From Application to Celebration
Your Homeownership Partner
At Crown Mortgage of the West, our sights are set on excellence, not enterprise. We aren’t concerned with being famous on Wall Street, but we as Arizona and California mortgage advisors are committed to being loved on Main Street.
That’s why we only accept a handful of new clients and Realtors each month, enabling our famous white glove service with each client. It’s the boutique way.
Low Rate. Zero Hassles.
LET US SERVE YOU
Why us
“Because No One Ever Said Home Is Where The Paperwork Is.”
When the president of Crown Mortgage of the West entered the mortgage business in Arizona and California…
- Signing required the scratch of a pen.
- Document sharing came with the lick of a stamp.
- The only thing stored in the cloud was rain.
Our Value
Today, technology has revolutionized the lending process.
Now…
Lenders
Lenders can be looped in across states.
Documents
Documents can be signed from a beach chair.
Borrowers
Borrowers can interact with their AZ mortgage broker without taking off their slippers.
What hasn’t changed: relationships still rule, and nothing is more important than a creative mind and an experienced ear.
At Crown Mortgage of the West, we marry the time-saving advantages of modern technology with the reassuring presence of real relationships and real people.
Why Choose us
Every one of our borrowers has access to their own portal.
Hover over the menu icons and have a quick look at our portal >>>
have a quick look at our portal >>>
Dashboard
• Messages: Connect with people globally via video calls, audio calls, emails, or instant messages, right from your dashboard.
• Interest Rates and Terms: Explore between 8 and 12 loan rate options, accompanied by a line chart to help you easily compare and select the best rate and terms for your needs.
• Loan Application: Complete a straightforward, conditional application from the convenience of your phone.
• Document Management:
Requested Documents: View a list of documents we need from you. Approved Documents: Track which of your documents have been approved. Outstanding Documents: Identify documents you still need to submit. Submitted Documents: Review all documents you’ve submitted.
• Loan Status: Stay updated with real-time information on your loan process. Share access with anyone you choose, so they can stay in the loop.
• Documents Archive: A personal space for storing any documents you wish to keep safe, such as transaction records, family trust papers, wills, birth and death certificates, and children’s report cards.
What does it mean to have an advocate in the mortgage business in California and Arizona?
It comes down to an alignment of interests.
Most other lenders are actually “mortgage bankers” whose profit correlates directly to your interest rate.
But Crown Mortgage of the West is different.
As one of the top lenders in Arizona and California, we don’t just offer…
Please hover on the boxes
Conventional
Mortgages
Conventional mortgages are home loans not insured by the federal government. They are the most common type of mortgage, adhering to the guidelines set by Fannie Mae and Freddie Mac. Read more >>>
-
Not Government Insured: Unlike FHA, USDA, and VA loans, conventional loans are not backed by the government. -
Down Payment: Typically requires a minimum of 3% down, but a 20% down payment is ideal to avoid Private Mortgage Insurance (PMI). -
PMI: Private Mortgage Insurance is required if the down payment is less than 20%. -
Loan Limits: There are maximum loan limits, which can vary by county. -
Flexibility: Offers more flexibility in terms of property type and use.
Fixed-Rate
Mortgages
A fixed-rate mortgage has a constant interest rate and monthly payments that never change over the life of the loan. Read more >>>
-
Interest Rate Stability: The interest rate is fixed and does not change for the life of the loan. -
Predictability: Monthly payments (principal and interest) remain the same, making budgeting easier. -
Loan Term Options: Common terms are 15, 20, and 30 years. -
Higher Initial Interest Rate: Typically has a higher interest rate than the initial rate of an adjustable-rate mortgage. -
No Rate Surprises: Protects borrowers against rising interest rates. -
Refinancing: To take advantage of lower rates, refinancing is required.
Jumbo Loans
Jumbo loans are for home purchases that exceed the conforming loan limits set by Fannie Mae and Freddie Mac, typically used for high-priced real estate. Read more >>>
-
Higher Loan Amounts: Designed for financing luxury properties and homes in highly competitive local real estate markets. -
Stricter Credit Requirements: Higher credit scores and lower debt-to-income ratios are required. -
Larger Down Payments: Often require down payments of 20% or more. -
Interest Rates: Can have competitive interest rates, but may be slightly higher than conforming loans. -
Financial Reserves: Borrowers may need to show they have reserves (or assets) for several months of mortgage payments. -
Appraisal: May require more than one appraisal to verify the value of the property.
HELOC
A Home Equity Line of Credit (HELOC) provides homeowners with a flexible borrowing option secured against their home equity, offering lower interest rates, potential tax benefits, and versatile use of funds. Read more >>>
-
Versatile Use: HELOC funds can be used for various needs, offering financial flexibility. -
Lower Rates: Typically, HELOCs have lower interest rates compared to other loans. -
Tax Deductibility: Interest paid on a HELOC may be tax-deductible for home-related expenses. -
Revolving Credit: HELOCs are revolving lines of credit, providing ongoing access to funds. -
Access Home Equity: Borrow against the equity in your home without selling it. -
Interest-Only Options: Some HELOCs offer interest-only payment periods, easing cash flow. -
Value Appreciation: As property values rise, your HELOC’s credit limit may increase.
USDA Loan
-
No Down Payment Required: Offers 100% financing for eligible rural and suburban homebuyers. -
Income Limits: Borrowers must meet certain income limits, which vary by region. -
Geographic Restrictions: Property must be located in an eligible rural area as defined by USDA. -
Mortgage Insurance: Requires a guarantee fee instead of PMI, which can be rolled into the loan. -
Credit Requirements: Flexible credit guidelines, but a credit history demonstrating responsibility is necessary. -
Primary Residence: Must be used as the borrower’s primary residence.
