No two homebuyers are exactly alike—and neither are their mortgage needs. At Marketline Mortgage, LLC, we help borrowers compare a wide range of home financing options to find a loan that fits their goals, finances, and plans for the future.
Whether you’re buying your first home, moving up, purchasing a luxury property, investing in real estate, refinancing, or exploring your home equity in retirement, we’re here to help you understand your options and make an informed decision.
Not sure which program is right for you? Contact Marketline Mortgage and we’ll help you compare your options.
Conventional mortgages are among the most popular home financing options. They aren’t insured by a government agency and can offer competitive rates, flexible terms, and multiple down-payment options for qualified borrowers.
Conventional financing may be a good fit for:
Some qualified borrowers may be able to purchase a primary residence with as little as 3% down.
FHA loans are insured by the Federal Housing Administration and are designed to make homeownership accessible to a broad range of qualified borrowers.
FHA financing may offer:
FHA loan limits vary by county and property type and are updated annually. HUD’s 2026 one-unit limits range from $541,287 in standard-cost areas to $1,249,125 in designated high-cost areas.
Eligible Veterans, active-duty service members and certain surviving spouses may have access to one of the most powerful home financing programs available.
VA-backed loans can offer:
Nearly 90% of VA-backed home loans are made without a down payment, according to the Department of Veterans Affairs. Eligibility and entitlement are determined through the VA Certificate of Eligibility and applicable lending requirements.
USDA home loans can provide an attractive path to homeownership for qualified borrowers purchasing eligible properties in designated rural and suburban areas.
Depending on the program and borrower qualifications, benefits may include:
Property location and household income restrictions apply.
When the loan amount exceeds the applicable conforming loan limit, jumbo financing may provide the solution.
Jumbo loans can be particularly important in higher-priced markets such as Cave Creek, Scottsdale, Paradise Valley and other Arizona luxury-home communities.
Depending on the program, jumbo financing may offer:
Rather than relying on an outdated dollar threshold, jumbo classification depends upon the current conforming loan limit for the property’s location and type. FHFA updates those limits annually.
One of the biggest misconceptions about buying a home is that you need 20% down.
You don’t.
Depending on qualifications and the loan program, buyers may have access to:
We’ll help you compare the programs available to you and understand the true amount of money you may need to purchase a home.
For some homebuyers, the monthly mortgage payment isn’t the biggest obstacle—the upfront cash is.
Down-payment and closing-cost assistance programs may be available depending on your location, income, occupation, property and loan program.
Programs change frequently, so rather than relying on outdated information online, talk with Marketline Mortgage about the programs currently available for your situation.
Not every qualified borrower fits neatly into a conventional mortgage box.
Self-employed borrowers, business owners, real estate investors and borrowers with complex financial profiles may benefit from alternative documentation or Non-QM mortgage programs.
Depending on the program, qualification may consider:
Program requirements, rates and terms vary substantially.
A Debt Service Coverage Ratio—or DSCR loan—may allow an investor to qualify primarily based on the property’s rental income and cash flow rather than traditional personal-income calculations.
DSCR financing may be useful for:
For homeowners age 62 or older, a Home Equity Conversion Mortgage (HECM) may provide a way to access a portion of accumulated home equity without requiring monthly principal and interest mortgage payments.
Depending on eligibility and circumstances, proceeds may be available as a lump sum, line of credit, monthly advances, or a combination of options.
The borrower remains responsible for property taxes, homeowners insurance, property maintenance and other applicable property charges, and the home must generally remain the borrower’s principal residence.
For 2026, HUD established the nationwide HECM maximum claim amount at $1,249,125.
A refinance can potentially help homeowners accomplish several different objectives—not simply lower an interest rate.
Depending on your circumstances, refinancing may allow you to:
A refinance should make financial sense after considering the new rate, payment, closing costs, loan term and how long you expect to own the property.
Marketline Mortgage can also help borrowers explore specialized financing solutions for unique properties and financial situations.
Depending on availability and borrower qualifications, options may include renovation financing, manufactured-home financing, investment-property programs, alternative documentation loans and other specialty mortgage products.
Getting a mortgage isn’t just about finding a loan. It’s about finding the right loan for you.
Marketline Mortgage, LLC takes the time to understand your goals, explain your options and help you evaluate the financing strategies available for your situation.
Whether you’re buying your first home, purchasing a luxury property in Cave Creek or Scottsdale, investing in real estate, refinancing or considering a reverse mortgage, we’re ready to help.
All loans are subject to credit approval, underwriting requirements, property eligibility and applicable program guidelines. Loan programs, terms and eligibility requirements are subject to change without notice. This information is for educational purposes and is not a commitment to lend.