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
It is one of the most common questions Arizonans ask: should I keep renting, or is it finally time to buy?
Renting vs. Buying in Arizona: How to Decide What Is Right for You
It is one of the most common questions Arizonans ask: should I keep renting, or is it finally time to buy? There is no single right answer, because the best choice depends on your finances, your timeline, and your goals. But understanding the trade-offs can help you make a confident decision rather than an emotional one.
The Case for Renting
Renting offers flexibility, and that has real value. If you are new to Arizona, unsure where you want to settle, or expecting a job change, renting lets you stay mobile. It also keeps your upfront costs low, since you are not saving for a down payment or covering maintenance. For some people, renting for a year while they learn a new city is a smart move.
As Nathan Rufty explains on nathanrufty.com, there is nothing wrong with renting when it matches your stage of life. The key is making the choice on purpose.
The Case for Buying
Buying builds equity over time, and that is the heart of its appeal. Every payment you make on a home you own moves you toward something you keep, rather than something you hand to a landlord. Ownership also gives you stability and control, from the freedom to renovate to protection from rising rents. In a state where so many people are putting down roots, that stability carries weight.
How Arizona's Market Factors In
Arizona's current market has tilted toward a more balanced footing, with more inventory and more room to negotiate than buyers saw a few years ago. For someone who is financially ready, that can make buying more approachable. At the same time, prices in popular metros like Phoenix remain meaningful, so the math has to work for your specific situation.
Questions Worth Asking Yourself
Before deciding, think through a few honest questions. How long do you plan to stay in the area? Do you have stable income and savings beyond your down payment? Are you ready for the responsibilities of maintenance and ownership? Buying tends to make the most sense when you plan to stay put for several years, because that gives your investment time to grow.
As Nathan Rufty often tells clients on nathanrufty.com, the right answer is the one that fits your numbers and your life, not the one that fits a headline.
Making the Decision
Renting and buying are both legitimate choices. The goal is to pick the one that supports where you are headed. If you are leaning toward ownership but unsure whether you are ready, a simple conversation about your finances can give you clarity. Sometimes you learn you are closer than you thought, and sometimes you learn that waiting a bit longer is the wiser play.
Sources
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State Licenses
CA #CA-DOC292056
AZ #0946912
UT #12395907
NV #77114
