Home loan options
As a mortgage broker, I compare conventional, government-backed, and non-QM programs across the lenders I work with, so the loan fits your situation instead of the other way around.
Justin Lazzaro, NMLS #1229453 | Reasy Financial, LLC, NMLS #2446155 | Licensed in Arizona, Pennsylvania, Florida, and Texas
Conventional, government, and jumbo loans
The programs most buyers start with. Open one to see who it fits, how it works, and what to know before you apply.
Conventional
A flexible option for buyers with steady credit and some down payment saved.
FHA
Lower credit and down payment minimums, popular with first-time buyers.
VA
A home loan benefit for eligible veterans, active-duty service members, and surviving spouses.
Non-QM and self-employed loans
Non-QM loans are for borrowers who do not fit standard documentation. They qualify income and credit in other ways.
DSCR
A non-QM option for real estate investors. Qualifying is based on the property's rental income rather than your personal income.
Bank Statement
A non-QM option for self-employed borrowers. Income is documented with bank statement deposits instead of tax returns.
Asset Depletion
A non-QM option for borrowers with substantial savings or investments. Qualifying income is calculated from your assets rather than a paycheck.
1099 and P&L Loans
Qualify with 1099 forms or a profit and loss statement prepared by your tax professional.
ITIN Loans
Home loans for borrowers who file taxes with an ITIN instead of a Social Security number.
After a Credit Event
Options after a bankruptcy, foreclosure, or short sale, before agency waiting periods end.
Refinance and home equity
If you already own a home, these are the ways to improve your loan or put your equity to work.
Refinance
Replace your current mortgage to change the rate, the term, or the loan type.
Cash-Out Refinance
Replace your mortgage with a larger one and receive the difference in cash at closing.
VA Refinance
Streamline and cash-out refinance options for eligible veterans and service members.
HELOC and Second Mortgages
Borrow against your equity and leave your first mortgage in place.
Bridge Loans
Short-term financing that lets you buy your next home before your current one sells.
Home Value
See an estimate of what your home is worth before you decide. It is not an appraisal.
More ways to buy or build
Programs and tools for first-time buyers, investors, and anyone building a home.
First-Time Home Buyer
Programs for buyers with limited savings or a shorter credit history.
Down Payment Assistance
Grants and second loans that help cover the cash needed to close, where available.
Temporary Rate Buydown
A seller or builder credit that lowers your payment in the early years of the loan.
Investment Property
Conventional and DSCR financing for rentals, plus second home loans.
Construction
One loan that covers the lot, the build, and the permanent mortgage.
Get Prequalified
Not sure which loan fits? Answer a few questions and I will point you to the right program.
Ready to talk it through?
Pick a time that works for you. We'll go over your goals and next steps, no pressure, just a conversation. Prefer to call or text instead? Reach me directly at (412) 638-4982, or book a quick Zoom if that's easier.
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Licensing
Justin Lazzaro, NMLS #1229453
Reasy Financial, LLC, Company NMLS #2446155
AZ Mortgage Banker License BK #2012302
FL Mortgage Broker License MBR6883
PA Mortgage Broker License 107748
TX Mortgage Company License 2446155
Licensed in Arizona (LO-2001846), Florida (LO71883), Pennsylvania (73668), and Texas
Contact
14100 N 83rd Ave, Suite B-230
Peoria, AZ 85381
