Physician Fixed Rate*

Vantage West offers a high loan-to-value mortgage program designed specifically for Arizona physicians. These loans are only available for qualified medical professionals and include up to 92% loan-to-value without private mortgage insurance. Any individual licensed or registered as a Medical Doctor (MD) or Doctor of Osteopathy (DO) or with a Doctors of Philosophy (PhD) in any discipline.

Hero Fixed Rate*

The Heroes mortgage program is designed to meet the needs of the dedicated members of our community. These loans include up to 92% loan-to-value and do not require private mortgage insurance. Qualified individuals include any employee of local, state or federal municipality or government, nurses and teachers, or professors.

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No MI Fixed Rate

The No Mortgage Insurance Fixed Rate loan is a great niche product that works for borrowers looking to purchase or refinance a home at a high loan-to-value ratio WITHOUT mortgage insurance. Enjoy a low down payment on a home purchase or refinance while choosing from fixed-rate terms of 10, 15, 20 or 30 years.

Please note that No MI Fixed Rate loans are limited to single family homes.

Professionals Fixed Rate

The Professionals Mortgage program provides a high loan-to-value ratio designed to meet the needs of certain professional service providers. Like our other specialty loans, this program does not require mortgage insurance. Qualified professionals include any person with a four year college degree or higher or possessing Vice President, President or Chief in their current position with their employer.

5 Year Balloon Land

If you’re in the planning states of designing the house of your dreams, then this loan provides you with the land to make it a reality. The 5-year Balloon Land Loan allows for the purchase of a vacant lot with only a 25% down payment. After five years, the loan reverts to a balloon payment of the remaining balance. Lots must be residentially zoned with utilities accessible to the property.

Please note that refinances of lot loans are not permitted.

Disclosures

Restrictions may apply. *Purchase loan only. Payment Examples: A no MI fixed 10 year $200,000 loan with a rate of 3.50% APR and 750 credit score would create a monthly mortgage P&I of $1,977.oo.  A no MI fixed 15 year $200,000 loan with a rate of 3.625% APR would create a monthly mortgage P&I of $1,442.00. A no MI fixed 20 year $200,000 loan with a rate of 4.00% APR would create a monthly mortgage P&I of $1,212.00. A no MI 30 year loan with a rate of 4.250% APR would create a monthly mortgage P&I of $984.00. A $115,000 5 year Balloon Land loan of with a 710 FICO score with a rate of 9.50% APR would create a monthly mortgage P&I of $1,201.00