Business Details
Your Trusted Mortgage Partner in Scottsdale
We are a dedicated mortgage lending company committed to delivering exceptional customer service and personalized financial solutions. With extensive expertise in residential lending, we offer a comprehensive range of loan programs tailored to meet diverse client needs. Our team prioritizes transparency and client education, providing free consultations to guide borrowers through the mortgage process.We specialize in conventional, FHA, VA, and jumbo loan products while offering specialized programs for borrowers with unique financial situations. Our Scottsdale-based team combines local market knowledge with national lending standards to empower homeownership through informed decision-making and ethical practices.
Services
VA Loans
FHA Loans
Conventional Mortgages
Jumbo Loans
Refinance Programs
Highlights and features
- We offer specialized mortgage programs for veterans and first-time homebuyers
- Our team provides free personalized mortgage consultations
- We have expertise in conventional, FHA, and VA loan programs
- We assist borrowers with credit challenges and high debt ratios
- Our Scottsdale-based professionals offer local market expertise
Associations and certifications
- NMLS 179562
Services
VA Loans
VA Loans provide qualified veterans with zero down payment options and competitive rates. These government-backed mortgages eliminate private mortgage insurance requirements and allow seller-paid closing costs. Our team specializes in VA loan processing and funding fee calculations for active duty and honorably discharged service members.
FHA Loans
FHA Loans offer low 3% down payments and flexible credit requirements for first-time buyers. These HUD-insured mortgages allow seller contributions toward closing costs and feature competitive rates. We help clients navigate FHA loan limits and documentation requirements for primary residences.
Conventional Mortgages
Conventional loan programs require as little as 5% down with competitive rates for qualified borrowers. We offer fixed-rate and adjustable-rate options for primary residences, investment properties, and second homes with flexible documentation options for various income types.
Jumbo Loans
Jumbo Loans provide financing for high-value properties exceeding conforming loan limits. We offer 15- and 30-year fixed rates with full, alternative, and limited documentation options for primary residences and investment properties without prepayment penalties.
Refinance Programs
Our refinance options include rate-and-term and cash-out programs for conventional and VA loans. The VA Streamline Refinance allows qualified veterans to reduce rates with minimal documentation, while conventional refinancing offers competitive terms for primary and investment properties.
People
Jamie Smith
President
Jamie Smith leads JKS Mortgage with over 15 years of mortgage industry experience. He specializes in VA and FHA loan programs while overseeing all lending operations. Jamie focuses on ethical lending practices and client education.
Questions
What mortgage loan options do you offer?
We offer VA, FHA, conventional, jumbo, and specialized loan programs for various financial situations.
Do you offer financing for first-time homebuyers?
Yes, we specialize in FHA loans with low down payments and VA loans for qualified veterans.
Can I get pre-approved for a mortgage?
Yes, we offer quick pre-qualification to help you understand your home buying budget.
What are your credit requirements?
We work with borrowers with varying credit profiles, including those with past credit challenges.
Do you offer refinance options?
Yes, we provide conventional and VA streamline refinance programs to help lower your rates.
