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

       


 

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 Lechman's Team specializes in financing home loans in the state of Arizona.  So whether you are looking to purchase in Scottsdale, AZ,  Chandler, AZ, Gilbert, AZ, Mesa, AZ, Tempe, AZ, Cave Creek, AZ or the Phoenix, AZ area they are ready to help.

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.

The Sue Lechman Team joined AMERIFIRST FINANCIAL, located in Scottsdale, AZ, because AMERIFIRST FINANCIAL is a mortgage banker that underwrites FHA loans, VA loans, USDA loans and Conventional loans in house.  That means that all the members of her team: her Loan Assistant, Processor, Underwriter, Doc Drawer and Funder work out of the Scottsdale, AZ location.  The file never leaves the office.  This allows her to easily close loans in less than 30 days.  Being a mortgage banker also allows her team to shop (through a pricing engine) the bigger banks (such as Wells Fargo, Chase, GMAC, etc) on your behalf so you know you are getting the best rate and don’t have to take the time to do it yourself. 

Whether you are looking to purchase in Scottsdale, AZ, use 100% USDA loan financing in Queen Creek, AZ, refinance in Mesa, AZ or have a mortgage question in general, please don't hesitate to call or e-mail the Sue Lechman Team.  We welcome your call anytime!  


"If you feel like you are my #1 client - I have accomplished my goal!" – Sue

 
 

 

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:
  • Primary purchase Conventional loan: requires at least 5% and must be from borrower's own funds
  • Second Home purchase Conventional loan: requires at least 10% down payment
  • Investment Home purchase Conventional loan: requires at least 20% down payment (rates much better with 25% down)
    More information on Conventional mortgage loans.

    Please note that Maricopa County includes:
  • Avondale, AZ
  • Buckeye, AZ
  • Carefree, AZ
  • Cave Creek, AZ
  • Chandler, AZ
  • El Mirage, AZ
  • Fountain Hills, AZ
  • Gilbert, AZ
  • Glendale, AZ
  • Goodyear, AZ
  • Litchfield Park, AZ
  • Mesa, AZ
  • Paradise Valley, AZ
  • Peoria, AZ
  • Phoenix, AZ
  • Scottsdale, AZ
  • Surprise, AZ
  • Tempe, AZ
  • Tolleson, AZ
Scottsdale FHA Loan                          Scottsdale Conventional Loan

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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