I’m Jimmy Vercellino, an experienced mortgage originator with Phoenix lender Goldwater Bank Mortgage Division. My team and I work hard to provide a timely, efficient and excellent home loan process for you. We serve families nationwide.ContactApply
Obtaining a mortgage is often one of the largest debts you and I will acquire in a lifetime.
Because my team and I will be responsible for helping you create this debt, we want to learn what is most important to you. This will enable us to provide the custom-tailored mortgage solution you deserve.
- in US 2019, according to Mortgage Executive Magazine
A conventional mortgage loan is secured by the backing of a private lender, unlike FHA or VA loans, which are guaranteed by the federal government. Good credit, steady income and a 20% down payment means you will get a much lower fixed rate of interest. You should also keep in mind that the higher down payment you are making on a conventional mortgage loan will enable you to build a higher level of equity much faster. With this type of loan, if you cannot manage the 20% down payment, you may need to get Private Mortgage Insurance (PMI). Under the terms of a conventional mortgage loan, you will normally be required to pay the full amount of the loan at a fixed interest rate over the course of 30 years. Read More
Producing Branch Manager
Jimmy is committed to making your home loan experience second to none. Jimmy will accurately customize a mortgage that is right for you!
His goal is to help you select a mortgage that integrates into your short and long-term financial goals as it relates to your home; he will manage your mortgage long term to minimize your expense and optimize your investment.
Once you have found the perfect home and successfully negotiated a purchase contract, you can expect to hear from Michael.
Michael is your primary resource for any questions you may have along the way. He will keep you updated and is your “underwriting liaison” helping present your financial package in the best possible way for full loan approval.
Mortgage Loan Originator / Prequalification Specialist
Brian specializes in the structuring and certification of your mortgage loan providing you with what we call a customized lending solution that suits both your short and long-term financial goals.
Shop with confidence, knowing that Brian has done his due diligence completing an up-front thorough review to ensure there are no last-minute hidden closing surprises.
Marketing & Business Development
Our goal as a team is to ensure your entire loan experience is nothing less than excellent.
Ron is directly responsible for marketing and business development.
He has made it his mission to deliver a 5-Star mortgage experience to each client.
find out what you can expect to pay for your home loan
For most mortgage borrowers, there are three major loan types: conventional, FHA and VA. Which one you choose depends upon your down payment, credit record, military service and other factors. We can help you determine which is the best option for you.
A conventional mortgage is a home loan is the most typically used home loan. It conforms to the loan limits set forth by Freddie Mac and Fannie Mae, and is not guaranteed or insured by the federal government. You can get a conventional loan at a fixed or adjustable rate.
An FHA home mortgage loan is often used for first time home buyers, but is available to anyone. The down payment is only 3.5%, and accepts lower credit scores than conventional loans. The interest rate will be higher, but qualifying for the loan is easier.