Loan Programs and Purchase Information

FAQS and Information to make the best decision for you

Glossary – quick links

Loan Types

Moving Checklist

Loan Types

What different mortgage loans are available to you by choosing the John Z Home Loan Team?  Which one do you believe would be the best fit in your scenario?

FHA Loan

A loan that’s backed by the U.S. Government. Considered to be more flexible than the rest when it comes to your “DTI” (Debt to Income ratio) and credit score.
This is the program where you can do a 3.5% down payment. However, there are some regulations in order to do this:


  • A credit score above 580
  • A certain percent of DTI (Debt to Income)
  • Steady income and proof of employment
  • The home that you are looking to purchase must be a primary residence
Mortgage Insurance required for the life of the loan if your down payment is less than 10%


  • Any mortgage loan not insured or guaranteed by the federal government.
  • Fixed-Rate and Adjustable-Rate options
  • Can be used to purchase a home or refinance a mortgage
  • A credit score of 620 and above
  • Minimum of 3% down for first-time homebuyers

VA (Veterans Affairs)

  • $0 down payment mortgage option available to Veterans, Service Members, and select Military spouses.
  • VA loans are issued by private lenders and guaranteed by the U.S. Department of Veterans Affairs
  • No private mortgage insurance
  • Competitive Interest Rates

It’s Time to Move, Now What?

Before you move, there’s a lot to cover and prioritize. Check out these to do items for your new home!

1. Transfer Utilities
Before you get your keys to the new place, you need to set up your physical utilities: water, gas, and electricity. Be sure to notify all utility companies of your move-in date. The sooner, the better. Especially if it’s during a moving season and preferred appointment timeslots have been taken.

2. Connect TV and Internet
You’re going to want to make sure you’re up and running before move-in day by setting up services that work for you. Research your cable and internet companies to ensure you get the best pricing to the service that fits you and your family’s needs. Scheduling installation in advance is just as important as setting up your utilities. You will want to ensure your services are activated in a timely manner and get the appointment slot that works best with your schedule.

3. Update your address
This is a very important one. Your address is connected to many aspects of your life that you may not realize. Banks/credit cards, driver’s license, car registration, and even forwarding your mail from the post office. Be sure to make a list of all your accounts that could have your address tied to them so you are able to update everything at once.

4. Gather important documents
Be sure to organize all of those important documents that you have stashed away in a safe place. Anything from birth certificates, social security cards, passports, medical records etc. Be sure to purge what you don’t need and label and organize everything that you do. Be sure to grab a shredder and some banker boxes. You’ll be glad you did it ahead of time so nothing gets lost during the move.

5. Take photos of valuable items
A good method to practice before any move is to take photos of all of your valuable items. This could be anything from your grandmother’s antique mirror to your TV and computer monitor. By taking these photos, you have proof of the original condition in the event that they’re damaged during the move. No matter how careful or responsible the moving company is, accidents can happen.

6. Research local businesses
Moving to a new city or state? Start researching the local markets, community events, or businesses in your area. By familiarizing yourself, it will help you feel a little bit more settled and connected with your new area!

7. Take off from work
This is just as important as updating your address. Moving is stressful and exciting but overall could be overwhelming. Not only will you be unpacking a sea of boxes, but you’ll also be waiting on deliveries, repairs and installations. Post-move is crucial to getting somewhat settled. Be sure to plan accordingly.

8. Schedule a cleaning
A good idea is to schedule a cleaning to come out to your new home. Chances are the previous owner didn’t take the time to thoroughly clean it for your arrival. Be sure to schedule a cleaning service and carpet cleaners to come in and do a thorough once-over.

9. Schedule home improvements
There could be repairs that will require more attention than others (leaky plumbing, windows that don’t lock etc). If you’re wanting to paint accent walls or do build-ins you’re going to want to do this before you move in. It will make your life way easier.

10. Prepare to pack
As move-in day approaches, start to throw out or donate things you don’t need. Save money by collecting free moving boxes from local businesses or retailers. Lastly, an open-first box is a must. This includes everything you need to survive the first 24 hours in your new home. Think bed sheets, toiletries, water, snacks. You’ll thank yourself when the time comes.


Post-Move Essentials


1. Recruit family and friends to unpack
More hands on deck the better. Figure out the most logical order of unpacking. Before you know it, your new home will all come together.

2. Change your locks
Depending on who owned it last, who knows what the previous owners did with their keys. Be sure to hire a locksmith to ensure locks are installed correctly.

3. Look into setting up a home security system
Moving is one of the best times to set up a home security. If you already have a system in place and tied to a contract, be sure to update your provider on the move to transfer your services. If not, be sure to shop around to find the best possible price for the security needs you are looking for.

4. Test your smoke detectors

5. Create a home maintenance checklist
It’s a good idea to map out items or appliances around the house will require seasonal maintenance checks. Things like cleaning the gutters, landscaping, air duct cleaning, etc. Place a reminder on your phone or somewhere that you’ll know to be reminded when the time comes so you don’t fall behind.

6. Throw a housewarming party!
So many new homeowners get caught up in repairs, moving, unpacking that we forget to celebrate their hard work to get into the home! Time to make new memories and celebrate the next chapter. What better way to celebrate than with your friends and family!

Download a PDF version of the checklist

The Valley is Our Backyard

We know the Valley and support our local businesses and families.  Why go to mortgage companies that are not familiar with your area.  We are located right here in the Valley so we can approve loans faster.

5 Reasons to Purchase a Home

If You’re a Millennial

Glossary – quick links

Loan Types

Moving Checklist

1. Have control of your living space

With a home purchase comes the liberty of personalizing to your heart’s desire.

2. Have the freedom to own a pet

Owning a home allows you the freedom to own a pet with no extra fees!

3. Live in a more modern home

Buying a home gives you the option to make any renovations needed.

4. Engagement in community

With owning a home, you can attend community events and have all the game nights you want!

5. Flexibility in future decisions

Owning a home not only helps you build wealth through home equity, which is money you can get once the house is sold, but it also allows you to easily move on to the next home.

AmeriFirst Financial, Inc., 1550 E. McKellips Road. Suite 117, Mesa AZ 85203 (NMLS # 145368). 1-877-276-1974. © 2020. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Not intended for legal or financial advice. Visit for all state licenses information. Visit NMLS Consumer Access at