Best Phoenix Mortgages: Glen Reiley Mortgage Broker, Bell Mortgage: mortgages for new home, second mortgages, refinancing mortgages, home equity loans, zero-down mortgages.

Financing your home or investment property doesn’t have to be difficult or time-consuming. Yes, there are more programs than ever, but we promise to get to know you, and your unique situation. This is the role of a mortgage consultant —to understand your needs so completely that we can match you with exactly the best solution. Our clients aren’t just names and social security numbers, they are individuals and families with real needs.

We are continually studying the ever-changing financing landscape, so that we can not only help you choose the right loan, but we can streamline the process from application through closing. We work every day to simplify—so we can spend more time with our clients, to best understand how to help them achieve their goals as quickly and easily as possible.

We have built this website to show you how we can work together with you to quickly and efficiently close your loan. It’s as simple as that. When you’re ready to begin, we’re ready to get started. If you call us, we can usually pre-qualify you in 24 hours—so you will know almost immediately what you can afford. If you wish, you can even enter your no-obligation loan application here on the site. If you discover you don’t have some of the required information, just enter what you can now then come back later to complete the application. Everything you enter on this website is completely secure.

If you’d rather begin by calling, emailing or visiting us, you’ll find everything you need right here—from how to contact us to what to bring when you meet with us to discuss your loan. So we invite you to take a few minutes visiting our site and learn how we operate. Then contact us so we can get to work for you. We look forward to getting to know you.

Sincerely,
Glen Reiley, Mortgage Consultant
Jenna Meyers, Mortgage Coordinator

Application Checklist

In order to make your loan applicaiton process go smoothly, you'll need to collect and organize a few key pieces of financial information.

Please bring the following items to the application or fax them to the attention of Glen Reiley at (480) 753-5802:

• W-2's
• Federal tax returns for the past 2 years if you are self-employed or commission employee
• Most recent pay stubs (30 days)
• Most recent asset statements - bank, stock, 401k, etc... (all pages)
• List of liabilities - credit cards, auto, mortgage, student loans, alimony, child support, etc... (include account numbers and addresses)
• Purchase agreement (if available/applicable)
• Name, address, and phone number of current landlord and previous landlord for last 2 years (if renting)
• Most recent mortgage statement (for refinancing)

Apply for Your Loan

If you are planning to buy a home, you may get pre-qualified or pre-approved. You can typically get pre-qualified over the phone or on the Internet in a few minutes. A pre-qualification is not as beneficial as a pre-approval where you have to go through a more rigorous process which includes verification of your credit, income, assets and liabilities.

It is highly recommended that you get pre-approved before you start looking for a house. Once you are pre-qualified you will know what you can qualify to borrow and avoid wasting time looking at properties that you cannot afford. When you decide to make an offer, being pre-approved for your loan can put you in a stronger negotiating position with the seller. And finally, being pre-approved will help you close more quickly.

Applying for a loan or getting more information is easy. We offer you several convenient options to get started.

1. Fill out our Secure Online Application. If you are ready to apply we recommend this online service which should take 5-15 minutes. Your information comes directly to us.
2. Call us at (480) 753-6100 and we will take your application over the phone.
   Business Hours Monday - Friday 8:00 am - 5:00 pm
   Evenings and Weekends By Appointment
3. Download an application form.(see links below)
4. Have an application mailed to you. Use our contact form to send your request or call the office (480) 753-6100, during business hours.

Express Mortgage Application (MSWord doc)

Express Mortgage Application (PDF)

Verificaiton Authorization (MSWord doc)

Verification Authorization (PDF)

Once your loan application has been received we will start the loan approval process immediately.

This involves verifying your:

1. Credit history
2. Employment history
3. Assets including your bank accounts, stocks, mutual fund and retirement accounts
4. Property value

Based on your specific situation, additional documents or verifications may be required. To improve your chances of getting a loan approval:

• Fill out the loan application completely.
• Respond promptly to any requests for additional documents. This is especially critical if your rate is locked or if you plan to close by a certain date.
• Do not make any major purchases. Do not buy a car, furniture or another house till your loan is closed. Anything that causes your debts to increase might have an adverse affect on your current application.
• Do not move money into your bank accounts unless it can be traced. If you are receiving money from friends, family or other relatives, please contact us.
• Do not go out of town around the closing date. If you do plan to be out of town when your loan is expected to close, you may sign a power of attorney, to authorize another individual to sign on your behalf

Available Loan Programs

If you are purchasing a home the following loan programs are available:

• FHA
• VA
• Conventional
• Jumbo
• 1-4 Apartments/Investment Property
• Zero-down/Neighborhood Advantage
• First Time Home Buyers
• Less Than Perfect Credit
• New construction loans

If you are refinancing the following loan programs are available:

• FHA
• VA
• Conventional
• Jumbo
• Investment Property
• Cash-Out
• Debt Consolidation
• Home Improvement
• Eliminate PMI/MIP

Other Programs Available:

• Second Mortgage
• Equity Loans
• Home Equity Line of Credit (HELOC)

Zero-Down/Neighborhood Advantage

Would you like a program that makes it possible to buy a home with no money down? Well, if you have the following, we have the program:

• good credit
• limited savings

The Zero-down/Neighborhood Advantage Program features:

• 100% financing - no down payment
• 100% of closing costs from gift or other sources
• 30 year fixed rate financing in select markets
• lower income requirements

We also offer "no cash-out" refinances available up to 100% of the appraised value of your home.