Mortgage Loan Programs in Tucson & Southern Arizona
Compare mortgage options and find the loan program that fits your goals, budget, and timeline.
Every homebuyer has different goals, finances, and circumstances. Whether you're buying your first home, using a VA benefit, refinancing, building a home, or exploring specialty financing, we'll help you compare options and find a loan program that fits your situation.
What You Can Expect
✔ Guidance on FHA, VA, Conventional, USDA, Jumbo, and specialty loan programs
✔ Personalized recommendations based on your goals and financial situation
✔ Local expertise for Tucson and Southern Arizona homebuyers
✔ Fast pre-approval options to help strengthen your offer
✔ Clear communication from application through closing
⭐⭐⭐⭐⭐"The Polder Group got me prequalified for my next home purchase and the experience was not only educational but a breeze."— Cassandra P. Verified Google Review
Not Sure Which Loan Program Fits Your Situation?
Answer one simple question below to find the mortgage program that may be the best place to start. Click the recommended loan program to learn more.
| If you... | You May Want to Explore |
|---|---|
| Are buying your first home | FHA Loan, Conventional Loan, Down Payment Assistance |
| Have excellent credit | Conventional Loan |
| Are a veteran or active-duty military member | VA Loan |
| Want to buy with no down payment | VA Loan or USDA Loan (if eligible) |
| Need help with your down payment | Down Payment Assistance Programs |
| Are buying a higher-priced home | Jumbo Loan |
| Want to buy and renovate a home | Renovation Loan |
| Are building a custom home | One-Time Close Construction Loan |
| Are self-employed | Bank Statement Loan or Alternative Income Loan |
| Own significant home equity | Home Equity Loan or HELOC |
| Are buying an investment property | Investment Property Loan |
| Are purchasing a manufactured home | Manufactured Home Loan |
| Are 62 or older and want to use home equity | Reverse Mortgage |
| Need financing outside traditional guidelines | Government or Specialty Mortgage Programs |
| Mortgage Product | Rate | Program | APR |
|---|---|---|---|
| 5/1 ARM | 6.56% | ARM5 | 6.56% |
| 7/1 ARM | 6.38% | ARM7 | 6.46% |
| 15-Year Fixed | 5.82% | Fixed15Year | 5.84% |
| 20-Year Fixed | 6.37% | Fixed20Year | 6.38% |
| 30-Year Fixed | 6.44% | Fixed30Year | 6.45% |
| 30-Year Fixed VA | 5.96% | Fixed30Year | 5.96% |
Helping Tucson & Southern Arizona Borrowers Compare Mortgage Options
Every homebuyer's situation is unique. The Polder Group helps buyers throughout Tucson, Oro Valley, Marana, Vail, Sahuarita, Green Valley, Rita Ranch, Catalina Foothills, and surrounding Southern Arizona communities compare mortgage programs and choose financing that fits their goals. Whether you're purchasing your first home, moving up, investing, or refinancing, we'll help you understand your options and make informed decisions.
