and depend upon qualifying credit and required financial documentation.

Interest Only Fixed Rate Loans provide the assurance of a fixed rate with a lower initial payment.  Most fixed rate interest only loans require an interest only payment for the first 10 years of the loan.  Principal and Interest are then amoritized over the next 20 years of the loan.

NOTE:  These rates are subject to change at any time.  They also assume no more than a 80% Loan to Value (LTV) and depend upon qualifying credit and required financial documentation.

If you were considering an Adjustable Rate Mortgage (ARM) in order to keep your payment "low" consider it again.  Fixed Rate Mortgages are still at historic lows.  Many who took out an ARM three years ago are facing rates in the 7%+ range today.  Contact us to discuss the details of your situation.  See if a fixed rate (or an ARM) is the better option for you.

A reverse mortgage can be a very useful tool for a homeowner over the age of 62 with significant equity in their home. Current market conditions make selling a home unrealistic but the need to access equity for living expenses or emergency needs still exists. This program requires special counseling prior to the issuance of a loan so if you feel this program is an answer to your need or would simply like some additional information please give us a call at 520-498-9992 or send us an e mail.

The commercial mortgage market not only has not suffered from many of the problems facing the home mortgage market but it's the place where many banks and lenders are turning for secure investment of their lending dollars. Programs that were only occasionally available for select customers are readily available today. Commercial property second mortgages, limited documention loans, and funds for lower credit scored borrowers are readily available. Financing for purchase transactions as high as 90% of the sales price is easily obtained and refinances will allow cash out from 70% to 80% of property value. Although Edwards Financial is licensed to originate residential loans in only a few states we can assist you with your commercial financing needs throughout the country. As always we are ready to answer your questions and provide options to aid in your commercial financing needs.

In today's market there are many tools available to the first time buyer to help with downpayment and closing costs. Bond programs, grants, and low interest rate loans are just a few of the many tools that can make buying a home easier and affordable. If you are interested in finding out what options are available to you please give us a call and we'll happily assist you and we can refer you to the proper agencies that have grant and downpayment assistance funds available now.