Brent Mcdonald

      Branch Manager & Senior Loan Originator

Make your family a Priority?        Rest assured that we will!

Purchasing a home

Welcome and congratulations on taking your first step to buying a new home.  We look forward to putting our expertise and experience to work serving you and your family!  

Refinancing a home

Interested in reducing your payment, getting some cash for renovations or paying off your house faster?  We’ll help you optimize your mortgage plan.

 You are welcome to use the “Apply Online” link above to fill stuff out, but  I’d prefer talk to you. 

     Please don’t hesitate to give me a buzz at 602-549-7090

Helping your family own a home with Financial Peace 

The right team to serve you

I love real estate and families.  Unfortunately most of us need to borrow a bit of money to buy a house.  That is where we come in.  The way we see it, our professional  responsibility to help you manage that debt.  Some folks think I’m in the business of doing loans but I don’t see it that way at all.  I see my primary responsibility is to help you INTEGRATE the mortgage loan you select into your overall long and short term investment goals.  Helping you to MAXIMIZE your monthly cash flow and MINIMIZE your long term interest expense.  Let’s have a conversation about the things that are important to you.

Strategic Planning for both short & long term

Credit Score Optimization

Down Payment Assistance

Debt Management & elimination

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What Loan Program is right for you?

 

At first glance, the several types of mortgage loans may look like a secretive alphabet soup.  We see it as our responsibility to help put the cookies where everybody can reach them…moreover we are here to help make sense of it all.

Conventional

These are the most common type of loans you’ll encounter. As these are not insured or guaranteed by a government agency, they’re generally considered a higher risk for lenders, so credit and income requirements may be stricter.

VA - Veterans Administration

I’m a veteran myself and love serving other vets.  A VA loan is any home loan made by private lenders and guaranteed by the U.S. Department of Veterans Affairs (VA).  VA loans are a benefit available to veterans and offer a great option because they don’t require a down payment as long as the sales price doesn’t exceed the appraised value or mortgage insurance.

Veterans and active members of the military should check their eligibility before applying for such a loan.

FHA

FHA loans, which are federally insured by the Federal Housing Administration, require a down payment as low as 3.5 percent and tend to have looser guidelines.

These loans may be a good option for borrowers with less cash and a lower credit score.

“FHA loans require upfront mortgage insurance and annual mortgage insurance that you generally pay monthly over the course of the term” Iit’s wise to compare your options with a conventional loan to see which serves your needs better.

Jumbo loans

A jumbo loan is a loan for an amount that exceeds the conforming loan limits for the county where the property is located. Because it doesn’t “conform” to the loan limit, a jumbo loan is by definition nonconforming.
The down payment requirements differ depending on the scenario and qualifications.  You may need a higher credit score to be approved for a jumbo loan, due to the higher risk the lender is taking on. You also need to have adequate income to afford the larger payments on a greater loan amount.

USDA loans

Government-insured U.S. Department of Agriculture (USDA) loans do not require a down payment and may have lower mortgage insurance premiums than other options. USDA loans require borrowers to meet certain household income limits for the area where they want to buy a home, says Banfield.

The house must also be located in an eligible rural area, but you might be surprised about what qualifies as “rural.”  Areas that are in the outer suburbs may qualify for this program.

Serving YOUR FAMILY like they are our family

Brent has been financing homes in Arizona for 20+ years; this expertise makes the difference in finding solutions for borrowers. Brent works at All Western Mortgage a boutique lender that is family-owned and operated. Brent leverages the flexibility & power of All Western Mortgage to create a personalized experience for each of his clients, keeping the everybody in the loop throughout the process is his specialty….well that and solving problems. Brent is exceptionally at getting over, under or through obstacles to get a family into their home.

Brent grew up in rural Michigan and moved to Arizona in 1997, where he met his “angel,” his wife Elizabeth, at the swimming pool in their apartment complex in Old Town Scottsdale. Together, they are the proud parents of two teenagers his daughter Jordan and son Noah. Brent is a family man who puts those he loves first, and he makes a point to treat his customers with that same level of focus and integrity.

When not at work, Brent stays busy with youth sports. He coached his son and daughter for a bunch of years but now that they are older, he supports them from the bleachers. Brent loves God and facilitates the Dave Ramsey Financial Peace University Course at his church. During those rare “alone” moments, you will find Brent on at the Golf course, riding his road bike doing some woodworking….all while listening to some good-ole Rock-N-Roll.

Lets Connect

Customer Testimonials

Brent McDonald

brent@brentmcdonald.com

M: 602.549.7090

A: 16420 N. 92nd St. Suite E105 | Scottsdale AZ 85260

NMLS #1744198

 

Corporate Stuff

info@allwestern.com

HQ:  866.296.0300

A:  8345 W Suunset Rd. #380 | Las Vegas,  NV 89113

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