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Loan Program Options

Conventional 

Traditional programs that usually require a minimum of 3%* down with 620 credit score -offers competitive interest rates.

Jumbo Loans

For home loan amounts higher than $802,650. Jumbo loans feature similar loan programs to fixed rate and adjustable rate programs. There are even FHA jumbo loans. The main difference between jumbo loans and conforming loans is the interest rate. Because jumbo loans are riskier for lenders they usually have higher rates.

FHA Mortgage Loans 

Issued by the U.S. Dept. of Housing & Urban Development, this mortgage loan offers the borrower the ability to put as little as 3.5%** down along with more flexible credit, income and asset requirements. Loan Amounts vary by County.

VA Mortgage Loans 

Guaranteed by the U.S. Dept. of Veterans Affairs, these loans require no down payment for loans. Minimum military service requirements are necessary to be eligible for a VA loan.

Refinance Mortgage Loans

Refinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn’t your mortgage? Now might be the right time for you to refinance into a lower rate mortgage. 

Adjustable Rate Mortgages 

Adjustable rate mortgages are loans where the interest rate and the payments can vary. While the interest rate and payment on an ARM loan is generally lower than fixed rate loans for a limited period of time, they can adjust higher for the remaining term of the loan.

USDA Loans

A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in a rural area.

Non-QM Loans

Bank statement program, DCSR, ITIN, No Ratio, Foreign National and more.***

List and Lock™ program

Looking to attract more potential buyers and secure better offers without cutting the price? Our List and Lock program is the solution. Lock in a below-market rate on your listing for 60 days, available to any qualified buyer.


Once the rate is secured, you’ll receive a complete set of complimentary marketing materials that highlight the locked rate and the significant savings buyers can achieve by choosing your listing. From sign riders and open house signs to flyers, social media videos, and more, we've got you covered.


This program helps you maximize value for both sellers and buyers—no price drop needed. Start attracting more offers today with our List and Lock program.

Downpayment Assistance Programs

We offer a wide range of down payment assistance programs tailored to meet your unique needs. If you need help with your down payment, we’re here to guide you in finding the perfect program that fits your personal situation.

* Payment example: Stated rate may change or may not be available at time of rate lock. If you bought a $525,000 home with a 30 year loan at a fixed rate of 6.875% (6.957% Annual Percentage Rate), with a down payment of 3%, for a loan amount of $509,250 you would make 360 monthly payments of $3,347.00. Payment stated does not include mortgage insurance, taxes and homeowners insurance, which will result in a higher payment.



** Payment example: Stated rate may change or may not be available at time of rate lock. If you bought a $525,000 home with a 30 year loan at a fixed rate of 6% (7.093% Annual Percentage Rate), with a down payment of 3.5%, for a loan amount of $506,625 you would make 360 monthly payments of $3,037.00. Payment stated does not include mortgage insurance, taxes and homeowners insurance, which will result in a higher payment.


*** These products may have higher interest rates, more points, or more fees than other products requiring documentation

Testimonials

Excellent service!

Made my first time purchase experience very easy. Very professional team, Mark will answer questions at any time of the day. I’m looking forward to work with Mark again on future purchases.

jcervantesh88 from Henderson, NV

Closed Jun 2023

Great to work with!

Mark helped my husband and I every step of the way. He informed us about everything that we needed to know and we felt well taken care of. I would highly recommend!

Veronica Marquez from Phoenix, AZ

Closed Jul 2022

First Time Home Buyer

Mark is a tremendous loan officer. As a first-time home buyer, I asked Mark a ton of questions before, during, and after the home buying process. He was gracious, kind, and timely in his responses. I would vouch for Mark and the team at Peoples Mortgage for any first-time home buyer.

Abhi Prakash

Closed May 2021

He sticks with it.

We first met Mark Tomaszewski at his booth at an AZREIA meeting. Mark was friendly and seemed open to the idea of helping us figure out how to work a refinance out of our very unique situation. When we met with Mark at the People’s Mortgage office, he took an immediate interest in our case. Many other loan officers had already turned us away. Mark took a different approach. He dug in his heels with a determination not often seen in residential loan officers. Mark took the challenge head on. He stuck by our sides jumping through seemingly endless and redundant hoops. Mark is quick to communicate. He replies to emails within minutes and always answers his phone if he is not on another call. In which case, he calls right back. Mark never looses his cool or his patience. He keeps a positive attitude even in the face of frustration. As our loan approached the end of the underwriting process, Mark introduced us to Jennifer Montano who would be handling the organization of all the paperwork for closing. Jennifer is also professional, personable, organized and upbeat. Jenifer does not let a mountain of details slow her down. Her friendly, easy-going personality helps bring an intimidating amount of information into focus. Jennifer is quick and efficient. She also always answers her phone and replies to emails quickly. Together, Mark and Jennifer helped us close a seemingly impossible loan with very little frustration and a lot of smiles. Thank you Mark and Jennifer for working hard and thinking outside of the box.


celesteeileen from Phoenix, AZ

Closed Nov 2019
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