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
Seniors Can Use Home Equity to Fund Aging in Place Renovations and Here Is How It Works
Seniors Can Use Home Equity to Fund Aging in Place Renovations and Here Is How It Works
The Most Practical and Heartwarming Use of a Reverse Mortgage Happening Right Now
For homeowners 62 and older across California, Arizona, Nevada, and Utah the goal is often beautifully simple. Stay in the home you love for as long as possible while feeling safe, comfortable, and genuinely independent. Nathan Rufty at Canopy Mortgage is seeing more families use a reverse mortgage specifically to fund the home renovations that make that goal achievable and he wants more seniors to know this option exists.
What Aging in Place Renovations Actually Look Like
The modifications that allow a senior to stay safely in their home are specific and they can be significant in cost. Walk-in showers that eliminate the fall risk of stepping over a tub. Wider doorways that accommodate a wheelchair or walker. Ramps that remove the barrier of steps at entries and transitions. Updated lighting that addresses the visibility needs that change with age. Accessible kitchen configurations that make cooking and daily tasks manageable without strain or risk.
These are not luxury improvements. They are practical investments in safety, comfort, and independence that can determine whether a senior can remain in their home or faces a transition to a care facility far earlier than they would choose.
A reverse mortgage converts the equity already built up in the home into flexible funds that can cover exactly these kinds of improvements. The equity that has been accumulating for years becomes the tool that funds the next chapter in the same home where so many memories were made.
What Makes This a Particularly Powerful Application
The aging in place renovation use of a reverse mortgage accomplishes something unique. It takes equity that would otherwise sit passively in the property and deploys it to improve that same property in ways that add both livability and long-term value. The home gets better. The senior gets safer. The family gets peace of mind.
As Nathan Rufty explains this is one of the most meaningful ways the reverse mortgage product serves the seniors it was designed for. You are not spending down an asset. You are investing in the quality and sustainability of life in a home you already own and love.
What Stays the Same
Full ownership and control of the home remain with the homeowner throughout the life of the reverse mortgage. There are no required monthly mortgage payments. The standard obligations of homeownership continue and the improvements made to the property remain yours.
The family gains something equally important. The confidence that the home their loved one lives in actually supports that next chapter rather than creating daily challenges that accumulate into a safety concern.
The Conversation Worth Having
A reverse mortgage is not as scary as most people assume before they actually understand how it works. Nathan Rufty walks every senior and their family through every option with care and clarity so the decision made is an informed one rather than one made in the dark.
Call or text Nathan Rufty at Canopy Mortgage anytime at 909-503-5600 for a free consultation. He serves homeowners 62 and older in California, Arizona, Nevada, and Utah and looks forward to connecting with you about how a reverse mortgage might support your aging in place goals.
Sources
HUD.gov
NRMLA.org
ConsumerFinancialProtectionBureau.gov
AARP.org
Investopedia.com
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State Licenses
CA #CA-DOC292056
AZ #0946912
UT #12395907
NV #77114
