Find the loan that fits the home you want and the budget you have.
Steady terms for solid credit and a down payment.
Financing for higher-priced homes above standard limits.
Change your rate or term, or use your home’s value.
Eric Kilstrom offers VA, FHA, conventional, jumbo, and first-time buyer loans in Anthem, Arizona, plus refinancing. Each loan has its own rules for credit, down payment, and income. Eric reviews your situation and tells you which program fits the home you plan to buy.
Often an FHA or first-time buyer loan, because they need less money down. Eric compares your options and explains the trade-offs in plain terms.
FHA loans allow lower credit scores and smaller down payments but include mortgage insurance. Conventional loans often cost less over time if you have stronger credit and savings. Eric compares both for your situation.
It depends on the loan. VA loans can require nothing down, many first-time buyer and FHA loans need far less than 20 percent, and conventional loans vary. Eric tells you the real number for your price range.
Yes. Eric helps veterans and service members use VA loans, which often need little or no money down. See the VA loans page for details.
VA, FHA, conventional, jumbo, refinance, and first-time buyer loans. Eric matches the loan to your budget and the home you want.
A jumbo loan is for a home priced above the standard loan limit. Some Anthem Country Club homes reach that range. Eric explains the credit and down payment a jumbo loan needs.
Refinancing can lower your rate, shorten your term, or use your home’s equity. It makes sense when the new terms save you money over time. Eric runs the numbers with you first.
Yes. A cash-out refinance lets you borrow against your home’s equity. People use it for repairs, debt, or other needs. Eric explains how much you can take and what it costs.
Only if you put less than 20 percent down. Once you reach 20 percent equity, you can ask to remove it. Eric shows you when that point arrives.
Yes. Self-employed buyers usually share tax returns to show steady income. The paperwork is different, not harder. Eric helps you gather what your loan needs and find the right fit.
Share a few details and Eric will tell you which loan fits and what comes next.