Home Loans & Mortgage
Programs in Peoria, AZ
Explore purchase loans, refinancing and specialty financing. Jennifer helps you compare the options for your home, finances and goals.
Home Loans for First-Time and Move-Up Buyers
Start with your budget, down payment and plans for the property. Jennifer helps you understand purchase loan options before you choose your next step.
First Home
Buying your first home can feel overwhelming, but the right guidance makes the process much easier.
We can help you:
- Understand your budget and monthly payment
- Review down payment and loan options
- Get pre-qualified before you start shopping
- Navigate the mortgage process from application through closing
A Loan Officer can help you understand your options and take the next step with confidence.
Next Home
Buying your next home often means balancing a new purchase with your current property, equity, and timing.
We can help you:
- Review your available home equity
- Plan around buying and selling at the same time
- Explore bridge or investment financing when appropriate
- Structure financing for your next purchase
A Loan Officer can help you build a clear plan for the transition and choose the financing option that fits your goals.
Conventional Loans
Conventional loans are home loans not insured by the government. They can be used for primary homes, second homes, and investment properties.
They may offer:
- Down payments as low as 3% for qualified borrowers
- No mortgage insurance with enough equity
- Flexible property and loan options
A Loan Officer can help determine whether a conventional loan fits your goals and financial situation.
FHA Loans
FHA loans are government-backed mortgages designed to make homeownership more accessible, especially for buyers with smaller down payments or more flexible credit needs.
They may offer:
- Down payments as low as 3.5% for qualified borrowers
- Flexible credit requirements
- County-based loan limits
- Required mortgage insurance
A Loan Officer can help determine whether an FHA loan is a good fit for your financial situation and homebuying goals.
VA Loans
VA loans are government-backed mortgages available to eligible veterans, active-duty service members, and qualifying surviving spouses.
They may offer:
- No down payment for some qualified borrowers
- No monthly mortgage insurance
- Competitive financing and refinance options
- Flexible eligibility based on service history
A Loan Officer can help confirm eligibility and explain available VA loan options.
USDA Loans
USDA loans are government-backed mortgages for eligible buyers purchasing homes in qualifying rural areas.
They may offer:
- No down payment for some qualified borrowers
- Income-based eligibility requirements
- Financing for eligible primary residences
- Lower guarantee fees than some other loan types
A Loan Officer can help determine whether the property and borrower meet USDA requirements.
Jumbo Loans
Jumbo loans are designed for home purchases that exceed conforming loan limits.
They may offer:
- Financing for higher-priced homes
- Options for primary residences, second homes, and investment properties
- Flexible loan amounts based on borrower qualifications
- Higher down payment and documentation requirements than many conforming loans
A Loan Officer can help determine whether a jumbo loan fits the property price and your financial situation.
Down Payment Assistance
Down payment assistance programs may help eligible homebuyers cover down payments and qualifying closing costs. Depending on the program, assistance may be offered as grants, forgivable loans, or deferred-payment loans.
They may offer:
- Financial assistance toward a home down payment
- Help with eligible mortgage closing costs
- Options that work with certain mortgage loan programs
- Different eligibility and repayment requirements
Availability depends on the program, location, and borrower qualifications, and funding may be limited. A Team Gokool Loan Officer can help you explore available down payment assistance options and understand their terms.
Refinancing & home equity options
Review your current mortgage, available equity and long-term plans to understand whether refinancing or another home equity option fits your goals.
Refinance
Refinancing can help you adjust your mortgage to better fit your current goals.
It may help you:
- Lower your monthly payment
- Shorten your loan term
- Access available home equity
- Remove mortgage insurance in some situations
- Consolidate higher-interest debt
A Loan Officer can review your current mortgage and help determine whether refinancing makes financial sense for you.
Reverse Mortgages
Reverse mortgages allow eligible homeowners to access part of their home equity without selling their home.
They may offer:
- No required monthly mortgage payment
- Flexible ways to receive available funds
- The ability to remain in the home
- FHA-insured HECM options for eligible borrowers
Borrowers must meet age, occupancy, counseling, and property-related requirements. A Reverse Mortgage Specialist can help determine whether this option fits your financial goals.
Home Equity Line of Credit (HELOC)
A home equity line of credit (HELOC) allows eligible homeowners to borrow against available home equity through a revolving credit line, typically during a set draw period.
It may help you:
- Access funds as needed, up to an approved credit limit
- Reuse available credit as you repay borrowed funds, subject to loan terms
- Finance home improvements or other major expenses
- Access equity without necessarily refinancing your first mortgage
HELOCs are secured by your home and commonly have variable interest rates. Payments may increase over time, especially after the draw period ends. A Team Gokool Loan Officer can help you compare HELOC options and borrowing terms.
Home Equity Loan
A home equity loan allows eligible homeowners to borrow against available home equity and receive the funds as a single lump sum, typically with a fixed interest rate and scheduled monthly payments.
It may help you:
- Receive funds upfront for a planned expense
- Finance home improvements or other major purchases
- Consolidate higher-interest debt while considering total borrowing costs
- Access equity without necessarily replacing your first mortgage
A home equity loan is secured by your property, meaning missed payments could put your home at risk. A Team Gokool Loan Officer can help you compare home equity loans, HELOCs, and cash-out refinancing options.
Financing for Self-Employed Buyers, Investors & Renovations
Explore financing for income that needs alternative documentation, investment properties and home renovations. Jennifer can help you understand the available options and requirements.
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Renovation Loans
Purchase and improvement financed together, in one loan.
Often a fit for- Fixer-uppers
- Repairs at purchase
- Remodel plans
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Non-QM Loans
Alternative documentation options for borrowers outside conventional guidelines.
Often a fit for- Self-employed
- Alternative income docs
- Non-standard scenarios
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Investor Loans
Financing for rental and investment purchases, plus options for owners of luxury and second homes.
Often a fit for- Rental properties
- Investment purchases
- Second & luxury homes
A thank you, paid forward
Jennifer is an affiliate loan officer for Homes for Heroes, the give-back program created after September 11 to thank the people who serve their communities.
According to Homes for Heroes, heroes save an average of $3,000 when they buy or sell a home through the program, including $500 in lending fees.
- Military & Veterans
- Firefighters
- Law Enforcement
- Healthcare
- Teachers
- EMS
Common questions about loan programs
Which loan programs does Team Gokool offer?
Conventional, FHA, VA, USDA and Jumbo for purchases; refinancing and home equity access for existing owners; and specialty programs including Non-QM, investment property, renovation, reverse mortgages and down payment assistance.
Do you offer down payment assistance in Arizona?
Yes. The Gokool Team offers the Home Plus and Home in 5 Down Payment Assistance Programs, which create a pathway to homeownership for creditworthy renters who can qualify for a mortgage but cannot afford the down payment and/or closing costs.
Which states are you licensed in?
Alabama, Arizona, Arkansas, California, Georgia, Indiana, Kentucky, Missouri, South Carolina, Tennessee and Texas.
What credit score do I need to qualify?
It depends on the loan program, and your score is only one part of the picture — payment history, debts and savings matter too. A free credit analysis is the quickest way to find out where you stand: call 602-486-3363.
Need mortgage guidance in Peoria?
Call, text or send a note. Whether you are buying next month or building a plan for next year, the first conversation is the same.
Pre-qualification conversations do not require a credit pull.