Affiliations:
Products and services that are right for you
Straight-Forward Mortgage Advice
We’re a Mortgage Brokerage based out of Scottsdale, Arizona providing services in both Arizona and California specializing in straight talk to help you find the best mortgage product at the lowest rate and costs. Our Scottsdale mortgage company was founded by an experienced mortgage broker, Attorney, and CPA. He noticed there was a need for professional counsel in helping borrowers find the right mortgage in Arizona and California. In light of the current credit crisis, this counsel is invaluable. Your financing decision cannot be left in untrained hands. Contact us today and our expert Scottsdale Mortgage Brokers will contact you shortly.
You will see our website serves as an interactive exchange of information regarding mortgage lending in Arizona and California. We realize that, on average, you look for a mortgage once every several years and do not stay on top of the mortgage market. This website provides you many opportunities to get up-to-date on mortgage lending. From the e-mail news service, to the blog and videos where information is shared, Counsel Mortgage strives to keep you informed. We believe that an informed customer is a satisfied customer.
Loan Programs
Conventional Home Loans
Conventional home loans are residential loans used to finance primary residences, second homes, and investment properties. They can be conforming loans, i.e. loan amounts $510,400 and lower in Arizona, or jumbo loans which are in excess of $510,400.
Adjustable Rate Mortgages
Adjustable rate mortgages (known as “ARMs”) are loans that are fixed for a certain number of years, and then the rate adjusts for the balance of the amortization term.
VA Loans
If you are a veteran, and do not have much money saved, this is the loan for you. It allows for 100% financing, and if the seller pays the closing costs and prepaid expenses, no out-of-pocket costs.
FHA Loans
FHA loans are government loans insured by the Department of Housing and Urban Development (“HUD”). The minimum down payment for these loans is 3.5% of the sales price.
USDA Loans
The USDA is more known for agriculture, but they also have a home loan program. Known as the Rural Development loan, the loan allows you to purchase a home with no down payment, without monthly mortgage insurance.
Jumbo Loans
Gone are the days of stated income and no income verification. Today, if you want a jumbo loan, you will have to provide full documentation and demonstrate an income.
The Counsel Mortgage Group Promise
Straight-Forward Mortgage Advice
We’re a Mortgage Brokerage based out of Scottsdale, Arizona providing services in both Arizona and California specializing in straight talk to help you find the best mortgage product at the lowest rate and costs.
ACID® Test
Qualifications are taken pursuant to the ACID® Test. Contact us to see if you qualify.