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The Sue Lechman Team Your Arizona Mortgage Source Specializing in Scottsdale, AZ, Chandler, AZ, Gilbert, AZ, Mesa, AZ, Tempe AZ and Phoenix, AZ Maricopa County
Sue Lechman
Senior Mortgage Consultant Continuing Education Instructor E-mail: sue@suehomeloans.com 480-797-6000 Direct Toll Free 877-599-4332 480-339-1636 E-Fax Micah Lowmack Loan Assistant Direct: 480-339-5569 E-Fax: 480-5579 mlowmack@amerifirst.us Jacki Semerau Realtor Marketing Specialist Direct: 602-904-3454 jackisemerau@gmail.com AMERIFIRST FINANCIAL, INC 15111 N Pima Rd Suite 110 Scottsdale, AZ 85260 NMLS 257931 LO-0912614 Amerifirst: BK0013635 NMLS: 145368 ![]() |
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The Sue Lechman Team is dedicated to helping you review your mortgage options at the initial phone call, whether it be FHA mortgage loans, VA mortgage loans, USDA loans or a Conventional mortgage loan you are inquiring about. It is important to Sue and her team that your questions are answered up front and it is determined whether an FHA loan, VA loan, USDA loan or Conventional loan is the right fit for your financial strategy.
Sue has been originating FHA, VA, USDA and Conventional mortgage loans in Arizona for 13 years. She graduated from Arizona State University, Summa Cum Laude, in 1997 with a teaching degree and uses these skills to educate her clients on the difference between the loan programs. After talking with Sue you would not only walk away with an understanding of how FHA mortgage loans, VA mortgage loans, USDA mortgage loans and Conventional mortgage loans work, but also a better understanding of the loan process in general. Her team understands the importance of communication and promises to update you and the Real Estate agents involved at every important step of the way.
Arizona Mortgage Information: FHA mortgage loans: The FHA mortgage loan limit in Maricopa County, Arizona is currently $346,250. FHA loans are great for first time home buyers and repeat buyers alike because they only require a down payment of 3.5% which can be from their own funds or gifted. Additionally the seller can pay for up to 6% of the purchase price applied towards closing costs and pre-paids. With the exception of a VA mortgage loan or USDA mortgage loan this is the closest loan program to zero down payment that is currently offered. More information on FHA mortgage loans. VA mortgage loans: The VA mortgage loan is truly a zero down payment loan. The maximum loan limit in Maricopa County is $417,000 (VA does offer jumbo loans but they are not available in Maricopa County, AZ). Those who qualify for a VA loan can not only take advantage of no money down they also do not have a monthly mortgage insurance premium that FHA loans require. Just like FHA mortgage loans the seller can also contribute towards closing costs and pre-paids. USDA mortgage loans: A USDA mortgage loan is a Government insured 100% loan. If looking to purchase in Maricopa County or Pinal county these are only offered in certain "eligible" areas and income cannot exceed 115% of the published Guaranteed Rural Housing limits. Some homes in the following cities may qualify: Buckeye, AZ, Anthem, AZ, Queen Creek, AZ and Casa Grande, AZ. More information on 100% USDA loans. Conventional mortgage loans: Conventional mortgage loans require a minimum down payment due to restrictions by mortgage insurance companies:
Mesa FHA Loan Mesa Conventional Loan Chandler FHA Loan Chandler Conventional Loan Phoenix FHA Loan Phoenix Conventional Loan Gilbert FHA Loan Gilbert Conventional Loan Tempe FHA Loan Tempe Conventional Loan Buckeye USDA Loan Anthem USDA Loan Queen Creek USDA Loan Casa Grande USDA Loan
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