Questions or need pre-approval Now? Call or text 602-614-7424 for all your mortgage needs!
Conventional / Full Document Loans
Traditional loans for borrowers who meet standard income, credit, and asset requirements. Enjoy competitive interest rates and flexible terms with as little as 3% down.
Conventional Loan Requirements
• Minimum 620 credit score
• Debt-to-income ratio up to 50%
• Documented income and employment history
• Up to 97% loan-to-value
• Conforming loan limits apply
Loans
Easy Loans For All
Joseph ValVerde NMLS # 1600827
Powered by Loan Factory Co-NMLS# 320841
Available 7 days a week by appointment!
Equal Housing Opportunity
NMLS Consumer Access
joseph.valverde@loanfactory.com
602-614-7424
Easy Loans For All is a division by Joseph ValVerde at Loan Factory. Not all products and loan programs are available in all states. Terms and conditions apply. This is not a commitment to lend. Rates, terms, and availability subject to change without notice.
All loans are subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required, including flood insurance where applicable. Consult a tax advisor regarding the deductibility of interest.© 2025. All rights reserved.