Your mortgage experience
can be a great one!

Renters, First-Time Home Buyers, Veterans, Active Military, Bad Credit Borrowers…Purchasing a new home? Refinancing? Gilbert, Chandler, Mesa, San Tan Valley, Apache Junction, Fountain Hills, Globe, Miami…Competitive Rates on Home Loans! Contact us to find the best home loan for you! Specializing in FHA & Conventional Home Loans, VA Home Loans, USDA, Jumbo, Portfolio Alt-A or Subprime home loans.

Use our handy mortgage calculator to get a quick idea of how much home you can afford.

Or call us today and we can walk you through the process and help you get pre-approved for a home loan so you will be ready to make an offer when the perfect home comes along!

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How to Get Approved For A Home Loan

Wondering how it all works?
Here are a few of the criteria we take into account when processing home loans for our clients.

Credit Score

The better your score, the more likely you are to get a great interest rate. But even if you don’t have perfect credit, contact us, we have home loan options for everyone, and can provide credit bureau approved methods to improve credit scores so you can get a better loan rate in the future.

Down Payment

Your down payment is your first stake in your new home. Whether you have a lot or a little to put down, we can help you get into the right mortgage based on your down payment.

Work History

A steady work history tells us how well you’ll be able to meet your mortgage. Whether you work for a company or are self-employed, we can help you get the perfect mortgage loan for your situation.

Debt vs. Income

This evaluation helps us determine how much mortgage you can afford. We don’t want you stressed and unable to make your payments once you’ve found the perfect home. Our Debt-to-Income evaluation will help us see if buying a home right now is right for you.

WHY CHOOSE LOANS BY HOLLY?

Experience is key to a smooth home closing, Holly Sanders has 21 years in the mortgage industry as a loan officer and branch manager.

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PROVEN SUCCESS

Holly has worked with Geneva Financial since 2011. At Geneva Financial, Holly was a TOP PRODUCER in 2015, 2016 and 2017 she plans on achieving that goal for 2018 as well!

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EXPERT TO WALK YOU THROUGH LOAN OPTIONS

Holly specializes in home loan purchases and refinance loans with expert knowledge of all loan programs offered.

The better your score, the more likely you are to get a great interest rate. But even if you don't have perfect credit, contact me. I have home loan options for everyone, and can provide credit bureau approved methods to improve credit scores so you can get a better loan rate in the future.

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OFFERS ALL LOAN TYPES

Holly works in Arizona and California. She works with all loan types including Conventional, FHA, USDA, VA, Portfolio, Non QM, Jumbo and Hard Money loans.

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SERVICE IS EVERYTHING

Holly truly understands the importance of providing the highest level of service to her clients. She will go the extra mile to make sure her clients get into their new home!

LET ME HELP YOU GET THE RIGHT LOAN

RIGHTNOW

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OUR HAPPY HOMEOWNERS

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John Tomshack

Working with Holly on our home loan was great. She is very friendly and goes above and beyond what most lenders do. She stood by us through everything and was able to get us our home. She will work for your loan day, night and weekends and answer any questions you have.