Kelly L. Zitlow

Vice President
Certified Mortgage Planning Spec.
Arizona Mortgage Specialist
Certified Mortgage Instructor
Member/AZ Mortgage Lenders Assn.

NMLS # 164330

Phone: (480) 398-4908

Mobile: (602) 561-6760

Fax: (480) 240-5324

Email

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Arizona VA Home Loans

Financing For Those
Who Serve Our Country

We at Cherry Creek Mortgage believe that the men and women of Arizona who serve our country as part of the US Armed Forces deserve our utmost respect and gratitude. I will always be here for you and your VA Home Loan lending needs. My team and I have an extensive background in Arizona VA Loans with over 36 years of combined experience with VA Home Lending.

With a focus on Arizona VA loans, we offer the widest array of VA Loan programs to achieve your individual home loan goals and we take pride in exceeding your expectations. As a member of our country's military personnel, you have already made enough sacrifices and have more than earned a smooth, on-time, and hassle free VA Loan experience.

Call me today to discuss your VA Loan Options in Arizona, how easy the VA Loan process can be for you and your family, and the VA Loan specifics that will benefit you !

Advantages of a VA Home Loan:

VA Loans allow no down payment
100% VA Loan financing up to $417,000
No private mortgage insurance required
VA Loans have competitive interest rates
A VA Loan is guaranteed by the US Government
VA loans may be assumable (subject to VA approval)
Arizona sellers can contribute 100% of the buyers closing costs

Who is eligible for a VA Home Loan?

Current active military (minimum of 90 days)
Honorable discharged veterans
Certain Reservist Members and National Guard Members
Surviving spouse of a veteran who died during service and has not remarried
Those granted veteran status through civilian employment

For the Official Rules of Eligibility for VA loans, please click here.

A few key notes for Arizona Veterans to keep in mind with VA Home Loans:

VA Loan waiting periods for a short sale or foreclosure is only 2 years. Assuming the home loan that was sold short or foreclosed was not a VA Home Loan, VA buyers who have VA Loan Benefits can buy again after 2 years. This is one of the shortest waiting period timeframes for all loan options today in Arizona's mortgage market.
Jumbo VA Loans are a fantastic jumbo loan option for Arizona Veterans and in most cases off a down payment less than 10%, allows for financing up to $1,000,000, and doesn't require mortgage insurance.
VA Loans are available for Condos that are on the VA Condo Project Approved List. A list of these projects can be found on the following website: For VA Condo List - Click Here
VA Loans charge a funding fee to the buyer. The percentage charged varies with the VA Eligibility status of the the borrower and it is financed into the loan. If the Arizona Veteran has a service connected disability he or she may be exempt from the funding fee.

Example of a VA Home Loan:

Purchase Price: $100,000

Down Payment: 0

Base VA Loan Amt $100,000

Funding Fee (2.15) $ 2,150

Total VA Loan Amt $102,150

VA Home Loans in Arizona offer a fantastic opportunity to eligible Arizona Veterans and their families. Listed above are just a few of the many benefits of using a VA Home Loan. We are proud to offer so many VA Home Loan Programs in Arizona and to serve those who have served our country.

My goal for each every Arizona VA Home Loan is to not only close your VA Loan on-time, but to also produce a smooth, well-communicated and knowledge based VA Loan experience that exceeds your expectations. We deliver that every time and you have earned that!

Don't hesitate to call or contact me should you have questions or concerns regarding a VA Loan in Arizona. I am always here to help you.

~ Kelly

17015 N Scottsdale Road, Suite 130 | Scottsdale, AZ 85255

Cherry Creek Mortgage Company is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government.

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