Frequently Asked Questions
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
How long does the mortgage approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.
How do I get pre-approved for a mortgage?
You’ll need to submit income, employment, asset, and credit information. I can walk you through the process quickly, often in 24 hours or less.
What determines my mortgage interest rate?
Rates are based on credit score, loan type, term, market conditions, and down payment. I’ll help you lock in the best available rate.
When should I consider refinancing?
Refinancing makes sense if you can lower your interest rate, reduce your monthly payment, switch from an ARM to a fixed rate, or tap into home equity.
Why should I work with you instead of going directly to a bank?
I provide personalized service, access to multiple loan products (not just one bank’s), and can often find better rates or terms to suit your unique financial situation.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
480-277-9723
STACEY SIEWERT
Licensed Mortgage Loan Originator in Arizona and California
NMLS # 685084
NMLS Consumer Access Link
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No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. A reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant. San Tan Mortgage powered by Xpert Home Lending, Inc. is an Equal Opportunity Lender and an Equal Housing Lender | NMLS 2179191