Kelly L. Zitlow

There are many different types of loan programs available. Please call me for a personalized mortgage consultation.

Click below to learn more about our various loan programs.

VA Loans

FHA Loans

Reverse Mortgage

Arizona HARP Refinance Program

The ever changing mortgage environment can be challenging. My goal is to help keep clients and business partners well informed. Utilize this Mortgage Flyer's Library as a resource on important mortgage topics. If you have questions, please don't hesitate to call us - we're here to help navigate the dream of home ownership.

Click here to access my Mortgage Flyer Library:

I will continue to post mortgage flyers that my team and I produce for your reference.

~ Kelly

Click here for my most recent Arizona Mortgage Updates

If you or someone you know is one of the many Arizonians who lost their home as a result of a foreclosure, short sale or bankruptcy, there is hope! Not only is homeownership possible again, but it may be easier than you think.  In most cases there is a waiting period before you are eligible to qualify for a home loan.  But buying a house again doesn't have to be complicated once you know the waiting period that applies to your personal situation and take the necessary steps to prepare yourself.

Buying a House After - The Waiting Period Chart

More good news--you don't have to navigate this process alone. Going through a bankruptcy, foreclosure, or short sale can be tough enough, you don't have to try to figure what you need to do to buy a house again by yourself.  One of the keys to success is choosing an experienced and knowledgeable mortgage professional to develop a path to re-establish you as a credible and ready home buyer. With over 17 years of experience in residential lending, I'm confident that we can work together to prepare a plan for you to take advantage of this rebounding real estate market.

Visit my website www.buyingahouseafter.com for invaluable information you'll need to know before owning a home again.