Your Local Mortgage Lender
Located in Arizona
Personalized Mortgage Experience
Nathan Rufty offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Arizona.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Government Buying Mortgage Bonds: What It Actually Means for Mortgage Rates
Government Buying Mortgage Bonds: What It Actually Means for Mortgage Rates
You might have heard headlines that the government is buying billions in mortgage bonds and people naturally ask one question: does that lower mortgage rates?
It can, but it depends on who is buying, how much, and whether the buying continues.
There has been recent attention on proposed or expanded mortgage bond purchases by housing finance entities connected to the government, including plans discussed around Fannie Mae and Freddie Mac.
First, what are “mortgage bonds”
Most 30 year fixed mortgages end up bundled into agency mortgage backed securities (often called MBS). Investors buy these bonds for yield, and lenders price mortgages off the bond market plus a spread that covers risk, servicing, and costs.
A helpful way to think about it:
MBS prices up means yields down
MBS yields down can support lower mortgage rates (all else equal)
Why buying bonds can push rates down
When a very large buyer steps into the MBS market, demand rises. Higher demand generally supports higher bond prices and lower yields. Lower yields can translate into lower mortgage rates.
This is part of why the Fed’s MBS buying in early 2020 mattered. The Dallas Fed documented how the Fed purchased large amounts of agency MBS during March and April 2020 and discussed how mortgage rates fell during that period as market conditions stabilized.
The catch: the impact can be temporary
Buying only helps as long as demand stays strong. When buying slows, stops, or reverses, yields can move back up quickly.
Even without active selling, a shift toward balance sheet runoff reduces a steady source of demand. The Fed has discussed how its agency MBS holdings evolved over time and how policy shifts changed the path of those holdings.
What is happening lately, and why people are confused
Two things can be true at once:
The Federal Reserve still holds a very large amount of mortgage backed securities, and those holdings are tracked weekly.
Some recent headlines about “government buying mortgage bonds” are about housing finance entities and policy actions around Fannie Mae and Freddie Mac, not the Fed restarting a 2020 style MBS purchase program.
Recent Fed minutes also suggested skepticism that these bond purchase ideas would meaningfully improve affordability.
Where the 10 year Treasury fits in
Mortgage rates often move with the 10 year Treasury yield because both are long term, and because investors compare mortgage bond yields to Treasury yields.
That is why you can see mortgage rates move on days when the Fed does nothing. Markets price the future, and Treasury yields and MBS pricing react to inflation data, jobs reports, and risk sentiment.
What should you do as a buyer or homeowner
Trying to time the bond market is stressful, and it rarely pays off.
A better plan:
1) Get clear on your monthly payment target
Know the payment range you can comfortably afford before you get caught in headlines.
2) Know your refinance break even point
Break even months = total refinance costs ÷ monthly payment savings.
If you plan to keep the loan longer than that break even window, refinancing later can make more sense.
3) Use a lock strategy that matches your timeline
If you are closing soon, certainty can matter more than gambling on the next report.
4) Set up a rate alert if you are shopping or planning a refi
If you have a target payment or a target rate, a simple rate tracker can help you act quickly when the market hits your window.
Bottom line
Big purchases of mortgage bonds can push yields down and help mortgage rates, but the effect can be temporary and headlines can be misleading about who is actually buying.
Focus on what you can control: payment clarity, smart terms, and a clear plan if refinancing becomes attractive later.
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