Becky Bell - Realtor
Your Realtor for Life
Cell: 480-390-3678
Office 480-821-4232
Mortgage Information

Trusted Lenders

Bill Rabold - Waterstone Mortgage

Office: 480-635-3052

3489 E. Baseline Rd.

Gilbert, AZ  85234



Deb Klein, Caliber Home Loans MBA

Office: 480.550.0211 

Mobile: 602.330.5052 

Fax: 855.822.8402 

2121 W. Chandler Blvd, Suite 215

Chandler, AZ 85224  

AZ / CA NMLS# 595188 

Jason Breinholt- Fairway Independent Mortgage

Mobile: 480-516-7194

Office: 480-467-3006

2218 E. Williams Field R. Ste 260

Gilbert, AZ 85296 

Ryan Whalen
Office: 480.821.2577

Fax: 480.389.2558

NMLS 217739

Your real estate mortgage resource

97 Percent Loan Programs

Fannie Mae:  Both 3% Down Programs
  1. Down payment and reserves can be gifted
  2. One of the buyers must be first time home buyer (defined by not being a home buyer in the last 3 years)
  3. Minimum 620 FICO scores

Fannie Mae:  My Community Mortgage (MCM)

  1. There is a maximum income of $61,900 for anyone on the loan
  2. Homebuyer education required
  3. Borrower may not have any other type of ownership at time of closing

Standard 97%

  1. No income limit
  2. No homebuyer education
  3. Can own another home at time of closing

Freddie Mac:

  1. Does not have to be a first time home buyer
  2. Freddie Mac to roll out sometime in early 2015
  3. 43% maximum ratios


For more info on these programs please fill out your information below and/or contact:
Bill Rabold - Waterstone Mortgage 480-635-3052 
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Tempe real estate and homes for sale is our specialty. Using this mortgage section can help you understand just what it takes to have a successful Tempe real estate transaction in any Maricopa County, area including Chandler, Tempe, Gilbert, Mesa, Queen Creek, and Phoenix.