Take the first step
Choosing the right loan can be overwhelming, but you do not have to do it alone. Our team of experienced professionals guides you through every step — from the first conversation to final approval. Answer five quick questions and a licensed Yuma advisor will call you back with the programs that fit, usually within one business day.
How we help you choose
- Buying your first home? FHA accepts lower credit scores and smaller down payments.
- Served in the military? A VA loan can mean zero down for eligible borrowers.
- Strong credit and savings? A conventional loan often wins on overall cost.
- Already own your home? Refinancing can change your rate or term, or unlock equity.
Which loan program is right for me?
It depends on your credit, savings, military service, and the property. That is exactly what the free quote call is for: an advisor compares the programs you qualify for and explains the trade-offs in plain language.
Do you quote rates on this page?
No. Rates change daily and depend on your profile, so any number printed here would mislead. Your personalized options and costs are disclosed in writing in your Loan Estimate.
Can I switch programs after I start?
Often, yes — before your loan is locked and underwritten, your advisor can re-shop a different program if your situation or goals change.
Should I use a mortgage broker or my bank?
They are genuinely different: your bank can only offer its own products, while a broker prices one application across many wholesale lenders and can move your file if one lender declines it. Banks can win when you have deep relationship pricing. We wrote an honest side-by-side — see mortgage broker vs. bank — and the free way to settle it is comparing Loan Estimates for the same loan.
Do you offer USDA loans in Yuma County?
Yes. USDA Rural Development loans offer zero down for homes in designated rural areas — and much of Yuma County outside Yuma city limits, including communities like Wellton and parts of Somerton and San Luis, has historically been eligible. Eligibility is checked address by address and the maps change, so send us the address and we will verify it in minutes.
Which loan is best for a first-time buyer in Yuma?
There is no universal answer — it depends on your credit score, savings, military service and the property. As a rough map: strong credit with 3–5% down often favors conventional; thinner credit or a recent credit event favors FHA; eligible veterans and active-duty service members should almost always price VA first; rural addresses may unlock zero-down USDA. We check all of them on one application and show you the comparison.
Can I get pre-approved before I find a house?
Yes, and you should — in a competitive market, Yuma listing agents expect a pre-approval letter with your offer. Our quick quote takes about a minute and does not touch your credit; a full pre-approval adds documents and a credit check and is typically ready fast. It tells you your real budget before you fall in love with the wrong house.
What documents do I need to apply?
For most borrowers: a month of pay stubs, two years of W-2s or tax returns (two years of returns if self-employed), two months of bank statements, and photo ID. VA loans add your Certificate of Eligibility, which we can order for you. Everything uploads electronically, and we tell you up front exactly what your file needs — no document scavenger hunts in week three.