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Buying a home can seem like a daunting task. There are a few steps involved, but I am here to make your home purchase as seamless as possible.
What Types of Loans are Available to You?
fha loans
FHA Loans
An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Designed for low-to-moderate-income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.
Conventional Loans
A conventional loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), the Farmers Home Administration (FmHA) and the Department of Veterans Affairs (VA). It is typically fixed in its terms and rate.
VA Loans
A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA). The basic intention of the VA home loan program is to supply home financing to eligible veterans and to help veterans purchase properties with no down payment.
Jumbo Loans
A jumbo loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the Federal Housing Finance Agency (FHFA). Unlike conventional mortgages, a jumbo loan is not eligible to be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac.
USDA Loans
USDA loans are zero-down-payment mortgages for rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.
Hard Money Loans
A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private investors or companies.
Non QM Loans
A non-QM loan is any loan product that doesn't meet the standards of a qualified mortgage. Non-QM loans can have higher mortgage rates than a 30-year, fixed-rate mortgage.
Down Payment
Assistance Loans
Down payment assistance programs can be administered by a local or state housing authority, a nonprofit organization or directly through your lender. They provide a set amount of money to qualified homebuyers.
The Four Stages of the Loan Process
There are many steps in the loan process. Here are the main pieces to the loan puzzle.
Application and Qualifying
Find a Home and
Make An Offer
Submit Complete Loan File to Underwriting
Satisfy All Underwriting Conditions and Close on Your New Home
Once we receive a complete application, we can pull credit, and work on the prequalification.
After the prequal is issued, it's time to look for a home. Our highly qualified realtor partners are magical in this process. When you find a home that you love, we make the offer.
All necessary documents are gathered and contracts are signed. We submit the file to the underwriting department and await approval.
When all conditions have been met, we send out the closing disclosures and schedule the final signing. Then you get the keys to your new home.
Learn More About Todd
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  • Todd Uzzell is a Mortgage Loan Officer at Starboard Financial, where he facilitates all aspects of the home buying process, including home purchases, refinances, and investment properties. Todd has assisted homebuyers in all stages of life, from first time homebuyers, to move up/step down, and investors too. Todd helps potential homeowners to understand the complexities of buying a home and ensures a seamless experience. Todd is an expert in helping homebuyers purchase homes with little to no money down. Todd is a lover of all things outdoors and a father of two great kids from Arizona by way of Texas.
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Todd Uzzell
Mortgage Loan Officer
NMLS 1525192
1330 S. Aaron St
Mesa, AZ 85209
Phone - 480-330-1724
About Us
Our business is focused on helping our clients get what they want. Whether buying a home or refinancing, we have you covered.
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