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
Arizona Down Payment Assistance: How First-Time Buyers Can Get Into a Home Sooner
Arizona Down Payment Assistance: How First-Time Buyers Can Get Into a Home Sooner
For many Arizonans, the biggest hurdle to buying a home is not the monthly payment. It is the upfront cash. Saving for a down payment and closing costs can feel like chasing a target that keeps moving, especially in growing markets like Phoenix and Tucson. The good news is that Arizona offers some of the most accessible homebuyer assistance programs in the country, and many buyers do not realize they qualify.
Why Down Payment Assistance Matters in Arizona
Home prices across the state have leveled off compared to the rapid run-up of a few years ago, but affordability is still tight for first-time buyers. That is exactly why down payment assistance exists. These programs help bridge the gap between what you have saved and what you need to close, which can move your timeline up by months or even years.
As Nathan Rufty explains on nathanrufty.com, understanding the assistance you qualify for early in the process can completely change what you are able to afford.
Statewide Help Through Home Plus
The Home Plus program, administered through the Arizona Department of Housing, is available across the entire state. It pairs a 30-year fixed mortgage with assistance that can be applied toward your down payment and closing costs. Depending on the loan you choose, that help can cover a meaningful portion of your upfront costs, and in many cases it does not need to be repaid if you meet the program guidelines.
Local Programs for Phoenix and Tucson
If you are buying in the Phoenix metro area, the Home in Five Advantage program in Maricopa County offers qualifying buyers a fixed-rate mortgage along with forgivable assistance toward upfront costs. Down in southern Arizona, the Pima Tucson Homebuyer's Solution serves buyers in the Tucson area with similar support. There are also matching grant programs, like WISH, that reward buyers who have been steadily saving on their own.
Who Typically Qualifies
Eligibility varies by program, but a few themes show up again and again. Most programs ask that the home be your primary residence. Many define a first-time buyer as someone who has not owned a home in the past three years, which means repeat buyers often qualify too. Income limits and a minimum credit score usually apply, and the property generally needs to fall under a set price cap.
Taking the First Step
The smartest move is to find out which programs you fit before you start house hunting. That way you can shop with a clear and realistic budget. As Nathan Rufty shares with clients on nathanrufty.com, the right assistance program is not about finding free money. It is about removing the obstacle that stands between you and a home you can comfortably keep.
If you have been holding off because the down payment felt out of reach, it may be worth taking a closer look. Arizona has built real pathways to ownership, and the first step is simply asking the right questions.
Sources
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State Licenses
CA #CA-DOC292056
AZ #0946912
UT #12395907
NV #77114
