Oro Valley, AZ · NMLS# 667008
I help Oro Valley and northwest Tucson buyers and homeowners buy, refinance, and build, with purchase, VA, FHA, conventional, and refinance options.
Questions first? Call (520) 495-8989
Applying online is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.
Loan programs
First-time and move-up buyers. Compare conventional, FHA, and VA options side by side.
Compare builder incentives with outside financing before you sign a purchase contract.
Zero down options for eligible veterans and active duty families.
Flexible credit guidelines and 3.5 percent minimum down payment.
Change your term, remove mortgage insurance, or tap equity when the numbers work.
Documentation options beyond traditional tax returns.
Learn more: first-time buyers · VA loans · FHA loans · down payment assistance · refinance
Local know-how
Popular areas I help buyers with include Rancho Vistoso, Steam Pump Village, Copper Creek, Honey Bee Canyon, La Canada Foothills, and the Oracle Road corridor, plus nearby Tucson and Marana.
Process
See the full timeline and document checklist in Client Resources, or run numbers with the mortgage calculator.
Client reviews
Rated 4.98 out of 5 from 128 reviews on Experience.com.
“with Andy it was more like "this is how we are going to make it work."”
“Andy and his team were wonderfully! Communication was great and they were always willing to answer any questions or concerns I had. It can be stressful buying a new home but they made it as easy as possible! 10/10!”
“Andy and his team kept me fully informed through the loan process. When I had questions or concerns they were prompt to provide answers an additional information making the loan process much more simple. I highly recommend Andy and his team and Neighborhood Loans.”
FAQ
It depends on the loan type. Conventional loans can start as low as 3 percent down for qualified buyers, FHA starts at 3.5 percent, and VA loans can allow zero down for eligible borrowers. I will walk you through which programs fit you.
Yes. Many Oro Valley communities have an HOA. Dues count in your monthly payment and in your debt-to-income ratio. I include them from the start so your pre-approval matches the homes you are actually looking at.
Yes. Oro Valley is in Pima County. Property taxes and some assistance programs follow county rules, so I confirm details for each address before you write an offer.
Programs change often and can depend on the county, your income, and the loan type. Ask me which options are currently available for the address you are looking at, and I will check eligibility with you.
Yes. I work with veterans and active duty families across Oro Valley and the Tucson metro. VA loans can offer zero down for eligible borrowers.
Yes. Whether you want to change your term, remove mortgage insurance, or tap equity, I will show you whether the numbers make sense before you commit.