USDA loans are backed by the United States Department of Agriculture and aimed at helping rural homebuyers with 100% financing. Read more >>>
FHA Loans
FHA loans are insured by the Federal Housing Administration and designed for low-to-moderate-income borrowers who may have lower credit scores.
Read more >>>
-
Low Down Payment: As low as 3.5% down payment is required. -
Lower Credit Scores Accepted: Minimum credit score requirements are lower than conventional loans. -
Mortgage Insurance: Requires upfront and annual mortgage insurance premiums. -
Loan Limits: There are maximum loan limits, which vary by location. -
Loan Limits: There are maximum loan limits, which vary by location. -
Assumable: FHA loans can be assumed by future buyers, potentially making the property more attractive.
VA Loans
VA loans are guaranteed by the Department of Veterans Affairs and offer military service members, veterans, and their spouses significant benefits on home financing. Read more >>>
-
No Down Payment Required: Eligible borrowers can finance 100% of the home’s value. -
No PMI: No private mortgage insurance is required, though a funding fee may be applicable. -
Flexible Credit Requirements: Credit score requirements are more flexible than conventional loans. -
Closing Costs: VA limits certain closing costs, making it more affordable for veterans. -
Assumable: Like FHA loans, VA loans can be assumed by qualified buyers. -
Dedicated Support: VA offers assistance to borrowers facing financial hardship.
Adjustable-Rate
Mortgages
Adjustable-rate mortgages have interest rates that can change over time based on market conditions, which means monthly payments can go up or down. Read more >>>
-
Initial Lower Rate: Often offers a lower initial interest rate compared to fixed-rate mortgages. -
Rate Adjustments: The rate adjusts at predetermined intervals after the initial fixed-rate period. -
Caps: There are caps that limit how much the interest rate or the monthly payment can increase. -
Interest Rate Risk: Monthly payments can increase significantly over time. -
Suitable for Short-Term Ownership: Best for those who plan to sell or refinance before the rate adjusts. -
Index and Margin: The adjusted rate is calculated based on a specific index plus a set margin.
We shop all of the top lenders in the United State to find the lender that best suits your needs.
We take you by the hand, every step of the way, and turn complex “loan lingo” into easy-to-follow English.
We are committed to our goal of finding the best loan for your unique situation. Our profits are determined by one thing: your satisfaction.
Arizona – Conventional
California – Conventional
Arizona FHA
California FHA
Florida – Conventional
Georgia – Conventional
Who we are
Decades of Experience
$400 Million in real estate acquisitions as a Principal and unparalleled experience in branding and leadership and as a lender.
established in
1976
our founder
Brian Lardner
THE NEXT STEP?
You’re Almost Home
Contact Us Today And We’ll Be Honored To Serve You
GET IN TOUCH
Do You Have A Burning Question Regarding home loans?
Perhaps You Want To Know More About Loan Products, Loan Amounts, Closing Costs, Or A Certain Loan Program?
Contact The best Mortgage Lender in AZ and CA today.
We’ll be honored to serve you, And Show You Why Our Customer Service Is Backed By Countless 5-Star Reviews.
Initial Consultation
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Document Collection
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Evaluation and Approval
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Disbursement Process
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Listing Property
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Jakarta, Indonesia
Jakarta Garden City House & Residence
-
2 -
2 -
2 -
1472 sqft
Bandung, Indonesia
Asya Apartment and Office Tower
-
2 -
2 -
2 -
1472 sqft
Surabaya, Indonesia
Ambassador Tower and Office
-
2 -
2 -
2 -
1472 sqft
Jakarta, Indonesia
Lokamaya Green House & Apartment
-
2 -
2 -
2 -
1472 sqft
Making Your Mortgage Journey Seamless and Painless
At Crown Mortgage of the West, we understand that the path to home ownership or refinancing can seem daunting…
- At Crown Mortgage of the West, we understand that the path to home ownership or refinancing can seem daunting. That’s why we’ve dedicated ourselves to making the mortgage process as painless and straightforward as possible. Our team is here to guide you every step of the way, ensuring a smooth and stress-free experience.
Flexible Rates and Terms Tailored to You
Every borrower’s financial situation is unique, and so should be their mortgage terms. We offer flexible rates and terms that can be adjusted to meet your specific needs and …
- Every borrower’s financial situation is unique, and so should be their mortgage terms. We offer flexible rates and terms that can be adjusted to meet your specific needs and circumstances. Whether you’re buying your first home or looking to refinance, we’ll work with you to find the most advantageous solutions that align with your financial goals.
Your Unique Financial Situation Deserves a Customized Approach
We believe in a personalized approach to mortgage lending. By understanding your individual needs and aspirations, we craft mortgage solutions…
- We believe in a personalized approach to mortgage lending. By understanding your individual needs and aspirations, we craft mortgage solutions that are truly tailored to you. Our team takes the time to explore various options, ensuring that your mortgage not only meets your current requirements but also supports your long-term financial health.
Personalized Assistance From Start to Finish
Our commitment to personal service sets us apart. From your initial consultation to the final signing, you’ll have a dedicated professional by your side…
- Our commitment to personal service sets us apart. From your initial consultation to the final signing, you’ll have a dedicated professional by your side. Our experts will help you navigate the complexities of the mortgage process, providing clear, easy-to-understand explanations and valuable insights to help you make informed decisions.
Talk with a Lending Specialist.
Testimonial
Client Feedback
Proudly Not One Size Fits All. The Power of 105 Lenders a search for a new home is a deeply personal expedition. What is non-negotiable for one buyer may be a non-factor for another. And so it is with mortgages. Each customer has their own set of priority.
Fler kampanjer syns hos utländska pay n play casino som ofta erbjuder ett bredare spelutbud. Välj en sida med tydlig information och ansvar.