Phoenix Mortgage Lender

Mortgage Calculator 480-800-8387

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 First Western Trust Mortgage Division. My team and I work hard to provide a timely, efficient and excellent home loan process for you. We serve families nationwide.

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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

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find out what you can expect to pay for your home loan

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Meet

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.

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Jimmy Vercellino
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From our Blog

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Some

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

First Western Trust - Vercellino Team logo

First Western Trust

NMLS ID 477166

Call: 602-908-5849

3602 E Campbell Ave,
Phoenix AZ 85018

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Contact Jimmy

Jimmy Vercellino

NMLS# 184169

Important

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Lender.

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