Home Purchase and Refinance Loans
Whether you're buying your first home or unlocking equity in the one you already own, Jaime Fernandez helps borrowers in Arizona, California, and Nevada find the right loan for their situation.
Home Purchase
Find the Right Loan to Buy Your Home
From first-time buyers to seasoned homeowners moving up, there's a loan program designed for your situation. Jaime walks you through every option so you can make a confident decision.
Conventional Loans
As little as 3% down for qualified buyers. Ideal for borrowers with strong credit and stable income.
FHA Loans
Government-backed loans with 3.5% down and flexible credit requirements — great for first-time buyers.
VA Loans
Zero down payment for eligible veterans, active-duty service members, and surviving spouses.
USDA Loans
No down payment required for eligible rural and suburban properties. Income limits apply.
Jumbo Loans
Financing above conforming loan limits for higher-priced properties in competitive markets.
Down Payment Assistance
Arizona HOME Plus, Pathway to Purchase, and other programs to reduce your out-of-pocket costs.
The Home Purchase Process
Get Pre-Approved
Know your budget before you shop. A pre-approval letter strengthens your offer.
Find Your Home
Work with your real estate agent while Jaime monitors rates and programs for you.
Submit Your Offer
Your pre-approval gives sellers confidence. Jaime can provide updated letters quickly.
Loan Processing
Appraisal, title, and underwriting happen in parallel to keep your closing on track.
Close & Get Keys
Sign your final documents and receive the keys to your new home.
Refinance
Refinance Options for Every Goal
Refinancing isn't one-size-fits-all. Whether you want a lower rate, shorter term, or cash in hand, Jaime helps you evaluate whether refinancing makes financial sense for your situation.
Rate & Term Refinance
Lower your interest rate, shorten your loan term, or both — without taking cash out.
Cash-Out Refinance
Access your home equity as cash for debt consolidation, home improvements, or investments.
FHA Streamline
Simplified refinance for existing FHA borrowers with reduced documentation requirements.
VA IRRRL
Interest Rate Reduction Refinance Loan — the fastest way for veterans to lower their VA loan rate.
Remove PMI
Refinance once you've reached 20% equity to eliminate private mortgage insurance payments.
Conventional Refinance
Refinance out of FHA or into better terms once your credit and equity position improves.
Signs It May Be Time to Refinance
Refinancing involves closing costs and resets your loan term. Whether it makes sense depends on your break-even timeline, remaining balance, and goals. Speak with Jaime to run the numbers for your specific situation.
Licensed and serving borrowers in
Arizona
Licensed statewide
California
Licensed statewide
Nevada
Licensed statewide
Ready to Take the Next Step?
Whether you're buying or refinancing, Jaime will walk you through your options with no pressure and no jargon — just clear answers.
All loan scenarios subject to credit approval, underwriting review, and program guidelines. Not a loan commitment or guarantee of terms.