Phoenix Mortgage Lender

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Phoenix Mortgage Lender

Personalized Service for your Home Loan

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.


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.

"TOP 1% Mortgage Loan Originators"

- in US 2019, according to Mortgage Executive Magazine

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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

Reviews from Our

Satisfied Clients

The Highly Motivated

Vercellino Team

NMLS #184169

Jimmy Vercellino

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.

NMLS #132520

Michael Carabio

Pipeline Manager

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.

NMLS #1018745

Brian Coakley

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.

NMLS #184169

Ron Tolson

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.

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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.

About Us

Goldwater Bank - Vercellino Team logo

Goldwater Bank N.A.
Mortgage Division

NMLS #452955

5050 North 40th Street,
Phoenix AZ 85018


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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Jimmy Vercellino

NMLS# 184169

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