Mortgage and Lending
Brian and Yolanda Gallegos
Licensed Loan Officer- FHA/VA, HECM
AmeriFirst Financial Inc. - for 1st Time buyers, move up buyers
We are Conventional, FHA,VA, HARP, Reverse Mortgage Specialist. We are also credit and Down payment assistance experts. Looking to purchase or refinance, we can help. We fund & underwrite in house.
Get to know Brian and Yolanda Gallegos
Brian Gallegos and Yolanda are licensed Loan Officer AZBK #0914048 and AZBK#0915082 with Amerifirst Financial NMLS ID #145368, AZ BK #0013635 and California CA-DBO #4130901 Licensed by the Department of Business Oversight under the CA Residential Mortgage Lending Act. Brians CA license CA-DOC208582.
Equal housing Opportunity
The first step in the buying process of a new home is getting Arizona Mortgage Loan Approval. It is better to KNOW what you are quailfied for than the GUESS what your are quailifed for. Apply Now for your new pre approval and find out exactly what you are qualified for, my team will take care of the entire process.
After you have completed the short application, takes about 10 minutes, then my team will issue what is known as an Pre-Qualification Form that your Real Estate Agent will need to submit with your offer. We will invite you to a system where you or your realtor can print the Pre-qualification when you need it.
From Southern Arizona to Northern Arizona and between, we can help you solve your mortgage needs. We are specialist in FHA, VA, Reverse Mortgage.
VA Expert - If you are currently on active duty or a Veteran then you want to contact us. Brian served in the U.S. Navy for over 9 years. So we know how to get you into your home with a VA loan.
HARP 2.0 Principal Reduction Assistance Program - Are you upside down in your home? Do you know you can get up to $100,000 in principal reduction from Arizona Department of Housing and lower your interest rate. We are approved lender for the HARP 2.0 Principal Reduction Assistance program. Give us a call to get started in saving money? DO not wait program will not last.
Wish Program - How would you like to get a 3-1 downpayment assistance. If you put $3000 down the wish program will give you $9000.
Do you have questions around buying a home after Foreclosure, Bankruptcy or Short sale! It's easier than think! Give us a Call.
Amerifirst and Team Gallegos are firm believers in providing the best customer service available in the market. We know that the cornerstone of a good customer relationship is communication throughout the loan process. We apply this not only to the borrower, but to all parties involved in the transaction. From listing agents to buyers agents, we want everyone to know where the process stands at all times. To solidify this belief we communicate daily with or borrowers and provide a weekly status report to every person associated with the transaction. It all starts with full disclosure of the available loan programs and a strong knowledge of FHA, VA and Fannie Mae guidelines. It doesn't end at closing either, we stay in constant contact with our past clients and referral partners to keep them up-to-date on how changes in the market could will effect their overall financial picture.
Realtors working with our team means:
You become a partner of our firm, where we help you develop your business, so you learn how to get more buesiness. We want to work with our referral partners by showing you how to leverage technology. Online Pre-approvals, so you can print them when you need them.
If you're a Real Estate Agent and you're looking for buyers to sell homes too, then you need to give us a call. We service Arizona and California at this time, but bringing on other markets in the very near future.
Would you like to be able to go into any listing presentation and GET the listing? Ask how?
Don't take my word for it, we have a class developed where you earn CE Credits, 3 hours General that will teach you how to market your listing, Use your listing to get more buyer leads with text sign riders. We will also show you how to blog your listing.
Brian and Yolanda Gallegos's Blog Posts
While we excel in all loan scenarios, our area of expertise is the FHA first-time home buyer. From knowledge of the loan programs available, to the education designed to ensure you make the choice that is right for you, Amerifirst is second to none.
We find that our knowledge of FHA, VA and first-time buyer programs also translates well to investors. Investors need expertise in these programs to help move their homes after rehab. They also need someone knowledgeable in how to structure lease purchases to optimize the rent credits and to ensure the underwriting process is smooth and painless. We have become experts in credit analization and no borrower gets left behind. Even if you don't qualify today, we will provide you with a detailed Path to Homeownership that will outline the steps you need to take in a clear and concise manner to become a homeowner.
We specialize in FHA loans and VA loans in Arizona. We offer FHA & VA loans in Arizona for purchasing, refinancing, and for taking cash-out. My company, AmeriFirst Financial, Inc, is affiliated with lenders that offer attractive FHA & VA loans in Arizona. As a mortgage banker, I am able to place requests for FHA & VA loans with the lender that has the best rate for that day for my clients. I offer pre-approvals for Arizona and California purchases, and helps my clients package their loan file in the most advantageous way to get their request approved. FHA loans in Arizona have become the most popular type of mortgage financing due to the minimum down payment requirements, exceptionally low rates and fast approvals. No more guessing if you're approved on an FHA & Va loan, now you can shop for that home with confidence knowing that you have the money secured to close.
FHA Loan Limits in Arizona for Maricopa county currently sit at 271,050.00 the down payment requirement is 3.5% and the UFMIP (Up Front Mortgage Insurance Premimum) is 1.75% (on average). The monthly mortgage insurance is 1.35%. Arizona FHA Loans are great right now first time home buyers and move up buyers, you can get a gift for the down payment and the seller can pay all your closing costs.
Fha Loan Documentation:
Tax Returns are needed if self employed all Fha Loans in Arizona for 2012 and 2013, if you have not filed 2013 then give me a copy of the extension- Must have filed your tax returns, we will be ordering a Transcript of the filed returns to verify your 1040's. In the event you can not find your Tax Returns, you will need to go to the IRS Consumer Division and order a copy they will give them to you there. W-2's for 2011 and 2012. Are needed for Fha Loans in Arizona 2 Most recent bank statement, all pages all accounts for last 60 days to verify assets to close for Fha Mortgage Investment accounts, 401k or IRA account statements, all pages most recent Copy of Drivers License(s). Year Make and Model of Vehicle with approx values Contact for Verification of Employment - Need name and Fax Number Contact Information for Landlord - Need name and fax number Contact For insurance agent. Letter of Explanation regarding Inquires on your credit. If you have not added any new credit lines, then this will suffice: I have not opened any new credit lines, or added any other debt not listed on my credit report. SIGNED, DATED Letter of Explanation regarding ANY derogatory credit explaining any late payments, collections etc. For bankruptcies discharged in the last 7 years, explain what happened to cause the BK and mention that you have taken care of the cause as to ensure it will not happen again. SIGNED, DATED IF APPLICABLE - copy of Bankruptcy papers, with discharge - Copy of Divorce Decree - Copy of Child Support Order