Frequently Asked Questions

Arizona and Colorado

Yes, I can! Even if you're purchasing a home outside of Arizona or Colorado, I have access to a nationwide network of trusted lenders and loan officers on my team who are licensed in multiple states. Together, we’ll make sure you get the same personalized service and competitive rates—no matter where you're buying.

Securing the best mortgage rate starts with a strong financial profile, but it also depends on working with the right lending partner. I have access to a wide network of reputable lenders offering highly competitive industry rates. By evaluating your current financial situation—credit score, income, debt, and goals—I’ll help match you with the loan program that offers the best terms for your unique needs. 

It’s simple—just give me a call or text at 602-330-8930, or email me at atanner@lower.com, and we’ll set up a time to connect.
If you're thinking about buying a home, the best first step is getting pre-approved. This gives you a clear picture of your budget, strengthens your offer, and helps your real estate agent focus on the right homes. Your home search should start with your lender.

You should consider refinancing when you can secure a lower interest rate that justifies the associated closing costs, or when you want to access your home’s equity for strategic financial purposes—such as paying off higher-interest debt, funding major purchases, or making home improvements.

As your loan officer, I can help you determine a target or “strike” rate that aligns with your financial goals. Once market conditions meet that rate, I’ll be notified, and we can move forward promptly.

Apply today to be in position for future savings and smarter financial planning.

Pre-qualification is an initial step that involves a brief conversation with your lender about your income, assets, credit score, and debts. It's a quick way to get an estimate of what you may be able to afford, but it does not include verification of your financial information.

Pre-approval, on the other hand, is a more in-depth process. It requires documentation and verification of your financial details and typically involves submitting your file to preliminary underwriting. Because of this, a pre-approval carries significantly more weight with sellers and real estate agents — showing that you're a serious, qualified buyer.

Not at all. While 20% down can help you avoid mortgage insurance, there are plenty of great loan programs available with as little as 3% down—or even 0% for qualifying VA or USDA loans. I’ll help you find the right fit based on your budget and goals.

Not at all. While a higher credit score can help you qualify for better rates, you don’t need perfect credit to get a mortgage. There are loan programs designed for a wide range of credit profiles, including first-time buyers and those working to rebuild their credit. I’ll review your full financial picture and help you find the best option for your situation.