Pilot Mortgage LLC

Trusted Mortgage Brokers Located in Gilbert

Mortgage Types

Find the Right Mortgage for You with Pilot Mortgage LLC

Pilot Mortgage LLC is committed to helping homebuyers secure the best conditions possible for their mortgage. To achieve that aim, we offer our clients the chance to compare different types of mortgages for commercial and residential real estate. With our team of experienced brokers at your disposal, you can trust we’ll find the right mortgage for you.

Read on to learn more about your options for different mortgages.

To discuss your options with a member of our team, don’t hesitate to call us at (480) 320-2322 today.

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First-Time Homebuyer Mortgage

First-time homebuyers are at a considerable advantage in the real estate market. There are numerous financial incentives to make it more affordable for them to find their first home.

For a first-time mortgage, you will need:

  • 3.5% minimum down payment
  • Good credit rating
  • Proof of full-time employment or stable income

Our team is ready to demystify the homebuying process for you and ensure you get the best mortgage for your first home.

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Commercial Mortgage

Commercial real estate has its own process for mortgages. Compared to residential mortgages, commercial mortgages typically feature lower loan-to-value ratios and higher interest rates. If you’re considering purchasing commercial property, our team of brokers will be happy to help you find the best deal for your mortgage.

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Investment Property Mortgage

An investment property mortgage is designed for properties intended to generate an income. They can be vacation homes, secondary tenements, or similar types of lodging.

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Purchase-Plus-Improvements Mortgage

A purchase-plus-improvements mortgage is designed for consumers who want to start making improvements to their home immediately after buying it. Typically, these mortgages will include the costs of improvements into the agreement itself, giving the borrower a cash cushion for their renovations.

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Pre-Approved Mortgage

A pre-approved mortgage is a preliminary agreement in which the lender outlines the terms and conditions of a mortgage based your income and credit rating. The borrower can be pre-approved before choosing a property to buy, meaning you can find out approximately how much money you’ll have before entering negotiations with a seller.

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Mortgage Refinancing

Refinancing involves taking out another loan based on the net worth of your home (i.e., your home’s current market value minus what you owe on your mortgage). By replacing your original loan with a new one, refinancing may seem like starting from scratch, but it can be useful to consolidate debt or to access the house’s equity as a source of capital.

To avoid unnecessary fees and penalties, it’s best to seek the advice of a broker from our team when refinancing.

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Reverse Mortgage

A reverse mortgage allows homeowners age 55 and up to get money from their home equity without having to sell their property. If you qualify, a lender can grant you a loan in either one lump sum or in pre-arranged installments.

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Need to Know More About Mortgage Conditions?

We’re happy to answer any questions you may have about mortgage types, conditions, and financing options.

To get started, be sure to contact us.