Business Details
25 Years
experience
Your Trusted Mortgage Broker in Phoenix, AZ
Since 2001, Loan Goal has been dedicated to providing tailored mortgage solutions for homebuyers, refinancers, and investors across 18 states. Our team of nationally certified mortgage professionals prioritizes transparency, integrity, and personalized service, ensuring clients receive financial solutions aligned with their unique needs. As a non-delegated lender and mortgage broker, we leverage a network of lending partners to secure competitive rates and flexible terms, including no-overlay loan options.With expertise in FHA, VA, USDA, and conventional programs, we specialize in serving borrowers with diverse credit profiles, from first-time buyers to seasoned investors. Our commitment to client education, market insight, and secure transactions has established us as a trusted resource for residential lending.
Services
FHA Loans
VA Loans
USDA Loans
Refinancing
Cash-Out Refinance
Conforming Loans
Jumbo Loans
Adjustable Rate Mortgages
Bank Statement Loans
DSCR Loans
Details
- Year established: 2001
Highlights and features
- We offer 20+ years of experience in residential lending with no credit score overlays.
- Our team serves borrowers in 18 states with tailored mortgage solutions.
- We provide transparent transactions with no hidden fees or data sharing.
- Our network of lenders ensures access to competitive rates and flexible terms.
- We specialize in FHA, VA, and USDA loans for low-credit-score borrowers.
Services
FHA Loans
FHA loans provide low-down-payment options with minimum credit scores as low as 500. These government-backed mortgages are ideal for first-time buyers seeking affordable financing. Our team simplifies the application process while ensuring compliance with federal guidelines.
VA Loans
VA loans offer zero-down-payment options for eligible veterans and service members. We specialize in processing VA IRRRLs and standard VA mortgages without credit score requirements. Our brokers ensure seamless access to military-specific benefits.
Cash-Out Refinance
Cash-out refinancing allows homeowners to tap into equity for debt consolidation or home improvements. We offer up to 100% LTV options with competitive rates. Our process maximizes loan-to-value ratios while minimizing documentation hurdles.
USDA Loans
USDA loans provide zero-down financing for rural property buyers with 580+ credit scores. We guide applicants through eligibility requirements and income limits. Our expertise ensures efficient processing for USDA-approved areas.
DSCR Loans
DSCR loans evaluate property income potential rather than personal income. We cater to real estate investors seeking non-traditional financing. Our solutions include terms for multi-family units and commercial-residential hybrids.
Questions
What loan programs do you offer for low-credit-score borrowers?
We specialize in FHA loans (500 minimum credit score), VA loans (no credit score requirement), and USDA loans (580 minimum credit score) with low-down-payment options.
Can I refinance without a credit score check?
Yes, we offer VA IRRRL programs with no credit score requirements and FHA streamline refinances for qualified borrowers.
Do you offer cash-out refinancing?
Yes, we provide cash-out refinancing up to 100% LTV through VA loans and tailored options for FHA/conventional borrowers.
Are you licensed in my state?
We are licensed in 18 states including Arizona, California, Texas, and Florida. Check our NMLS profile for complete licensing details.
How does your mortgage brokerage model work?
As a non-delegated lender, we submit loans to partner institutions for underwriting, giving us flexibility to find lenders matching your specific financial situation.
What sets you apart from big banks?
We maintain client privacy, avoid data sharing, and offer personalized service with no automated underwriting overlays that big banks typically use.
