Tucson's Premier Mortgage Loan Programs
Expert mortgage broker serving Arizona with competitive rates, personalized service, and fast approvals for all your home financing needs.
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Fast, Friendly Pre-Approvals and Custom Loan Solutions in Tucson
As a local Tucson mortgage brokerage, the Joe's My Lender Team prides itself on delivering a smooth and stress-free pre-approval process that gets you one step closer to your dream home. Our team provides exceptional service with clear communication, quick turnaround times, and personalized guidance every step of the way. Whether you're a first-time homebuyer, veteran, or investor, we offer a wide range of loan products tailored to fit your unique needs. Experience the difference of working with a local expert who truly cares.
Fast Approvals
Get pre-approved quickly with our streamlined process and efficient loan processing system.
Local Expertise
Deep knowledge of the Tucson market and local lending requirements for better outcomes.
Competitive Rates
Access to multiple lenders ensures you get the best possible rates and terms available.
Personal Service
Dedicated support throughout your loan journey with personalized attention and care.
VA Home Loans
VA Home Mortgage Loans in Arizona
A VA home loan is a great option for Veterans and Active Military looking to purchase not only in Tucson, but all of Arizona. VA loans offer zero down payment with great rates.
FHA Home Loans
FHA Home Mortgage Loans in Arizona
An FHA home loan is a great option for first time homebuyers looking to purchase a home in Arizona. FHA loans were created in 1934 by the U.S. Department of Housing and Urban Development or HUD.
Conventional Home Loans
Conventional Home Loans in Arizona
One of the most common types of home loans is a conventional mortgage. These loans stand a part from most other common types of home financing because they are not underwritten to government guidelines, such as an FHA, VA, and USDA Rural Development Loans. Conventional loans, instead, are most often underwritten to either Fannie Mae or Freddie Mac guidelines..
Manufactured Home Loans
Manufactured Home Loans in Arizona
Manufactured mortgages for Arizona homebuyers.
Not all lenders do Manufactured Home Loan Financing in Arizona an. Great news! Patriot Pacific is one lender that does do them. Single wide, double wide or triple wide, Patriot Pacific has you covered. Manufactured homes are very common these days, so don’t scratch them off your option list.
USDA Home Loans
USDA Home Mortgage Loans in Arizona
A USDA loan is a government-backed mortgage designed to help low-to-moderate-income buyers purchase homes in eligible rural and suburban areas. Offered through the U.S. Department of Agriculture, these loans require no down payment and offer low interest rates, making homeownership more accessible. USDA loans are ideal for buyers looking for affordable financing options outside of major city centers, including many areas near Tucson.
OTC Construction Loans
One-time Construction Loans in Arizona
A One-Time Close (OTC) VA construction loan or conventional construction loan simplifies the homebuilding process by combining the construction and permanent mortgage into a single loan. This means you only have one application, one approval, and one closing—saving you time and money. Whether you’re building your dream home from the ground up or working with a custom builder in Tucson, this streamlined financing option locks in your interest rate from the start and eliminates the need for multiple closings.
Refinance Your Home Today
Explore our comprehensive refinancing options designed to help you save money and achieve your financial goals.
VA Cash Out
FHA Home VA Cash Out in Arizona
A VA Cash-Out Refinance loan allows eligible veterans, active-duty service members, and certain military spouses to access the equity in their home by refinancing their existing mortgage. This loan can be used to pay off debt, make home improvements, or cover other expenses. Unlike the VA IRRRL, the VA Cash-Out is available even if your current loan isn’t VA-backed. It offers competitive rates and the benefit of converting home equity into cash—while still enjoying the advantages of a VA loan.
VA IRRRL
VA IRRRL's in Arizona
The VA Streamline Refinance is also known as the Interest Rate Reduction Refinance Loan (VA IRRRL). The VA IRRRL allows you to refinance your current VA home loan interest rate to a lower rate than you are currently paying.
This Streamline loan is extremely popular because of its ease of use: once you have already been approved for your initial VA purchase loan, it is relatively simple to lower your interest rate and experience considerable savings. In most cases, a loan officer or lender with expertise in VA loans should be able to complete the loan within a month’s time in most cases.
