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
How Homeowners 62 and Older Can Use a Reverse Mortgage to Protect Their Retirement Portfolio in Down Markets
The Retirement Strategy Most Financial Conversations Never Reach
If you are sixty-two or older and watching a volatile market while still needing to pull income to cover your lifestyle Nathan Rufty at Canopy Mortgage wants to walk you through one of the most powerful and least discussed financial planning strategies available to homeowners in California, Arizona, Nevada, and Utah.
It is not about selling your home. It is about using what your home has already built to protect everything else you have built alongside it.
The Problem Retirees Face in Down Markets
Retirement stress during market downturns follows a predictable and painful pattern. The portfolio drops. The income still needs to come from somewhere. So investments get sold at depressed values to cover living expenses. Those losses get locked in permanently. The portfolio never fully recovers because the shares or funds that were sold during the dip are no longer there to participate in the rebound.
This sequence is called sequence of returns risk and it is one of the most significant threats to long-term retirement security. A retiree who is forced to sell investments during a downturn is in a fundamentally different position than one who can wait for the recovery. The difference in long-term outcomes between those two scenarios can be dramatic even when everything else is identical.
Where the Reverse Mortgage Changes the Equation
A reverse mortgage allows eligible homeowners sixty-two and older to access their home's equity without making required monthly mortgage payments and without giving up ownership or control of the home. That equity becomes the income source during the market downturn rather than the investment portfolio.
The investment accounts get the time and space they need to recover while the homeowner continues living the retirement lifestyle they worked their entire career to build. When the market rebounds the portfolio is intact rather than permanently reduced by forced selling at the bottom.
The result is real peace of mind grounded in a real financial strategy rather than hope that the market recovers before the cash runs out.
What a Reverse Mortgage Actually Is and Is Not
You keep full ownership of your home. You keep full control of your home. There are no required monthly mortgage payments. The loan is repaid when you sell the home, move out permanently, or the estate settles after passing. It is an aging-in-place loan designed to let the equity you built serve your retirement rather than sitting idle while your investment accounts absorb all the volatility risk.
Nathan Rufty describes working alongside the homeowner's existing financial planner as a core part of his approach. A reverse mortgage is a component of a retirement plan rather than a replacement for one. When it fits the complete financial picture it can be genuinely transformative. When it does not fit Nathan will tell you that too.
How to Start the Conversation
Text or call Nathan Rufty directly at 909-503-5600 for a free consultation. He works with homeowners throughout California, Arizona, Nevada, and Utah and is ready to walk through whether a reverse mortgage fits your specific financial strategy for both the short and long term. Follow along for more tips that help families make smart moves with their money.
Sources
HUD.gov
ConsumerFinancialProtectionBureau.gov
NationalReverseMortgageLendersAssociation.org
MortgageNewsDaily.com
Investopedia.com
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State Licenses
CA #CA-DOC292056
AZ #0946912
UT #12395907
NV #77114
