Loan Types

We have Loan Options to Fit Your Needs

A conventional mortgage is the traditional home mortgage that is a private-sector mortgage and not guaranteed or insured by the U.S. government.

VA loans are designed to provide veterans with a federally-guaranteed home loan with no down payment.

The FHA mortgage was designed by the Federal Housing Administration (FHA) to help families who may have otherwise been excluded from the housing market buy their dream home.

Rocking Chairs on a Southern Porch in rural area

This mortgage has zero down payment and is for homes located in rural areas that are designated by the USDA.

A reverse mortgage allows a borrower of at least 62 years of age to access the equity in their home in the form of a lump sum, line of credit, or monthly payments.

Loving young couple spending time together at home

A home refinance can save the homeowner money in the long-term by reducing monthly payments or shortening the term of the loan. A refinance can also be utilized to access equity from your home in the form of cash-out.

A Non-Traditional Loan is a home loan that does not need to meet agency-standard documentation requirements as outlined by the Consumer Financial Protection Bureau (CFPB). These types of loans are for borrowers with unique income qualifying circumstances.

Family of Four With Daughters Sitting on the Steps Outside Their

Excellent, Professional, and Quick. Max Pogue provided exceptional service to ensure that all of our questions were answered. The processing of our loan was thorough, efficient and simple. Yes, I said simple. In the past, we have worked with other lenders and found the process long and frustrating but after working with Max we will never go anywhere else. Thank you Desert Canyon for making this a positive and exceptional experience.

- RJ M.

Brittney, Michelle and the team made our home dreams possible! The whole process was so easy and they were quick to answer any questions that we had. Being a military family we have our own set of unique challenges when it comes to home buying and Brittney was well versed and walked us through each step with confidence! We truly felt cared for and can’t recommend them enough!

- Alexis A.

What a wonderful experience! I've been involved in all types of financial scenarios, both personal and business and I have to say the team at Desert Canyon Mortgage is the best I've ever worked with. They were able to make the whole process very easy and did such a professional job while being so courteous & personable. I am delighted with the results of my resent refinance and still can't get over how quickly and efficiently the team worked.

- Teresa F.