Specialty Loans

Unique loans for unique people. Find out if your profession might be considered for a Specialty, Physician, or Hero Loan at Vantage West. Learn more below or for more information, call 520-751-7072.

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.

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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.

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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.

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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.

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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 $1,977.00.  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. An $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. Payment examples do not include taxes or insurance and your actual payment obligation will be higher.