JULIE ANTUNES - MBA | Associate Broker
YOUR AZ REAL ESTATE PROFESSIONAL
Direct (480)225-0007    Email: Julie@JulieAntunes.com
Real Estate Mortgage Programs

This section features mortgage program information for home buyers interested in real estate in Cave Creek, Scottsdale, Phoenix, Carefree, Glendale, Fountain Hills and surrounding Maricopa County, AZ areas. 

In order to help you with your next home purchase, I have put together a simple review of some of the major mortgage programs.

Variable or Adjustable-Rate Real Estate Mortgage
With an adjustable rate mortgage, the rate of the loan can change throughout the term of the loan. Many ARMs have a short fixed period and then become truly adjustable. The rate of the loan is based on adding points to a fixed base.

Fixed-Rate Real Estate Mortgage
With this type of loan, the interest rate remains consistent throughout the term of the loan.

Balloon Real Estate Loan
A balloon loan is a real estate loan where there is a lump sum due at the end of the loan. This normally encourages an individual to refinance prior to the end of the term of the loan.

Jumbo Real Estate Loans
A jumbo loan is any residential or commercial loan exceeding the guidelines of Fannie Mae and Freddie Mac.

FHA Real Estate Loans
An FHA loan is a loan in the United States that is insured by the Federal Housing Administration.

VA Real Estate Loans
A VA loan is a loan in the United States guaranteed by the Veterans Administration. The loan may be issued by qualified lenders. The VA was designed to offer long-term financing to American Veterans or to their surviving spouses.


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Russ Lyon Sotheby's International Realty
34305 N. Scottsdale Rd. • Scottsdale, AZ 85266
Direct (480)225-0007 • Email: Julie@JulieAntunes.com
Fax : (480) 483-4890