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
Homeowners 62 and Older in California Arizona Nevada and Utah Are Using Equity to Age in Place
The Heartwarming Way Families Are Using Reverse Mortgages Today
If you are a homeowner 62 or older in California, Arizona, Nevada, or Utah and you have built significant equity in your home over the years there is a conversation worth having about what that equity can do for your retirement and your quality of life without requiring you to leave the home you love.
Nathan Rufty at Canopy Mortgage wants to be clear about something upfront. The reverse mortgage of today is not the reverse mortgage of old. The program has evolved significantly and the modern Home Equity Conversion Mortgage is built around one purpose. Allowing homeowners to access the equity they have earned while staying in the home they have filled with a lifetime of memories.
What a Reverse Mortgage Makes Possible
The applications are as personal as the homeowners using them but the most common and most meaningful use Nathan Rufty sees across California, Arizona, Nevada, and Utah is aging in place.
Eliminating the current monthly mortgage payment frees up cash flow that makes retirement more comfortable and less stressful every single month. For homeowners on a fixed income the removal of that obligation can be one of the most meaningful financial changes they experience in retirement.
Boosting overall cash flow gives seniors the ability to cover the expenses that fixed income does not always stretch to meet. Groceries. Utilities. Medical costs. The everyday expenses of life that become harder to manage when income is fixed and costs keep rising.
Home upgrades that support aging in place are another common use. Upgrading a kitchen or bathroom to make it safer and more accessible. Adding handrails, ramps, or other modifications that allow the homeowner to remain safely and comfortably in their home as their mobility or health needs change. Funding long-term care planning that addresses what may be needed in the years ahead without depleting savings or creating financial stress for the family.
What Stays the Same
As Nathan Rufty explains you keep ownership of your home and control of your home throughout the life of the reverse mortgage. The bank does not want your house. The lender wants to lend you money against the equity you have built. Title stays in your name. The home remains yours.
There are no required monthly mortgage payments. The obligations that remain are the same things most homeowners are already doing. Keeping current on property taxes and homeowners insurance. Maintaining the home in reasonable condition. Living in it as your primary residence. Those requirements are not new burdens. They are the standard expectations of homeownership that most people are already meeting.
The flexibility to enjoy retirement the way you have always dreamed is what the reverse mortgage is designed to create. Not a transaction. A tool for living better in the home you already love.
The Next Step Is a Free Conversation
As your trusted mortgage advisor Nathan Rufty will walk you through every option with care, transparency, and the complete information you need to make the best decision for your situation and your family. No obligation. No pressure. Just a real conversation about whether this program fits your life.
Call, text, or email Nathan Rufty at Canopy Mortgage directly using the contact information below to schedule your free consultation. He looks forward to connecting with you and exploring whether a reverse mortgage is the right choice for you in California, Arizona, Utah, or Nevada.
Sources
HUD.gov
NRMLA.org
ConsumerFinancialProtectionBureau.gov
FHA.com
Investopedia.com
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State Licenses
CA #CA-DOC292056
AZ #0946912
UT #12395907
NV #77114