Rate and Term Refinance
Rate and Term Refinance Loans in Arizona
A Rate and Term Refinance allows homeowners to replace their current mortgage with a new one that has better terms—such as a lower interest rate, a shorter loan term, or both—without taking cash out. This option is ideal for reducing monthly payments or paying off your mortgage faster. Available for both FHA and Conventional loans, this type of refinance can help improve overall loan affordability. It’s a smart strategy for homeowners looking to save money over the life of their loan.
Unlock Your Home's Equity
Discover flexible financing solutions that help you access the value you've built in your home for any financial need.
Cash Out Refinance Loans
Cash Out Refinance Loans in Arizona
A Cash-Out Refinance allows homeowners to tap into their home’s equity by replacing their existing mortgage with a new, larger loan and receiving the difference in cash. This can be used for home improvements, debt consolidation, or major expenses. Available through VA, FHA, and Conventional loan programs, cash-out refinancing offers flexible options based on your eligibility and goals. VA loans offer favorable terms for veterans, FHA loans provide accessible options for lower credit scores, and Conventional loans suit borrowers with strong financial profiles.
Reverse Mortgage
Reverse Mortgages in Arizona
A Cash-Out Refinance allows homeowners to tap into their home’s equity by replacing their existing mortgage with a new, larger loan and receiving the difference in cash. This can be used for home improvements, debt consolidation, or major expenses. Available through VA, FHA, and Conventional loan programs, cash-out refinancing offers flexible options based on your eligibility and goals. VA loans offer favorable terms for veterans, FHA loans provide accessible options for lower credit scores, and Conventional loans suit borrowers with strong financial profiles.
HELOC
Home Equity Lines of Credit Loans
A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. Similar to a credit card, you can borrow, repay, and borrow again during the draw period—usually 5 to 10 years. HELOCs typically have variable interest rates and are ideal for ongoing expenses like home improvements, education costs, or emergency funds. Payments are interest-only during the draw period, making it a flexible and convenient option for accessing home equity.
Investment Property Financing
Specialized loan programs designed for real estate investors to grow their portfolio with competitive rates and flexible terms.
DSCR Loans
DSCR Loans for Arizona Investors
A DSCR loan, or Debt Service Coverage Ratio loan, is designed for real estate investors who want to qualify based on property income rather than personal income. Instead of using tax returns or pay stubs, lenders look at the property's rental income compared to the loan payment to determine eligibility. If the income covers or exceeds the mortgage payment, you may qualify—even with complex finances. This makes DSCR loans ideal for investors building rental portfolios in Tucson. As a local mortgage broker, we specialize in helping investors secure flexible financing with competitive rates and minimal documentation.
Fix and Flip Loans
Fix and Flip Projects in Arizona
Fix and flip loans are short-term funding options created for real estate investors looking to purchase, renovate, and quickly resell properties for a profit. These loans are ideal for homes that need significant repairs or upgrades and may not meet the standards required for traditional mortgages. Designed with house flippers in mind, fix and flip financing helps investors move quickly on opportunities and cover both the purchase and renovation costs of distressed or undervalued properties.
5-8 Unit Investment Purchases
5-8 Unit Investment Purchases in Arizona
A 5-8 unit DSCR loan is a specialized financing option for real estate investors purchasing or refinancing multifamily properties with five to eight units. Since standard residential loans usually cover up to four units, this type of loan serves as a middle ground between residential and full-scale commercial lending. It offers a flexible solution for investors expanding into larger rental properties, using the property's income potential to qualify rather than relying solely on personal income.
Joseph Small and his team at Patriot Pacific Financial Corp is your trusted source for all your FHA, Jumbo, Conventional, USDA VA home loan needs. Give Joe and the team a call to get started. (520) 303-5620
Joseph Small is a licensed mortgage agent in Arizona, Alabama, Maryland, North Carolina and South Carolina for Patriot Pacific Financial Corp; MLO-380188 . The postings on this Homebuyers Resource Center page don’t necessarily represent the positions, strategies or opinions of Patriot Pacific Financial Corp or its affiliates. This information is not guaranteed to be accurate and shall not be construed as a guarantee of loan approval. All loans are subject to underwriter approval, and are subject to change without notice.