Phoenix Mortgage Lender

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Phoenix Mortgage Lender

Personalized Service for your Home Loan

Buying a house is an exciting adventure, and we want to help you navigate your mortgage loan options so you get the right type of home loan with the best terms.

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.


Types of Loans

PhoenixConventional Loan

  • Lower fixed rate of interest
  • Higher down payment – build equity faster
  • May need Private Mortgage Insurance (PMI)

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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

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Jimmy Vercellino

Serving Families Nationwide with Custom-Tailored Mortgage Solutions

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.

Jimmy Vercellino
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Frequently Asked Questions

  • What Are the Types of Home Loans Available?

    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.

  • What is a Conventional Mortgage?

    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.

  • What is an FHA Mortgage?

    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.

"TOP 1% Mortgage Loan Originators"

- in US 2019, according to Mortgage Executive Magazine

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About Us

Goldwater Bank - Vercellino Team logo

Goldwater Bank N.A.
Mortgage Division

NMLS #452955

3602 E Campbell Ave,
Phoenix AZ 85018

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Contact Jimmy

Jimmy Vercellino

NMLS# 184169


Important Information about Procedures for Opening a New Account.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account (e.g., establishes a formal relationship by means of a loan application). What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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