MORTGAGE PROGRAMS

Find Your Perfect
Mortgage Solution

Discover a comprehensive range of tailored home financing solutions designed to fit your precise financial profile. Whether you are purchasing your first home or expanding your real estate portfolio, we provide the clarity and institutional expertise you need.

Comprehensive Lending Options

Conventional Loan- Fixed Rate Mortgage

KEY FEATURES

  • Down Payment-5%

  • Term- 15 or 30 years fixed

  • Mortgage Insurance- No (If under 80

ELIGIBILITY

  • Minimum 620+ FICO

  • Debt-to-Income: 45%-50%

FHA Loan

KEY FEATURES

  • Down Payment: 3.5%

  • Term: 10, 15, 20, 15, or 30 years, fixed and adjustable.

  • Mortgage Insurance: Yes

ELIGIBILITY

  • Flexible 580+ FICO

  • Debt-to-Income: up to 50% with conditions

VA Loan

KEY FEATURES

  • Down Payment: 0 required

  • Term: 10, 15, 20, 25 or 30 years fixed or adjustable.

  • Mortgage Insurance: No

ELIGIBILITY

  • Flexible FICO

  • Debt-to-Income: Flexible with conditons

Jumbo Mortgage

KEY FEATURES

  • Down Payment: 20%

  • Term: 15 or 30 years fixed and adjustable

  • Mortgage Insurance: No

ELIGIBILITY

  • 640-780+ FICO

  • Debt-to-Income: 40%-43%

  • $832,750 Standard minimum

  • $1,249,125 High cost areas

USDA Loan (Rural Areas)

KEY FEATURES

  • Down Payment: 0 required

  • Term: 30 years fixed

  • Mortgage Insurance: No (Up-front Guarantee Fee financed into loan)

ELIGIBILITY

  • 640+ FICO

  • Debt-to Income: 41%

Renovation Loan 203(k)( FHA)

KEY FEATURES

  • Down Payment: 3.5%

  • Term: 30 years fixed

  • Mortgage Insurance: Yes

ELIGIBILITY

  • 580+ FICO Flexible

  • Debt-to-Income: 50%

Adjustable Rate Mortgage (ARM)

KEY FEATURES

  • Down Payment: Varies

  • Term: 3/1, 5/1, 7/1, 10/1

  • Mortgage Insurance: Varies

ELIGIBILITY

  • 620+ FICO

  • Debt-to-Income: 45%-50%

Non-QM Mortgage (DSCR, Bank Statement, Alt-Doc, Self employed, Business owners, Investors)

KEY FEATURES

  • Down Payment: 20%-35%

  • Term: 30-year fixed, 5/6, 7/6, 10/6 ARMs, interest only options available

  • Mortgage Insurance: Usually None

ELIGIBILITY

  • 620+ FICO (Varies)

  • Debt-to-Income: 40%-50%

APPLICATION PROCESS

The Path to Closing

A streamlined, transparent journey from your initial choice to the final signature.

01 /

Choose Your Option

Colby reviews and selects the mortgage product that best aligns with your financial strategy.

02 /

Apply & Process

Submit your information securely while our team handles the underwriting details.

03 /

Clear to Close

Finalize the paperwork and confidently sign for your new loan structure.

Today's Rates

Live mortgage rate trends and updates, powered by Mortgage News Daily, so you always know where the market is heading.

PERSONALIZED ADVICE

Need Expert Guidance?

Talk to a specialist to map out the perfect mortgage structure for your unique financial situation. We are here to bring clarity to your options.

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Approved by Colby Logo

Providing expert mortgage guidance and tailored loan options to help you secure the perfect financing for your home. Built on trust and professional rigor.

Quick Links

  • Conventional Loans
  • FHA & VA Mortgages
  • Jumbo Financing
  • Non-QM Products
  • Application Process

Contact Us

Email: [email protected]
Phone: (409) 550 8653
Office: 1528 E Williams Field Rd, Bldg. C, Suite 201 Gilbert, AZ 85295

SWIFT MORTAGE LLC EQUAL HOUSING LENDER. Approved With Colby powered by Swift Mortgage LLC is an Equal Housing Lender. LO NMLS ID #2739351, Office NMLS ID #1925754 . All loans are subject to credit and property approval. Rates and terms are subject to change without notice. This is not a commitment to lend.

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