🏠 Conventional Loan

A conventional loan is one of the most common types of mortgages, ideal for borrowers with good credit, stable income, and a down payment of at least 3–5%. These loans are not backed by the government and offer flexible terms, competitive interest rates, and fewer restrictions compared to government programs. Whether you're buying your first home or upgrading, conventional loans are a great choice for many Mesa-area buyers.

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🏡 Jumbo Loan

A jumbo loan is designed for borrowers who need to finance high-value properties that exceed conventional loan limits. Perfect for luxury homes or competitive markets like Arizona, jumbo loans allow you to borrow more — often with flexible underwriting terms. My Mortgage Collective works with top wholesale lenders to help you secure jumbo financing with attractive rates and personalized options.

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🏘 FHA Loan

A FHA loan is a government-backed mortgage option that offers easier qualification standards, including lower credit score requirements and down payments as low as 3.5%. Popular among first-time homebuyers and those with limited savings, FHA loans provide a path to homeownership with added flexibility. Our team makes the FHA process simple, fast, and tailored to your needs.

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🪖 VA Loan

A VA loan is a powerful benefit available to eligible veterans, active-duty service members, and certain military spouses. Backed by the Department of Veterans Affairs, VA loans offer zero down payment options, no private mortgage insurance (PMI), and competitive interest rates. We proudly serve Mesa’s military community by delivering streamlined VA loan solutions with personalized support.

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🏢 Non-Traditional / Non-QM Loans

Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who may not fit traditional lending guidelines, such as self-employed individuals, real estate investors, or those with unique income situations. These loans offer more flexible underwriting and expanded options to help you achieve homeownership or investment goals when traditional financing isn't the perfect fit.

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📑 Bank Statement Loan

A bank statement loan is ideal for self-employed borrowers who may not have traditional W-2 income. Instead of tax returns, qualification is based on your recent bank statement deposits, giving you more flexibility in proving income. With our wholesale partnerships, we help business owners and entrepreneurs across Arizona access custom financing options built around real financial success.

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🏘 DSCR Loan (Debt Service Coverage Ratio)

A DSCR loan is specifically tailored for real estate investors, allowing you to qualify based on a property's cash flow instead of your personal income. If the rental income covers the mortgage payment, you can get approved — making it easier to expand your investment portfolio quickly. Our DSCR solutions are ideal for seasoned and first-time investors looking for smart, flexible funding.

These are just a few of the programs we offer — contact us today to discuss your unique needs and get started with the right solution.