Loan Programs Made Simple.
AFM Lending, powered by PMR — programs we actually originate for Phoenix and Glendale:
Conventional · FHA · VA · Non-QM · HELOC · Reverse · DPA & Equity Access · Construction · Hard money · Lease-to-own · ITIN · Foreign nationals
Which Mortgage is Right for You?
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.
Mortgage Rate Options
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...
Loan Program Options
Conventional Loans
A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
FHA Home Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
Jumbo Loans
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in...
USDA Loans
USDA home loans are mortgages which are backed by the United States Department of Agriculture (USDA), allowing eligible borrowers to purchase a home in qualifying rural and suburban areas with zero down payment and competitive interest rates.
DSCR Loans
DSCR loans are investment property mortgages which are qualified by the Debt Service Coverage Ratio (DSCR), allowing real estate investors to secure financing based on the property's rental income rather than their personal income or tax returns.
No prepayment penalties. Pay off your loan early at no extra cost.
Giancarlo believes your mortgage should work for you not against you. That means no surprise fees, no prepayment penalties, and complete freedom to pay on your terms.