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Sue Lechman, Arizona Home Loans - 480-797-6000 (Amerifirst Financial, Scottsdale, AZ Home Loans) Mortgage and Lending

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Sue Lechman
Arizona Home Loans - 480-797-6000
location_on Scottsdale, AZ — Amerifirst Financial, Scottsdale, AZ Home Loans
Get to Know Sue Lechman

 

The Sue Lechman Team is dedicated to helping you review your mortgage options at the initial phone call, whether it be FHA mortgage loans, VA mortgage loans, USDA loans or a Conventional mortgage loan you are inquiring about.  It is important to Sue and her team that your questions are answered up front and it is determined whether an FHA loan, VA loan, USDA loan or Conventional loan is the right fit for your financial strategy. 

Sue Lechman's Team specializes in financing home loans in the state of Arizona.  So whether you are looking to purchase in Scottsdale, AZ,  Chandler, AZ, Gilbert, AZ, Mesa, AZ, Tempe, AZ, Cave Creek, AZ or the Phoenix, AZ area they are ready to help.

Sue has been originating FHA, VA, USDA and Conventional mortgage loans in Arizona for over 10 years.  She graduated from Arizona State University, Summa Cum Laude, in 1997 with a teaching degree and uses these skills to educate her clients on the difference between the loan programs.  After talking with Sue you would not only walk away with an understanding of how FHA mortgage loans, VA mortgage loans, USDA mortgage loans and Conventional mortgage loans work, but also a better understanding of the loan process in general.  Her team understands the importance of communication and promises to update you and the Real Estate agents involved at every important step of the way.

The Sue Lechman Team joined AMERIFIRST FINANCIAL, located in Scottsdale, AZ, because AMERIFIRST FINANCIAL is a mortgage banker that underwrites FHA loans, VA loans, USDA loans and Conventional loans in house.  That means that all the members of her team: her Licensed Loan Coordinator, Processor, Underwriter, Doc Drawer or Funder work out of the Scottsdale, AZ location.  The file never leaves the office.  This allows her to easily close loans in less than 30 days.  Being a mortgage banker also allows her team to shop (through a pricing engine) the bigger banks (such as Wells Fargo, Chase, GMAC, etc) on your behalf so you know you are getting the best rate and don't have to take the time to do it yourself. 

Whether you are looking to purchase in Scottsdale, AZ, use 100% USDA loan financing in Queen Creek, AZ, refinance in Mesa, AZ or have a mortgage question in general, please don't hesitate to call or e-mail the Sue Lechman Team.  We welcome your call anytime!  

"If you feel like you are my #1 client - I have accomplished my goal!" - Sue

 

 

Arizona Mortgage Information:

 
FHA mortgage loans: The FHA mortgage loan limit in Maricopa County, Arizona is currently $346,250.  FHA loans are great for first time home buyers and repeat buyers alike because they only require a down payment of 3.5% which can be from their own funds or gifted.  Additionally the seller can pay for up to 6% of the purchase price applied towards closing costs and pre-paids.  With the exception of a VA mortgage loan or USDA mortgage loan this is the closest loan program to zero down payment that is currently offered. More information on FHA mortgage loans.
VA mortgage loans:  The VA mortgage loan is truly a zero down payment loan.  The maximum loan limit in Maricopa County is $417,000 (VA does offer jumbo loans but they are not available in Maricopa County, AZ).  Those who qualify for a VA loan can not only take advantage of no money down they also do not have a monthly mortgage insurance premium that FHA loans require.  Just like FHA mortgage loans the seller can also contribute towards closing costs and pre-paids. 

USDA mortgage loans: A USDA mortgage loan is a Government insured 100% loan.  If looking to purchase in Maricopa County or Pinal county these are only offered in certain "eligible" areas and income cannot exceed 115% of the published Guaranteed Rural Housing limits.  Some homes in the following cities may qualify: Buckeye, AZ, Anthem, AZ, Queen Creek, AZ and Casa Grande, AZ. More information on 100% USDA loans.

Conventional mortgage loans:  Conventional mortgage loans require a minimum down payment due to restrictions by mortgage insurance companies:

Primary purchase Conventional loan: requires at least 5% and must be from borrower's own funds Second Home purchase Conventional loan: requires at least 10% down payment Investment Home purchase Conventional loan: requires at least 20% down payment (rates much better with 25% down) More information on Conventional mortgage loans.Please note that Maricopa County includes: Avondale, AZ Buckeye, AZ Carefree, AZ Cave Creek, AZ Chandler, AZ El Mirage, AZ Fountain Hills, AZ Gilbert, AZ Glendale, AZ Goodyear, AZ Litchfield Park, AZ Mesa, AZ Paradise Valley, AZ Peoria, AZ Phoenix, AZ Scottsdale, AZ Surprise, AZ Tempe, AZ Tolleson, AZ

Scottsdale FHA Loan                          Scottsdale Conventional Loan
Mesa FHA Loan                                    Mesa Conventional Loan
Chandler FHA Loan                             Chandler Conventional Loan
Phoenix FHA Loan                              Phoenix Conventional LoanGilbert FHA Loan                                  Gilbert Conventional Loan
Tempe FHA Loan                                  Tempe Conventional Loan

Buckeye USDA Loan
Anthem USDA LoanQueen Creek USDA LoanCasa Grande USDA Loan

Certifications

Client TestimonialsI just wanted to thank you for all of your help with getting into our new house. We are so excited about it and we are having so much fun! This is our first house and the experience was great! We always knew what was going on with our loan and always had a friendly person to call. Our real estate agent even commented to us how good you were to work with because she always knew what was going on instead of being left in the dark. If we had any questions, you were always so good about giving me the answer as quickly as possible, making it a smooth process. Thank you again. Sincerely, Andrew & Chelsea C (Avondale, AZ)

Sue - thank you for all you have done for my family and our financing - I appreciate you!!! - Roseanna and Chuck S (Litchfield Park, AZ)

You were great to work with and really made our purchase bearable.  We would not have been able to weather the financial/legal issues without you.  You are someone I would highly recommend to others purchasing a home in the Phoenix are.  You could use either Matt or myself as a reference.  I really doubt you need it - I bet you are swamped because of how good you are.  Thank you again from both of us!  Lowell and Matt H (Glendale, AZ)

Thank you once again for all the time and effort you put into helping us clean up our credit so we could qualify for this home.  We talked to 2 other lenders that mislead us and were ready to call it quits until we found you.  Now our family is officially a homeowner and we have you to thank for it!  Words really can't thank you enough - you put a smile on our 3 yr old daughter's face when she put her head down on her pillow in her own room!   You are the best! - Tracey and Tim B (Mesa, AZ)

It is so exciting to think of how close we are to owning our own home.  I just want to thank you again for all or your time and caring that you put into helping us out.  You are special! - Erin and Craig L (Tempe, AZ)

I know that we haven't been your easiest clients to work with; however you always made us feel like we were your only client and had all the time in the world to work with us and answer ALL of our questions.  Thank you for this.  We walked away from this home buying experience feeling like we knew what was going to happen each step of the way.  I would recommend your services to anyone who is looking for a lender who truly cares about her clients. Sincerely, Paula and Steve R (Scottsdale, AZ)

You have renewed my belief that customer service still does exist.  It has been such a pleasant experience working with someone who is so concerned with the client's interests.  Thank you for going above and beyond! - Mark T (Phoenix, AZ)

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Sue Lechman has been successfullly helping clients obtain home financing for 11 years.